Pan Asia Bank’s credit approval process was manual, slow, and error-prone. There was no central system to manage loan workflows or enforce Delegated Authority (DA) rules. Staff handled documents manually, approvals took longer than they should, and delays hurt customer experience.
This wasn’t just about efficiency. Without change, paper-heavy operations would keep dragging down response times and increasing risk.
Manual systems meant missed opportunities, inconsistent decisions, and rising costs. Customers had to wait. Staff had to chase paperwork. Management couldn’t see what was happening in real time.
Without a fix, the bank risked operational slowdowns, audit issues, and growing customer dissatisfaction.
We worked directly with the bank’s IT and business teams to build a system that digitized credit approvals without complicating them. It covered every key step—data entry, document management, approval routing, and disbursement.
Core Features
- Customer & Document Handling
Centralized storage tied to loan records. - Loan Paper Creation
Initiated by NIC/CIF with built-in checks. - Dynamic Forms
Adjusted based on facility type, with fewer fields and less confusion. - DA-Level Approval Flows
Routed automatically to the right authorizer based on loan size. - Disbursement Controls
Structured steps with support for backdated releases and remarks. - User Roles with Permissions
Clear separation between administrators, data entry personnel, and approvers.
Tech Stack
- Web App: Chrome-compatible
- Backend: SQL Server
- Hosting: Windows Server + IIS
Tech Stack
- Web App: Chrome-compatible
- Backend: SQL Server
- Hosting: Windows Server + IIS
Rollout
- Phase 1: UAT with business users
- Phase 2: Pilot in selected branches
- Phase 3: Full rollout
The build stayed on schedule. No major blockers, no last-minute workarounds. Business users helped shape the design early, so adoption went smoothly.
The system was rolled out without delays, and it immediately made our credit approval process faster, cleaner, and more transparent. Teams adapted quickly because it was built with their real workflows in mind not forced on them.
[Name], [Title], Pan Asia Bank (pending approval)
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- Faster Approvals
Loan processing time dropped from [X days] to [Y days], reducing customer wait times. - Less Manual Work
Paper-based steps were cut by [X]%, freeing up staff hours for higher-value tasks. - Fewer Errors
Approval routing now follows DA rules automatically, reducing decision errors by [X]%. - Better Oversight
Real-time tracking gives management visibility across all branches. - Higher Staff Confidence
Structured workflows and clearer roles led to a [X]% adoption rate in the first rollout phase.
Pan Asia Bank now has a clean digital base to expand credit operations. The same structure can support SME loans, overdrafts, or even risk evaluations without rewriting core components.
The system is built to grow, without getting in the way.
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