Financial Services · Lending

Credit Line Increase Request Handling

Process credit line increase requests through the correct workflow without the agent making a credit decision.

Apps this needs

Core / Policy System Lending, policy or subscription system for renewals & balances. Connect during setup
SIP Trunk Route inbound & outbound calls through your phone system. Connect during setup

How it works

  1. Captures the request and confirms account standing (no missed payments) via the core banking system as a basic pre-check.
  2. Routes the request to the automated credit decisioning system or underwriter per the institution's process — never approved/denied by the agent.
  3. Communicates the decision once rendered, including any required adverse action notice if declined.
  4. Confirms updated terms if approved, written to the core banking system.

Data sources

Core banking account status Credit decisioning system output

What it targets

  • Requests routed and processed within SLA Target 90%
  • Decisions communicated within 24 hours of being rendered Target 95%