Approvals & Workflows
The Approvals screen (`approvals.php`) centralises all workflow items that require human approval: loan origination overrides, servicing requests (deferments, waivers, refunds, reschedules) and operational exceptions.
User Stories
- As a credit officer, I want to see all pending loan and limit approvals assigned to me, so that I can process them in priority order.
- As an operations supervisor, I want to approve or reject servicing requests (deferment, waiver, refund, cancellation), so that only policy-compliant actions are executed on accounts.
Typical Use-Cases
- Approving a deferment requested from Loan Inquiry > Requests modal.
- Approving a waiver created from the Waiver processing screen.
- Approving a refund raised by back-office after reconciliation.
- Handling exceptional write-off or reschedule decisions with multi-level approval.
Non-Functional Aspects
- Strict audit logging of each decision, with before/after state and comments.
- Configurable SLAs and queues (e.g., per product, branch or approval amount).
- Role-based visibility; approvers only see items within their mandate.