Meridian Bank

Retail Lending — Digital Origination

Application LOAN-2026-00123   APPROVED

John Smith · customer CUST-10245 · submitted 2026-08-25T09:06:09+00:00 · demonstration path A (Straight-through approval)

$25,000 Requested 60 Months 4 Documents in 0 Outstanding

Assessment

Generated by the workflow. Advisory only — a lending decision remains with authorised credit staff.

96% AI confidence LOW Risk level 782 Bureau score 25.5% Debt to income

John Smith has requested 25,000 over 60 months against a declared monthly income of 12,500. The bureau reports a score of 782 (EXCELLENT), with 1 active facility(ies) and existing obligations of 2,650 a month. Debt-to-income after the proposed EMI of 540 stands at 25.5%. Income evidence agrees with the application within tolerance. Recommendation is advisory and subject to final policy checks; it is not an autonomous lending decision.

Your offer

Approved amount
$25,000
Interest rate
10.75% per annum
Tenure
60 months
Monthly instalment
$540
Processing fee
$125
Total repayable
$32,400

Documents

What we need, and what we have verified so far.

PAN card — pan-card.pdf
via portal · verifiedverified
Latest salary slip — salary-slip-july-2026.pdf
via portal · verifiedverified
Last 6 months bank statement — bank-statement-feb-jul-2026.pdf
via portal · verifiedverified
Address proof — address-proof-electricity-bill.pdf
via portal · verifiedverified

Submit documents

Upload through the portal, or send them to us by email — either channel feeds the same workflow.

Email lands in the bank's Outlook mailbox and is picked up by the ingestion workflow, which has to work out which application it belongs to.

Generated documents

sanction-letter-LOAN-2026-00123.pdf
Sanction Letter · 4,908 bytes · sha256 a5960cc9f88cd843…generated

Messages from Meridian Bank

Your loan application has been approved
to john.smith@example.com · 2026-08-25T09:06:21+00:00
Good news - your loan application has been approved. Your sanction letter is attached and sets out the approved amount, the interest rate, the tenure and your monthly instalment.
SMS to (415) 555-0123
Your Meridian Bank loan application has been approved. Please check your email for the sanction letter.

Progress

Every step, as it happened.

  • 2026-08-25T09:06:21+00:00
    Issuance Complete
    workflow · confidence 96
    sanction-letter-LOAN-2026-00123.pdf
  • 2026-08-25T09:06:21+00:00
    Crm Status Updated
    workflow · CRM
    Sanctioned by the origination workflow
  • 2026-08-25T09:06:21+00:00
    Customer Notified
    workflow · Microsoft 365
    Your loan application has been approved via email, sms, teams
  • 2026-08-25T09:06:20+00:00
    Sanction Letter Generated
    workflow · Document generation + Azure Blob Storage
    sanction-letter-LOAN-2026-00123.pdf (4,908 bytes) -> loan-applications/LOAN-2026-00123/generated-documents/sanction-letter-LOAN-2026-00123.pdf
  • 2026-08-25T09:06:20+00:00
    Offer Calculated
    workflow · LOS
    25,000 at 10.75% over 60 months, EMI 540
  • 2026-08-25T09:06:20+00:00
    Decision Approved
    Automated credit engine · LOS · confidence 96
    AI-assisted straight-through
  • 2026-08-25T09:06:20+00:00
    Ai Assessment Generated
    workflow · Azure OpenAI · confidence 96
    APPROVE at 96% (risk LOW)
  • 2026-08-25T09:06:20+00:00
    Credit Bureau Pulled
    workflow · Credit bureau
  • 2026-08-25T09:06:20+00:00
    Decisioning Requested
    workflow · Mantle
    loan-decision -> HTTP 202
  • 2026-08-25T09:06:19+00:00
    Ai Missing Information Assessed
    workflow · Azure OpenAI
    Proceed to credit assessment
  • 2026-08-25T09:06:19+00:00
    Document Analysed
    workflow · Azure AI Document Intelligence · confidence 0.94
    address-proof-electricity-bill.pdf classified as ADDRESS_PROOF
  • 2026-08-25T09:06:18+00:00
    Document Analysed
    workflow · Azure AI Document Intelligence · confidence 0.96
    bank-statement-feb-jul-2026.pdf classified as BANK_STATEMENT
  • 2026-08-25T09:06:18+00:00
    Document Analysed
    workflow · Azure AI Document Intelligence · confidence 0.98
    salary-slip-july-2026.pdf classified as SALARY_SLIP
  • 2026-08-25T09:06:17+00:00
    Document Analysed
    workflow · Azure AI Document Intelligence · confidence 0.99
    pan-card.pdf classified as PAN
  • 2026-08-25T09:06:12+00:00
    Workflow Triggered
    portal · Mantle
    loan-events -> HTTP 202
  • 2026-08-25T09:06:12+00:00
    Documents Uploaded
    customer · Digital portal
    4 document(s) via portal: PAN, SALARY_SLIP, BANK_STATEMENT, ADDRESS_PROOF
  • 2026-08-25T09:06:10+00:00
    Workflow Triggered
    portal · Mantle
    loan-events -> HTTP 202
  • 2026-08-25T09:06:09+00:00
    Application Submitted
    customer · Digital portal
    PERSONAL_LOAN for 25000