Loan origination with DMN decision and manual underwriting

Consumer-loan origination: completeness check, credit-bureau pull, a business-rule task that evaluates a DMN decision table (APPROVE / REFER / DECLINE plus pricing tier), a three-way gateway on the decision output, manual underwriting for referrals, an adverse-action notice for declines, and an offer that is either signed or lapses after 30 days (event-based gateway). Illustrative offer validity.
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<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="Process_LoanOrigination_defs" targetNamespace="http://flowss.ai/bpmn">
  <bpmn:message id="Msg_Application" name="Loan application"/>
  <bpmn:message id="Msg_SignedAgreement" name="Signed credit agreement"/>
  <bpmn:process id="Process_LoanOrigination" name="Loan origination" isExecutable="false">
    <bpmn:documentation>The eligibility and pricing decision is a DMN decision table (hit policy FIRST) invoked from a business-rule task over credit score, debt-to-income and loan-to-value; it returns decision = APPROVE | REFER | DECLINE and an APR tier. The exclusive gateway routes on that output: referrals go to a human underwriter, and every decline — automated or manual — receives an adverse-action notice. An approved offer waits on an event-based gateway for the signed agreement or a 30-day expiry. The 30-day offer validity is illustrative.</bpmn:documentation>
    <bpmn:laneSet id="Process_LoanOrigination_lanes">
      <bpmn:lane id="Lane_Origination" name="Loan origination"><bpmn:flowNodeRef>Start_Application</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Completeness</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Offer</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_AwaitSignature</bpmn:flowNodeRef><bpmn:flowNodeRef>Catch_Signed</bpmn:flowNodeRef><bpmn:flowNodeRef>Catch_Expired</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Disburse</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Lapse</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_CloseMerge</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Archive</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Closed</bpmn:flowNodeRef></bpmn:lane>
      <bpmn:lane id="Lane_Underwriting" name="Underwriting"><bpmn:flowNodeRef>Task_Underwrite</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_Underwriter</bpmn:flowNodeRef></bpmn:lane>
      <bpmn:lane id="Lane_Decisioning" name="Decision engine"><bpmn:flowNodeRef>Task_Bureau</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Decide</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_Decision</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_DeclineMerge</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Adverse</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Declined</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_ApproveMerge</bpmn:flowNodeRef></bpmn:lane>
    </bpmn:laneSet>
    <bpmn:startEvent id="Start_Application" name="Loan application received"><bpmn:messageEventDefinition id="Start_Application_ed" messageRef="Msg_Application"/></bpmn:startEvent>
    <bpmn:userTask id="Task_Completeness" name="Check completeness"/>
    <bpmn:serviceTask id="Task_Bureau" name="Pull credit bureau report"/>
    <bpmn:businessRuleTask id="Task_Decide" name="Evaluate credit decision (DMN)"/>
    <bpmn:exclusiveGateway id="Gw_Decision" name="Decision?" default="Flow_7"/>
    <bpmn:userTask id="Task_Underwrite" name="Underwrite referral"/>
    <bpmn:exclusiveGateway id="Gw_Underwriter" name="Underwriter approves?" default="Flow_10"/>
    <bpmn:exclusiveGateway id="Gw_DeclineMerge"/>
    <bpmn:sendTask id="Task_Adverse" name="Send adverse action notice"/>
    <bpmn:endEvent id="End_Declined" name="Application declined"/>
    <bpmn:exclusiveGateway id="Gw_ApproveMerge"/>
    <bpmn:sendTask id="Task_Offer" name="Issue loan offer"/>
    <bpmn:eventBasedGateway id="Gw_AwaitSignature" name="Await applicant"/>
    <bpmn:intermediateCatchEvent id="Catch_Signed" name="Signed agreement received"><bpmn:messageEventDefinition id="Catch_Signed_ed" messageRef="Msg_SignedAgreement"/></bpmn:intermediateCatchEvent>
    <bpmn:intermediateCatchEvent id="Catch_Expired" name="Offer expires (30 days)"><bpmn:timerEventDefinition id="Catch_Expired_ed"><bpmn:timeDuration xsi:type="bpmn:tFormalExpression">P30D</bpmn:timeDuration></bpmn:timerEventDefinition></bpmn:intermediateCatchEvent>
    <bpmn:serviceTask id="Task_Disburse" name="Book loan and disburse funds"/>
    <bpmn:serviceTask id="Task_Lapse" name="Withdraw lapsed offer"/>
    <bpmn:exclusiveGateway id="Gw_CloseMerge"/>
    <bpmn:serviceTask id="Task_Archive" name="Archive application file"/>
    <bpmn:endEvent id="End_Closed" name="Application closed"/>
    <bpmn:sequenceFlow id="Flow_1" sourceRef="Start_Application" targetRef="Task_Completeness"/>
    <bpmn:sequenceFlow id="Flow_2" sourceRef="Task_Completeness" targetRef="Task_Bureau"/>
    <bpmn:sequenceFlow id="Flow_3" sourceRef="Task_Bureau" targetRef="Task_Decide"/>
    <bpmn:sequenceFlow id="Flow_4" sourceRef="Task_Decide" targetRef="Gw_Decision"/>
    <bpmn:sequenceFlow id="Flow_5" name="APPROVE" sourceRef="Gw_Decision" targetRef="Gw_ApproveMerge"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=decision = "APPROVE"</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_6" name="REFER" sourceRef="Gw_Decision" targetRef="Task_Underwrite"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=decision = "REFER"</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_7" name="DECLINE" sourceRef="Gw_Decision" targetRef="Gw_DeclineMerge"/>
    <bpmn:sequenceFlow id="Flow_8" sourceRef="Task_Underwrite" targetRef="Gw_Underwriter"/>
    <bpmn:sequenceFlow id="Flow_9" name="yes" sourceRef="Gw_Underwriter" targetRef="Gw_ApproveMerge"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=underwriterApproved</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_10" name="no" sourceRef="Gw_Underwriter" targetRef="Gw_DeclineMerge"/>
    <bpmn:sequenceFlow id="Flow_11" sourceRef="Gw_DeclineMerge" targetRef="Task_Adverse"/>
    <bpmn:sequenceFlow id="Flow_12" sourceRef="Task_Adverse" targetRef="End_Declined"/>
    <bpmn:sequenceFlow id="Flow_13" sourceRef="Gw_ApproveMerge" targetRef="Task_Offer"/>
    <bpmn:sequenceFlow id="Flow_14" sourceRef="Task_Offer" targetRef="Gw_AwaitSignature"/>
    <bpmn:sequenceFlow id="Flow_15" sourceRef="Gw_AwaitSignature" targetRef="Catch_Signed"/>
    <bpmn:sequenceFlow id="Flow_16" sourceRef="Gw_AwaitSignature" targetRef="Catch_Expired"/>
    <bpmn:sequenceFlow id="Flow_17" sourceRef="Catch_Signed" targetRef="Task_Disburse"/>
    <bpmn:sequenceFlow id="Flow_18" sourceRef="Catch_Expired" targetRef="Task_Lapse"/>
    <bpmn:sequenceFlow id="Flow_19" sourceRef="Task_Disburse" targetRef="Gw_CloseMerge"/>
    <bpmn:sequenceFlow id="Flow_20" sourceRef="Task_Lapse" targetRef="Gw_CloseMerge"/>
    <bpmn:sequenceFlow id="Flow_21" sourceRef="Gw_CloseMerge" targetRef="Task_Archive"/>
    <bpmn:sequenceFlow id="Flow_22" sourceRef="Task_Archive" targetRef="End_Closed"/>
    <bpmn:textAnnotation id="Note_DMN"><bpmn:text>DMN decision table, hit policy FIRST: credit score, debt-to-income and loan-to-value → APPROVE | REFER | DECLINE and APR tier.</bpmn:text></bpmn:textAnnotation>
    <bpmn:association id="Note_DMN_as" sourceRef="Task_Decide" targetRef="Note_DMN"/>
  </bpmn:process>
  <bpmn:collaboration id="Process_LoanOrigination_collab">
    <bpmn:participant id="Process_LoanOrigination_pool" name="Lender — loan origination" processRef="Process_LoanOrigination"/>
    <bpmn:participant id="Participant_Applicant" name="Applicant"/>
    <bpmn:messageFlow id="MsgFlow_Application" name="Loan application" sourceRef="Participant_Applicant" targetRef="Start_Application"/>
    <bpmn:messageFlow id="MsgFlow_Offer" name="Loan offer" sourceRef="Task_Offer" targetRef="Participant_Applicant"/>
    <bpmn:messageFlow id="MsgFlow_Adverse" name="Adverse action notice" sourceRef="Task_Adverse" targetRef="Participant_Applicant"/>
    <bpmn:messageFlow id="MsgFlow_Signed" name="Signed agreement" sourceRef="Participant_Applicant" targetRef="Catch_Signed"/>
    <bpmn:messageFlow id="MsgFlow_Funds" name="Funds and repayment schedule" sourceRef="Task_Disburse" targetRef="Participant_Applicant"/>
  </bpmn:collaboration>
  <bpmndi:BPMNDiagram id="Process_LoanOrigination_di">
    <bpmndi:BPMNPlane id="Process_LoanOrigination_plane" bpmnElement="Process_LoanOrigination_collab">
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      <bpmndi:BPMNShape id="Lane_Origination_di" bpmnElement="Lane_Origination" isHorizontal="true"><dc:Bounds x="190" y="200" width="2418" height="250"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Lane_Underwriting_di" bpmnElement="Lane_Underwriting" isHorizontal="true"><dc:Bounds x="190" y="450" width="2418" height="150"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Lane_Decisioning_di" bpmnElement="Lane_Decisioning" isHorizontal="true"><dc:Bounds x="190" y="600" width="2418" height="260"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Participant_Applicant_di" bpmnElement="Participant_Applicant" isHorizontal="true"><dc:Bounds x="160" y="60" width="2448" height="60"/></bpmndi:BPMNShape>
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      <bpmndi:BPMNShape id="Task_Completeness_di" bpmnElement="Task_Completeness"><dc:Bounds x="380" y="240" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Bureau_di" bpmnElement="Task_Bureau"><dc:Bounds x="530" y="635" width="100" height="80"/></bpmndi:BPMNShape>
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      <bpmndi:BPMNShape id="Task_Underwrite_di" bpmnElement="Task_Underwrite"><dc:Bounds x="980" y="485" width="100" height="80"/></bpmndi:BPMNShape>
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      <bpmndi:BPMNShape id="Gw_DeclineMerge_di" bpmnElement="Gw_DeclineMerge" isMarkerVisible="true"><dc:Bounds x="1155" y="770" width="50" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Adverse_di" bpmnElement="Task_Adverse"><dc:Bounds x="1280" y="755" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Declined_di" bpmnElement="End_Declined"><dc:Bounds x="1462" y="777" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="1452" y="818" width="56" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_ApproveMerge_di" bpmnElement="Gw_ApproveMerge" isMarkerVisible="true"><dc:Bounds x="1455" y="650" width="50" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Offer_di" bpmnElement="Task_Offer"><dc:Bounds x="1580" y="240" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_AwaitSignature_di" bpmnElement="Gw_AwaitSignature"><dc:Bounds x="1755" y="255" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="1742" y="236" width="76" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Catch_Signed_di" bpmnElement="Catch_Signed"><dc:Bounds x="1912" y="262" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="1884" y="303" width="92" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Catch_Expired_di" bpmnElement="Catch_Expired"><dc:Bounds x="1912" y="367" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="1888" y="408" width="84" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Disburse_di" bpmnElement="Task_Disburse"><dc:Bounds x="2030" y="240" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Lapse_di" bpmnElement="Task_Lapse"><dc:Bounds x="2030" y="345" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_CloseMerge_di" bpmnElement="Gw_CloseMerge" isMarkerVisible="true"><dc:Bounds x="2205" y="255" width="50" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Archive_di" bpmnElement="Task_Archive"><dc:Bounds x="2330" y="240" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Closed_di" bpmnElement="End_Closed"><dc:Bounds x="2512" y="262" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="2485" y="303" width="91" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
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      <bpmndi:BPMNEdge id="Flow_2_di" bpmnElement="Flow_2"><di:waypoint x="480" y="280"/><di:waypoint x="505" y="280"/><di:waypoint x="505" y="675"/><di:waypoint x="530" y="675"/></bpmndi:BPMNEdge>
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      <bpmndi:BPMNEdge id="Flow_6_di" bpmnElement="Flow_6"><di:waypoint x="880" y="650"/><di:waypoint x="880" y="525"/><di:waypoint x="980" y="525"/><bpmndi:BPMNLabel><dc:Bounds x="886" y="631" width="40" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
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      <bpmndi:BPMNEdge id="Flow_8_di" bpmnElement="Flow_8"><di:waypoint x="1080" y="525"/><di:waypoint x="1155" y="525"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_9_di" bpmnElement="Flow_9"><di:waypoint x="1205" y="525"/><di:waypoint x="1480" y="525"/><di:waypoint x="1480" y="650"/><bpmndi:BPMNLabel><dc:Bounds x="1211" y="506" width="20" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
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      <bpmndi:BPMNEdge id="Flow_11_di" bpmnElement="Flow_11"><di:waypoint x="1205" y="795"/><di:waypoint x="1280" y="795"/></bpmndi:BPMNEdge>
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      <bpmndi:BPMNShape id="Note_DMN_di" bpmnElement="Note_DMN"><dc:Bounds x="610" y="750" width="250" height="72"/></bpmndi:BPMNShape>
      <bpmndi:BPMNEdge id="Note_DMN_as_di" bpmnElement="Note_DMN_as"><di:waypoint x="730" y="715"/><di:waypoint x="730" y="750"/></bpmndi:BPMNEdge>
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    </bpmndi:BPMNPlane>
  </bpmndi:BPMNDiagram>
</bpmn:definitions>