September 14: Prepare Customer Credit Request Packets Without Setting Credit Terms

Set a narrow finish line

Assemble the application, references, requested limit, source documents, and missing items into one review packet. Do not calculate an approval or communicate terms that the credit owner has not set.

Work from the original record

Keep the request, attachments, later updates, and corrections linked to the customer credit request preparation record. When sources conflict, show both values and ask the named owner; do not quietly select the value that closes the item.

Separate preparation from approval

For customer credit request preparation, an outsourced specialist may collect records, label status, draft neutral follow-up, and prepare a review packet. Changes to money, contracts, access, customer remedies, compliance conclusions, or public promises remain with the named owner.

Make incomplete work visible

Use separate states for ready, waiting on evidence, conflicting records, outside scope, and owner decision required. Each hold should state the missing fact, the safe current state, the next question, and who can answer it.

Check the first live batch

Review every consequential case at launch and sample routine items from more than one source and operator. Compare the prepared result with the current instruction and linked evidence. Record the defect and correction in the queue, not only in private feedback.

Report what the queue really shows

Report received, prepared, held, corrected, escalated, and aging items with denominators. Add owner review time and repeated exception causes. Expand customer credit request preparation only when a second person can reconstruct one completed case and one held case from the record.

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