Software Design

Loan Origination: Automation vs Underwriter Overrides

Use Case Diagrams · made in Skemio

Use case diagram for Loan Origination showing Borrower and Underwriter interacting with loan submission, automated scoring, and manual override procedures.
Use case diagram for Loan Origination showing Borrower and Underwriter interacting with loan submission, automated scoring, and manual override procedures.
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What it shows

  • Automate instant approvals for high-confidence tier-1 credit profiles.
  • Marginal credit scores route directly to human underwriting queues.
  • Every manual policy override mandates an immutable audit log entry.

The takeaway

Automate the high-confidence extremes; route the ambiguous middle to human underwriters.

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