Screening inside the credit decision

No. The whole counterparty set returns in around 150 ms inside the call your decision engine already makes. Compliance becomes part of the credit decision rather than a step after it, so an approval never waits on a separate screening queue.

Yes. Guarantors are screened with the borrower, directors and beneficial owners, in one query, not after the loan is drawn. Dealers and suppliers go through the same screening, because in asset finance the party receiving the funds is often not the lessee.

The company resolves to its directors and beneficial owners, and all of them are screened as one set. A single line on the application often stands for several people, and each of them needs an individual check before the facility is approved.

By checking identity, device and behavior, and comparing the application with previous ones on file. Application fraud usually shows up at this stage, as reused details, a known device or the same person applying under different names. These signals sit on the same record compliance will monitor for the rest of the term.

Yes. Batch screening brings it in once. Every party on every live facility then joins the same monitoring cycle as new business, so a loan written five years ago is watched to the same standard as one written today.

The new owner is screened when the change happens, not at renewal. The change updates the risk score and opens a case with the new information attached. Monitoring runs until the final payment, so a mid-term change of ownership is caught like any other event.

Yes. Instalments, early repayments and third-party payments are checked against the borrower's profile. Laundering in lending tends to appear at repayment: a loan settled early with funds that don't match the borrower's income, or paid down by someone with no link to the contract.

In the credit file with a reason code, so the credit and compliance records agree. When a declined applicant returns, or a regulator asks why one was refused, the reason is the same in both places.

It correlates similar alerts into one case and prepares the summary with the evidence referenced. The analyst starts from a prepared picture and makes the decision.

CDD on every party at origination, ongoing monitoring for the full term, and decline reasons applied consistently. Supervisors often review credit risk and financial crime risk separately, but the evidence has to satisfy both, so it needs to come from one record.