start-event needs-control evaluate-disbursement-rules Gateway_0u8ncuu create-account process-end-event execute-concurrent-tasks Gateway_1lmvvd7 archive-documents Gateway_03iwqyj disbursement-control needs-four-eyes-verification changes-requested Gateway_0883twg verify-disbursement-details changes-requested verify-disbursement-details Gateway_03iwqyj disbursement-control needs-four-eyes-verification Gateway_0883twg ## Disbursement Process Start Initiates the loan disbursement process for approved applications. - Input: Approved loan application ready for disbursement processing - Actor: System automatically starts the disbursement workflow - Outcome: Process begins with disbursement rules evaluation Flow_1cbhztn ## Manual Control Required Determines if manual control is required before disbursement based on risk assessment. - Decision factors: Loan amount, risk profile, and policy requirements - Actor: System evaluates disbursement rules output against control thresholds - Outcome: Routes to manual control or proceeds directly to disbursement Flow_0v6x4ed needs-control-yes needs-control-no ## Evaluate Disbursement Rules Assesses disbursement conditions and requirements based on business rules. - Rule inputs: Loan terms, collateral status, documentation completeness - Actor: Business rules engine evaluates disbursement readiness - Outcome: Determines control requirements and disbursement authorization level Flow_1cbhztn Flow_0v6x4ed ## Control Gateway Merges flows requiring manual control from initial assessment or change requests. - Convergence point: Combines initial control needs and rework requirements - Actor: System consolidates different paths requiring manual intervention - Outcome: Unified flow continues to disbursement control task needs-control-yes changes-requested-yes Flow_0s8459j ## Disbursement Control Case worker performs manual verification and control of disbursement details. - Control scope: Documentation verification, terms validation, and compliance check - Actor: Controller reviews disbursement readiness and accuracy - Outcome: Approves disbursement or identifies need for four-eyes verification Flow_0s8459j Flow_1j52lz2 ## Four Eyes Verification Required Determines if additional approver verification is needed based on control assessment. - Decision criteria: High-value loans, complex cases, or policy requirements - Actor: System evaluates control results against four-eyes verification thresholds - Outcome: Routes to approver verification or proceeds to final approval Flow_1j52lz2 needs-four-eyes-verification-no needs-four-eyes-verification-yes ## Changes Requested Decision Evaluates if the approver has requested changes to disbursement details. - Decision basis: Approver verification results and identified issues - Actor: System evaluates approver feedback and change requirements - Outcome: Either returns for rework or proceeds with approval Flow_0ftprbi changes-requested-no changes-requested-yes ## Control Approval Gateway Merges successful control paths from direct approval or approver verification. - Convergence point: Combines approved paths from controller and approver reviews - Actor: System consolidates successful control completion paths - Outcome: Unified flow continues to disbursement execution needs-four-eyes-verification-no changes-requested-no Flow_1o3tff8 ## Verify Disbursement Details Approver performs detailed verification of disbursement details and authorization. - Verification scope: Final review of amounts, accounts, terms, and documentation - Actor: Approver provides final authorization using four-eyes principle - Outcome: Approves disbursement or requests changes for correction needs-four-eyes-verification-yes Flow_0ftprbi ## Disbursement Authorization Gateway Merges all approved paths ready for disbursement execution. - Convergence point: Combines automatic approval and manual control completion - Actor: System consolidates all authorization paths - Outcome: Proceeds to concurrent disbursement and archiving tasks needs-control-no Flow_1o3tff8 Flow_0u6tgfs ## Disburse Loan Executes the actual loan disbursement to customer account or designated recipient. - Disbursement actions: Transfer funds, create accounts, and update loan status - Actor: Core banking system processes the disbursement transaction - Outcome: Loan amount successfully disbursed and recorded Flow_15c692g Flow_08bjqmi ## Disbursement Process Complete Finalizes the disbursement process with successful loan disbursement and archiving. - Process result: Loan successfully disbursed and all documents archived - Actor: System completes the disbursement workflow - Outcome: Disbursement process completed, loan becomes active Flow_11qexrt ## Execute Concurrent Tasks Splits flow to execute disbursement and document archiving in parallel. - Parallel execution: Optimizes process efficiency by running tasks concurrently - Actor: System initiates parallel execution of independent tasks - Outcome: Concurrent processing of disbursement and archiving activities Flow_0u6tgfs Flow_15c692g Flow_18wod99 ## Synchronize Completion Synchronizes completion of parallel disbursement and archiving tasks. - Synchronization point: Waits for both disbursement and archiving to complete - Actor: System ensures both parallel tasks finish before proceeding - Outcome: All disbursement activities completed successfully Flow_08bjqmi Flow_0ewft25 Flow_11qexrt ## Archive Documents Archives all loan-related documents and records for compliance and record-keeping. - Archiving scope: Application documents, approvals, and disbursement records - Actor: Document management system processes archiving automatically - Outcome: All documents properly archived and accessible for future reference Flow_18wod99 Flow_0ewft25 ${__gateway_outgoing_path == "needs-control-yes"} ${__gateway_outgoing_path == "needs-control-no"} ${__gateway_outgoing_path == "changes-requested-yes"} ${__gateway_outgoing_path == "needs-four-eyes-verification-no"} ${__gateway_outgoing_path == "needs-four-eyes-verification-yes"} ${__gateway_outgoing_path == "changes-requested-no"}