Lending case with affordability and collateral review

Model independent affordability and collateral checks before a documented credit decision; scoring and thresholds must be replaced with approved policy. Editable collaboration with role lanes, decisions and independent parallel checks. Illustrative policy and timing; adapt to local requirements.
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<?xml version="1.0" encoding="UTF-8"?>
<bpmn:definitions xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:di="http://www.omg.org/spec/DD/20100524/DI" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" id="loan_fair_review_definitions" targetNamespace="urn:flowss:advanced">
  <bpmn:message id="loan_fair_review_message" name="Application complete"/>
  
  <bpmn:process id="loan_fair_review_process" name="Lending case with affordability and collateral review" isExecutable="false">
    <bpmn:documentation>Model independent affordability and collateral checks before a documented credit decision; scoring and thresholds must be replaced with approved policy. Inputs: Application complete. All policy choices, durations and conditions are illustrative. Replace example rules with approved local policy; configure integrations and review before execution. This non-executable template does not assert legal compliance or a real completed case.</bpmn:documentation>
    <bpmn:laneSet id="loan_fair_review_lanes"><bpmn:lane id="loan_fair_review_lane_0" name="Case officer"><bpmn:flowNodeRef>loan_fair_review_start</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_intake_1</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_intake_2</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_split</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_check_0_1</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_join</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_decision</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_success_1</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_success_rest_1</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_complete</bpmn:flowNodeRef></bpmn:lane><bpmn:lane id="loan_fair_review_lane_1" name="Affordability reviewer"><bpmn:flowNodeRef>loan_fair_review_check_1_1</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_check_1_2</bpmn:flowNodeRef></bpmn:lane><bpmn:lane id="loan_fair_review_lane_2" name="Collateral specialist"><bpmn:flowNodeRef>loan_fair_review_check_2_1</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_check_2_2</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_exception_1</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_exception_rest_1</bpmn:flowNodeRef><bpmn:flowNodeRef>loan_fair_review_alternate</bpmn:flowNodeRef></bpmn:lane></bpmn:laneSet>
    <bpmn:startEvent id="loan_fair_review_start" name="Application complete"><bpmn:messageEventDefinition id="loan_fair_review_start_def" messageRef="loan_fair_review_message"/></bpmn:startEvent>
    <bpmn:userTask id="loan_fair_review_intake_1" name="Register consent and purpose"></bpmn:userTask>
    <bpmn:userTask id="loan_fair_review_intake_2" name="Validate required documents"></bpmn:userTask>
    <bpmn:parallelGateway id="loan_fair_review_split"></bpmn:parallelGateway>
    <bpmn:userTask id="loan_fair_review_check_0_1" name="Check application consistency"></bpmn:userTask>
    <bpmn:userTask id="loan_fair_review_check_1_1" name="Assess affordability"></bpmn:userTask>
    <bpmn:userTask id="loan_fair_review_check_1_2" name="Review repayment stress"></bpmn:userTask>
    <bpmn:userTask id="loan_fair_review_check_2_1" name="Verify collateral evidence"></bpmn:userTask>
    <bpmn:userTask id="loan_fair_review_check_2_2" name="Review valuation uncertainty"></bpmn:userTask>
    <bpmn:parallelGateway id="loan_fair_review_join"></bpmn:parallelGateway>
    <bpmn:exclusiveGateway id="loan_fair_review_decision" name="Credit criteria met?" default="loan_fair_review_flow_14"></bpmn:exclusiveGateway>
    <bpmn:userTask id="loan_fair_review_success_1" name="Prepare conditional offer"></bpmn:userTask>
    <bpmn:userTask id="loan_fair_review_exception_1" name="Record decline reasons"></bpmn:userTask>
    <bpmn:userTask id="loan_fair_review_success_rest_1" name="Record decision rationale"></bpmn:userTask>
    <bpmn:userTask id="loan_fair_review_exception_rest_1" name="Provide review channel"></bpmn:userTask>
    <bpmn:endEvent id="loan_fair_review_complete" name="Conditional offer issued"></bpmn:endEvent>
    <bpmn:endEvent id="loan_fair_review_alternate" name="Application declined"></bpmn:endEvent>
    <bpmn:sequenceFlow id="loan_fair_review_flow_1" sourceRef="loan_fair_review_start" targetRef="loan_fair_review_intake_1"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_2" sourceRef="loan_fair_review_intake_1" targetRef="loan_fair_review_intake_2"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_3" sourceRef="loan_fair_review_intake_2" targetRef="loan_fair_review_split"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_4" sourceRef="loan_fair_review_split" targetRef="loan_fair_review_check_0_1"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_5" sourceRef="loan_fair_review_split" targetRef="loan_fair_review_check_1_1"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_6" sourceRef="loan_fair_review_check_1_1" targetRef="loan_fair_review_check_1_2"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_7" sourceRef="loan_fair_review_split" targetRef="loan_fair_review_check_2_1"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_8" sourceRef="loan_fair_review_check_2_1" targetRef="loan_fair_review_check_2_2"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_9" sourceRef="loan_fair_review_check_0_1" targetRef="loan_fair_review_join"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_10" sourceRef="loan_fair_review_check_1_2" targetRef="loan_fair_review_join"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_11" sourceRef="loan_fair_review_check_2_2" targetRef="loan_fair_review_join"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_12" sourceRef="loan_fair_review_join" targetRef="loan_fair_review_decision"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_13" sourceRef="loan_fair_review_decision" targetRef="loan_fair_review_success_1" name="Yes"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=creditApproved = true</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_14" sourceRef="loan_fair_review_decision" targetRef="loan_fair_review_exception_1" name="Otherwise"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_15" sourceRef="loan_fair_review_success_1" targetRef="loan_fair_review_success_rest_1"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_16" sourceRef="loan_fair_review_exception_1" targetRef="loan_fair_review_exception_rest_1"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_17" sourceRef="loan_fair_review_success_rest_1" targetRef="loan_fair_review_complete"></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="loan_fair_review_flow_18" sourceRef="loan_fair_review_exception_rest_1" targetRef="loan_fair_review_alternate"></bpmn:sequenceFlow>
  </bpmn:process>
  <bpmn:collaboration id="loan_fair_review_collaboration"><bpmn:participant id="loan_fair_review_party" name="Applicant"/><bpmn:participant id="loan_fair_review_pool" name="Lending case with affordability and collateral review" processRef="loan_fair_review_process"/><bpmn:messageFlow id="loan_fair_review_request" sourceRef="loan_fair_review_party" targetRef="loan_fair_review_start"/></bpmn:collaboration>
  <bpmndi:BPMNDiagram id="loan_fair_review_diagram"><bpmndi:BPMNPlane id="loan_fair_review_plane" bpmnElement="loan_fair_review_collaboration">
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    <bpmndi:BPMNShape id="loan_fair_review_pool_di" bpmnElement="loan_fair_review_pool" isHorizontal="true"><dc:Bounds x="20" y="180" width="2420" height="780"/></bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="loan_fair_review_lane_0_di" bpmnElement="loan_fair_review_lane_0" isHorizontal="true"><dc:Bounds x="50" y="180" width="2390" height="260"/></bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="loan_fair_review_lane_1_di" bpmnElement="loan_fair_review_lane_1" isHorizontal="true"><dc:Bounds x="50" y="440" width="2390" height="260"/></bpmndi:BPMNShape>
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    <bpmndi:BPMNShape id="loan_fair_review_start_di" bpmnElement="loan_fair_review_start"><dc:Bounds x="162" y="292" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="108" y="335" width="144" height="40"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
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    <bpmndi:BPMNShape id="loan_fair_review_check_0_1_di" bpmnElement="loan_fair_review_check_0_1"><dc:Bounds x="955" y="272" width="130" height="76"/></bpmndi:BPMNShape>
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    <bpmndi:BPMNShape id="loan_fair_review_join_di" bpmnElement="loan_fair_review_join"><dc:Bounds x="1416" y="286" width="48" height="48"/></bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="loan_fair_review_decision_di" bpmnElement="loan_fair_review_decision" isMarkerVisible="true"><dc:Bounds x="1626" y="286" width="48" height="48"/><bpmndi:BPMNLabel><dc:Bounds x="1578" y="236" width="144" height="40"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="loan_fair_review_success_1_di" bpmnElement="loan_fair_review_success_1"><dc:Bounds x="1795" y="272" width="130" height="76"/></bpmndi:BPMNShape>
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    <bpmndi:BPMNShape id="loan_fair_review_success_rest_1_di" bpmnElement="loan_fair_review_success_rest_1"><dc:Bounds x="2005" y="272" width="130" height="76"/></bpmndi:BPMNShape>
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    <bpmndi:BPMNShape id="loan_fair_review_complete_di" bpmnElement="loan_fair_review_complete"><dc:Bounds x="2262" y="292" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="2208" y="335" width="144" height="40"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
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    <bpmndi:BPMNEdge id="loan_fair_review_flow_1_di" bpmnElement="loan_fair_review_flow_1"><di:waypoint x="198" y="310"/><di:waypoint x="325" y="310"/></bpmndi:BPMNEdge>
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  </bpmndi:BPMNPlane></bpmndi:BPMNDiagram>
</bpmn:definitions>