Northwind Capital · ApplicationsDemo build · invented organisation · no client data appears
Officer queue
8 in flight · 2 decided · 2 beyond the 5-day service level
AllExceptionsDays ↓
APP-202649 days
Credit exception review · J. Rivas · 12 Mar
APP-202686 days
Credit assessment · S. Wei · 13 Mar
APP-202624 days
Officer review · S. Wei · 11 Mar
APP-202593 days
Credit assessment · M. Tan · 10 Mar
APP-202712 days
Document verification · M. Tan · 14 Mar
APP-202742 days
Document verification · S. Wei · 14 Mar
APP-202791 day
Client registration · J. Rivas · 15 Mar
APP-202811 day
Client registration · M. Tan · 15 Mar
APP-20255Approved
Decision recorded · M. Tan · 9 Mar
APP-20241Declined
Decision recorded · J. Rivas · 6 Mar
Selected · exception raised
APP-20264
Submitted 12 March 2026 · 9 days in current stage
Exception raised. Applicant income falls outside the standard band. The required sequence permits an officer decision here, provided a justification is recorded against it.
Required sequence
✓Client registration · 12 Mar · J. Rivas
✓Document verification · 13 Mar · M. Tan
✓Credit assessment · 14 Mar · S. Wei
→Credit exception review · open · J. Rivas
·Decision record · not yet created
Decision record
Nothing recorded yet. On submission this captures what was decided, by whom, and when, together with the justification required for an exception. The record cannot be edited afterwards; a correction is a new entry against the same application.
Record decisionReturn to assessment