Request Summary
Identify borrower, facility, amount, product, decision needed, and requested exception.
4.8
on G2
Free Banking & Lending Template
Document credit policy deviations, compensating factors, approval rationale, and monitoring
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.
Record a walkthrough, training session, or process demonstration. Docsie AI turns it into structured documentation using this template as the starting framework.
Use the template manually, or let Docsie generate the first draft from source footage.
Analyze suspicious activity alerts, customer context, transaction patterns, and disposition rationale
Review branch cash controls, teller operations, security, disclosures, and exception remediation
Checklist for verifying collateral value, perfection, insurance, and exceptions
Guide delinquency segmentation, borrower outreach, cure options, and escalation controls
Document borrower risk, repayment capacity, collateral, and recommended credit decision
Prepare regulated complaint investigation responses with facts, resolution, and corrective action
Template FAQ
Common questions about using and generating a credit Policy Exception.
Q: What is a credit Policy Exception?
A: A credit Policy Exception is a structured document for document credit policy deviations, compensating factors, approval rationale, and monitoring.
Q: Can I download this credit Policy Exception as Word or PDF?
A: Yes. This page includes free downloads in DOCX, PDF, and Markdown formats so you can edit, share, or import the template into your documentation system.
Q: Can Docsie generate this from a video?
A: Yes. Upload a process walkthrough, training recording, or screen capture to Docsie, then use this template structure to generate a first draft automatically.