Credit Assessment Manager

Credit Assessment Management System for Streamlined CAD Oversight

Client

Commercial Bank - Risk Operations

Business Problem

The bank managed credit authorisation limits (CADs) for commercial lending managers through fragmented email threads and manually maintained spreadsheets.

This approach lacked centralised visibility, auditability, and real-time accuracy.

As teams exchanged hundreds of emails to request, approve, or amend CADs, operational risk increased due to version mismatches, unauthorised updates, and missed approvals. The absence of workflow controls and reporting structure significantly slowed decision-making and regulatory responsiveness.

Solution Delivered

We delivered a centralised credit assessment management solution using a hybrid Excel–Access architecture. The system replaced scattered email chains with a structured, role-based application that tracks, updates, and reports on CADs with full, real-time visibility, oversight and auditability. 

Key features included:

  • Controlled data entry and update workflows, ensuring only authorised personnel can edit relevant records
  • Real-time visibility into manager-level CADs, approval history, and change logs
  • One-click export to Excel for analytics and MS Word for formal reporting, facilitating faster internal and regulatory submissions
  • Embedded validation to ensure no changes exceed predefined authority thresholds without secondary approval

Results

  • Replaced hundreds of monthly emails with a centralised workflow and single source of truth
  • Reduced CAD update turnaround time from days to minutes
  • Improved internal control by enforcing role-specific access and edit rights
  • Enabled instant audit trail review for all CAD modifications and approvals
  • Streamlined reporting into standardised Word templates, reducing compliance prep time by over 70%

Technology

Excel | VBA | MS Access | Word | Outlook

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