Takeaways

Compress time to yes, improve underwriting hit rate, and grow deposits per relationship.

Key findings

• Standard deal packages and risk bands cut underwriting rework by ~35%.
• Front-door triage returned next-day declines for clear no-go files; analysts focused on real deals.
• Pre-qualified offers at annual review added ~1.2 products per relationship.

Signals

What we would do next

• Publish three risk bands with doc lists and authority limits.
• Client doc portal with progress bar and one-click reminders.
• Weekly deal board with aging by stage and SLA breaches.