Compliance
Affordability assessment, CRB checks, recovery notices, and the complaints register.
Running an affordability assessment
Income/expense inputs, how the result gates loan approval.
Understanding CRB (credit reference bureau) checks
When a CRB pull is required, how results feed the approval decision.
Recovery notices explained
Why a recovery notice must be served before any repossession action, and the notice's minimum content/timing.
Logging and tracking a borrower complaint
⏱ 18h left (example)The complaints register, BOT prior-notice and extension clocks, and resolution statuses.
What happens when a complaint's BOT clock is about to expire
⏱ 2h left (example)Escalation behavior and who gets alerted.
Re-running an affordability check after a loan top-up request
Affordability checks re-run whenever the requested amount changes.
Related categories
Loan applications, the approval ladder, disbursement, repayment, restructuring, and write-offs.
Sanctions/PEP screening, alert resolution, and Suspicious Transaction Report (STR) filing.
Collateral register, revaluation, guarantors, repossession, and credit-life/asset insurance.
Frequently asked questions
What is an affordability assessment?
An income/expense-based check that determines whether a borrower can service a proposed loan, gating approval.
Is a CRB check mandatory for every loan?
Policy-configurable per product, but strongly recommended and often required for larger loans.
Can a lender repossess collateral without notice?
No — a recovery notice must be served first; see Collateral & Insurance.
How are borrower complaints tracked?
In a complaints register with BOT-aligned prior-notice and extension clocks so nothing quietly expires.
What happens if a complaint isn't resolved in time?
The system surfaces an escalation alert before the response clock lapses.