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Credit Review Workflow
End-to-end credit review SOP with scoring matrix and approval routing.
Preview
A snippet of the actual file contents — full version included with purchase.
Start Here.xlsx
| LS FINANCIAL MANAGEMENT GROUP |
| Credit Review Workflow |
| End-to-end credit review SOP with scoring matrix and approva |
| How to use this workbook |
| • Yellow cells are inputs — change them for your business. |
| • Black cells contain formulas — do not overwrite. |
| • Green text references other worksheets in this file. |
| • Use the tabs at the bottom to navigate. |
Customer Intake.xlsx
| Customer Credit Application — Intake | |||
| Field | Value | Source | Notes |
| Customer legal name | Application | ||
| DBA | Application | ||
| Tax ID / ABN | Application | ||
| Years in business | Application/Bureau | ||
| Industry / NAICS | Application | ||
| Annual revenue ($) | Financials / D&B | ||
| Requested credit limit ($) | Application |
Scoring Matrix.xlsx
| Credit Scoring Matrix (Total 100 pts) | ||||
| Factor | Weight | Input | Score (0-10) | Weighted |
| Bureau score | 25 | 8 | ||
| Years in business | 10 | 7 | ||
| Trade reference quality | 15 | 7 | ||
| Bank reference strength | 10 | 8 | ||
| Industry risk (1=high, 10=low) | 10 | 6 | ||
| Financial leverage (D/E) | 15 | 7 | ||
| Liquidity (current ratio) | 10 | 8 |
Decision Engine.xlsx
| Score → Limit Band → Approval | |||
| Score Band | Risk Tier | Limit Guidance | Approver |
| 90–100 | A — Low | Up to $250k or 110% of requested | AR Manager |
| 75–89 | B — Medium | Up to $100k or 75% of requested | Controller |
| 60–74 | C — Watch | Up to $25k, CIA or LC preferred | Controller + CFO |
| <60 | D — Decline | Prepay or COD only | CFO |