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This occurs when the requested loan amount exceeds the policy threshold by more than 5%.

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Platform Action

Auto-escalation triggered if loan exceeds $3.5M (metro) or $2.5M (regional) by more than 5%.

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Credit Operations – Next Steps

  • Review request and rationale
  • Contact borrower for confirmation if needed
  • Appropriately authorised DLA holder may approve above max after review

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Example Situation

An applicant applies for a $3.7M loan in metro Sydney. The system detects it’s above the $3.5M limit by more than 5% and escalates to credit ops for DLA review.
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