Submit for a decision¶
Once you have created the proposal you can submit it for a credit decision. For this to happen all the pre-conditions have to be fulfilled.
Decision pre-check (optional)¶
This allows you to check that all pre-conditions have been fulfilled and that you are able to submit for a credit decision.
If allowed, you will see 'requestAllowed: true'. If not the response will highlight what is wrong.
{
"requestAllowed": true,
"cancelAllowed": true,
"preconditionViolations": [
{
"code": "string",
"userMessage": "string"
}
]
}
If the requestAllowed is false, please check your proposal creation set up, or correct the violations and try again.
Submit for decision¶
If you have had a positive result to the pre-check response (optional) above, or are confident that what you have created is correct, you may submit it for a credit decision.
{
"commentToRiskAnalyst": "string",
"siemensMayContactCustomer": true,
"siemensMayRequestCreditData": true,
"prelease": true
}
Name | Type | Required | Description |
---|---|---|---|
commentToRiskAnalyst | string | false | Optional comment to the underwriter |
siemensMayContactCustomer | boolean | false | TODO |
siemensMayRequestCreditData | boolean | false | TODO |
prelease | boolean | false | TODO |
A successful response will include the entire proposal object, including a decision object:
{
"decision": {
"decisionStatus": "NOT_AVAILABLE",
"decisionRequestedDate": "2023-06-15T10:14:03.968Z",
"decisionDate": "2023-06-15T10:14:03.968Z",
"decisionValidUntilDate": "2023-06-15T10:14:03.968Z",
"comment": "string",
"condition": "string",
"reason": "string",
"commentToRiskAnalyst": "string",
"siemensMayContactCustomer": true
}
}
Decision statuses¶
The credit decision status can be one of the following:
Label | Description |
---|---|
NOT_AVAILABLE | |
PENDING | The proposal has been sent for manual underwriting |
ACCEPTED | The proposal has been accepted |
DECLINED | The proposal has been declined |
MORE_INFORMATION_REQUIRED | More information is needed to progress |
CANCELED | |
UNKNOWN | |
AMEND | |
ACCEPTED_WITH_CONDITIONS | |
EXPIRED |
Hint
The credit decision status is not the same as the proposal status.
Community
Connect and Collaborate with Industrial Professionals and Join the Community!