Request Summary
Identify borrower, facility, amount, product, decision needed, and requested exception.
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Free Banking & Lending Template
Download a free credit policy exception template in Word, PDF, or Markdown. Or bring your notes, PDFs, or a recording and let Docsie AI fill in every section for you.
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Use this template to document credit policy deviations, compensating factors, approval rationale, and monitoring.
| Field | Details |
|---|---|
| Category | Banking & Lending |
| Owner | [Team or owner] |
| Version | [Version number] |
| Effective Date | [Date] |
| Review Cycle | [Monthly / Quarterly / Annual / Event-based] |
| Status | [Draft / In Review / Approved] |
Identify borrower, facility, amount, product, decision needed, and requested exception.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Quote or summarize the applicable credit policy threshold, covenant, or documentation standard.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Explain how the request deviates from policy and whether it is temporary or ongoing.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Assess repayment, collateral, compliance, concentration, pricing, and portfolio implications.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
List strengths such as cash flow, guarantees, deposit relationship, collateral margin, or covenants.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
State approve, decline, or modify with approval authority and conditions.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Define follow-up reporting, ticklers, covenant tracking, and expiration or cure date.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Template Structure
Use this banking & lending template as a starting point, then customize each section to match your internal workflow, evidence, and signoff needs.
Identify borrower, facility, amount, product, decision needed, and requested exception.
Quote or summarize the applicable credit policy threshold, covenant, or documentation standard.
Explain how the request deviates from policy and whether it is temporary or ongoing.
Assess repayment, collateral, compliance, concentration, pricing, and portfolio implications.
List strengths such as cash flow, guarantees, deposit relationship, collateral margin, or covenants.
State approve, decline, or modify with approval authority and conditions.
Define follow-up reporting, ticklers, covenant tracking, and expiration or cure date.
Write a credit policy exception request for lending approval. Structure with these Markdown sections:
Identify borrower, facility, amount, product, decision needed, and requested exception.
Quote or summarize the applicable credit policy threshold, covenant, or documentation standard.
Explain how the request deviates from policy and whether it is temporary or ongoing.
Assess repayment, collateral, compliance, concentration, pricing, and portfolio implications.
List strengths such as cash flow, guarantees, deposit relationship, collateral margin, or covenants.
State approve, decline, or modify with approval authority and conditions.
Define follow-up reporting, ticklers, covenant tracking, and expiration or cure date.
Policy requires DSCR of at least 1.25x for renewal facilities over $250,000.
Projected DSCR is 1.18x due to temporary expansion costs.
Approve renewal with monthly borrowing base reports and guarantor support retained.
Bring what you already have: meeting notes, an old PDF, a spreadsheet, a walkthrough recording. Docsie AI drafts every section of this credit policy exception template in the structure above, then exports to Word, PDF, or Markdown for review and signoff.
Free to try. The template above was itself generated by Docsie — see it work on real videos at /tutorials/.
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Template FAQ
Common questions about downloading and generating a credit policy exception template.
Q: What is a credit policy exception template?
A: A credit policy exception template is a structured document for document credit policy deviations, compensating factors, approval rationale, and monitoring.
Q: Is the credit policy exception template really free?
A: Yes. The credit policy exception template is completely free to download in Word (DOCX), PDF, and Markdown formats. No signup or credit card required to download.
Q: How do I turn a video into a credit Policy Exception?
A: Upload a process walkthrough, training recording, or screen capture to Docsie. The AI analyzes the video and generates a complete credit Policy Exception using this template's structure — every required field auto-filled from the footage.
Q: Can I edit the credit policy exception template after downloading?
A: Yes. The DOCX format opens in Microsoft Word or Google Docs. The Markdown format imports into Notion, Confluence, Docsie, or any markdown editor. Customize fields, add your branding, and adapt to your internal workflow.