Asset finance decisioning Health Check

Where is your decisioning holding you back ?

Modern asset finance decisioning is about more than making decisions faster. It's about connecting the right information, making better use of underwriting expertise, responding to change and maintaining confidence in every outcome.

Take our five-minute Health Check to reflect on your current approach, identify where opportunities may exist and unlock practical guidance on what better decisioning could look like.

Ten questions. Five characteristics. One opportunity to move forward.

Q1. When an underwriter begins assessing an application, how easily can they access the information needed to make a decision?

A — Foundation
Information is gathered from multiple systems, sources or documents, with significant manual effort. B — Progressing
Some information is brought together automatically, but underwriters still need to retrieve or reconcile data manually. C — Advanced
Relevant information is brought together through connected processes, giving underwriters a clear, accessible view of the application.

Q2. How confident are you that every lending decision follows your current credit policy, including decisions made manually or referred to an underwriter?

A — Foundation
Applying credit policy relies heavily on individual underwriters, manual checks and interpretation, making consistency difficult to verify.
B — Progressing
Some policy rules are built into decisioning processes, but manual and referred cases still require additional checks to ensure consistent application. C — Advanced
Current credit policy is embedded across decisioning workflows, with consistent controls for automated and underwriter-led decisions and a defined process for managing exceptions.

Q3. What typically happens to a straightforward lower value application that doesn't require specialist underwriting judgement?

A — Foundation
Most applications follow a largely manual process, regardless of their complexity.
B — Progressing
Some routine checks or stages are automated, but straightforward applications still require regular manual handling.
C — Advanced
Appropriate straightforward applications progress through automated checks and decision pathways, allowing underwriters to focus on cases requiring their expertise.

Q4. As application volumes increase, are underwriters able to focus on where they add value?

A — Foundation
Underwriters spend considerable time on routine checks, information gathering and administrative tasks. B — Progressing
Existing processes absorb some additional volume, but capacity constraints become more apparent as demand grows. C — Advanced
Automation and efficient workflows help the business handle higher volumes without a proportionate increase in manual underwriting activity.

Q5. If your credit policy needed to change tomorrow, how easily could that change be implemented in live decisioning?

A — Foundation
Changes typically require technical development, manual workarounds or lengthy implementation processes.
B — Progressing
Some policy changes can be made relatively quickly, but others depend on technical resources or external support.
C — Advanced
Authorised teams can configure, test and implement policy changes efficiently, with appropriate approval and governance.

Q6. How easily can your decisioning approach accommodate a new data source, lending product or business requirement?

A — Foundation
Changes often involve substantial system modifications, integration work or disruption to established processes.
B — Progressing
The business can accommodate new requirements, but implementation often involves multiple teams, dependencies or workarounds.
C — Advanced
Flexible integrations and configurable decisioning processes allow new requirements to be introduced in a structured, manageable way.

Q7. How effectively does automation support your underwriting team's expertise?

A — Foundation
Underwriters spend considerable time on routine checks, information gathering and administrative tasks. B — Progressing
Automation supports parts of the process, but underwriters still undertake routine activities that could potentially be streamlined.
C — Advanced
Automation handles appropriate routine activity, while underwriters concentrate on exceptions, complex cases and decisions requiring experience and judgement.

Q8. How effectively does insight from previous lending decisions inform improvements to your decisioning approach?

A — Foundation
Opportunities for improvement are identified largely through manual reviews, individual experience or when problems arise.
B — Progressing
Decisioning performance is reviewed periodically, but translating findings into consistent process or policy improvements can be difficult.
C — Advanced
Decisioning performance and outcomes are regularly analysed, with insights used to inform, test and refine policies and processes.

Q9. As more of your decisioning process becomes automated, how is control maintained?

A — Foundation
Control depends heavily on manual oversight, individual checks and experience of underwriter teams. B — Progressing
Documented policies and automated controls exist, but consistency and visibility can vary across processes.
C — Advanced
Defined policies, governed workflows, appropriate human oversight and clear decision records provide consistent control across automated and manual activity.

Q10. If you were asked why a particular lending decision was made six months ago, how easily could you demonstrate it?

A — Foundation
Reconstructing the decision would involve searching across systems, records or individual communications.
B — Progressing
Key information is recorded, but establishing the complete rationale, data and policy applied may require additional investigation.
C — Advanced
A clear, accessible audit trail shows the information, policy, automated steps and human judgement involved in reaching the decision.

Connected

Bringing the right information together

A clearer view of every lending decision

Discover how more connected decisioning can reduce manual information gathering, improve application visibility and support more informed lending decisions.

Unlock my Connected guide

Fast

Creating capacity without unnecessary delays

Creating capacity without compromising credit quality

Explore practical ways to streamline routine activity, reduce delays and create more capacity without losing the value of underwriting judgement.

Unlock my Fast guide

Adaptable

Responding to change without unnecessary disruption.

Making change easier in credit decisioning

Explore how greater flexibility can help you implement policy changes, respond to new requirements and maintain appropriate governance.

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Intelligent

Making better use of data and underwriting expertise

Making more of your underwriting expertise

Discover how automation and decisioning insight can reduce administrative work, support underwriters and inform continuous improvement.

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Controlled

Maintaining confidence, consistency and oversight

Greater confidence in every decision

Explore how to strengthen governance, improve auditability and maintain visibility and control across your decisioning processes.

Unlock my Controlled guide

Asset finance decisioning Health Check

Where is your decisioning holding you back ?

How it works

Answer

Reflect

Unlock

Characteristic One: Connected

Q1. When an underwriter begins assessing an application, how easily can they access the information needed to make a decision?

Q2. How confident are you that every lending decision follows your current credit policy, including decisions made manually or referred to an underwriter?

Characteristic Two:
Fast

Q3. What typically happens to a straightforward lower value application that doesn't require specialist underwriting judgement?

Characteristic Three: Adaptable

Q5. If your credit policy needed to change tomorrow, how easily could that change be implemented in live decisioning?

Q6. How easily can your decisioning approach accommodate a new data source, lending product or business requirement?

Characteristic Four:
Intelligent

Q7. How effectively does automation support your underwriting team's expertise?

Q8. How effectively does insight from previous lending decisions inform improvements to your decisioning approach?

Characteristic Five: Controlled

Q9. As more of your decisioning process becomes automated, how is control maintained?

Q10. If you were asked why a particular lending decision was made six months ago, how easily could you demonstrate it?

You've completed your Health Check.
What's next?

Download the guide most relevant for you

Connected

A clearer view of every lending decision

Fast

Creating capacity without compromising credit quality

Adaptable

Making change easier in credit decisioning

Intelligent

Making more of your underwriting expertise

Controlled

Greater confidence in every decision

Let's explore what's next

Asset finance decisioning Health Check

Where is your decisioning holding you back ?

How it works

Answer

Reflect

Unlock

Characteristic One: Connected

Q1. When an underwriter begins assessing an application, how easily can they access the information needed to make a decision?

Q2. How confident are you that every lending decision follows your current credit policy, including decisions made manually or referred to an underwriter?

Characteristic Two: Fast

Q3. What typically happens to a straightforward lower value application that doesn't require specialist underwriting judgement?

Characteristic Three: Adaptable

Q5. If your credit policy needed to change tomorrow, how easily could that change be implemented in live decisioning?

Q6. How easily can your decisioning approach accommodate a new data source, lending product or business requirement?

Characteristic Four:Intelligent

Q7. How effectively does automation support your underwriting team's expertise?

Q8. How effectively does insight from previous lending decisions inform improvements to your decisioning approach?

Characteristic Five: Controlled

Q9. As more of your decisioning process becomes automated, how is control maintained?

Q10. If you were asked why a particular lending decision was made six months ago, how easily could you demonstrate it?

You've completed your Health Check. What's next?

Download the guide most relevant for you

Connected

A clearer view of every lending decision

Fast

Creating capacity without compromising credit quality

Adaptable

Making change easier in credit decisioning

Intelligent

Making more of your underwriting expertise

Controlled

Greater confidence in every decision

Let's explore what's next

Characteristic Two:
Fast

Characteristic Four:
Intelligent

You've completed your Health Check.
What's next?