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How to manage credit policy exceptions across lending portfolios?

Identify, approve, monitor, and evidence credit policy exceptions across borrower files, committee papers, waivers, and facility terms.

Explore Playbooks

Make policy exceptions explicit

Credit exceptions can hide in committee papers, approvals, waiver letters, facility terms, collateral gaps, and borrower conditions. TextMine extracts the exception, source evidence, owner, approval status, and expiry date.

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Apply consistent review criteria

Playbooks can define which deviations are acceptable, which require escalation, and what evidence is needed for approval.

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Track remediation and expiry

Workflows can route open exceptions, approaching expiries, missing mitigants, and remediation actions to responsible owners.

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Report exception exposure

Records can support portfolio reporting by borrower, product, sector, risk grade, exception type, and approval status.

Detect deviations
Find exceptions in approvals, terms, waivers, and file notes.
Classify severity
Apply playbook rules for approval and escalation.
Capture approvals
Record approver, date, condition, and evidence.
Track remediation
Assign mitigants, deadlines, and owner actions.
Store records
Create a governed exception register.
Report exposure
Monitor exception trends and concentrations.
Audit decisions
Keep source evidence and reviewer history attached.
Detect deviations
Find exceptions in approvals, terms, waivers, and file notes.
Classify severity
Apply playbook rules for approval and escalation.
Capture approvals
Record approver, date, condition, and evidence.
Track remediation
Assign mitigants, deadlines, and owner actions.
Store records
Create a governed exception register.
Report exposure
Monitor exception trends and concentrations.
Audit decisions
Keep source evidence and reviewer history attached.

Report exception exposure

Records can support portfolio reporting by borrower, product, sector, risk grade, exception type, and approval status.

Detect deviations
Find exceptions in approvals, terms, waivers, and file notes.
Classify severity
Apply playbook rules for approval and escalation.
Capture approvals
Record approver, date, condition, and evidence.
Track remediation
Assign mitigants, deadlines, and owner actions.
Store records
Create a governed exception register.
Report exposure
Monitor exception trends and concentrations.
Audit decisions
Keep source evidence and reviewer history attached.
Detect deviations
Find exceptions in approvals, terms, waivers, and file notes.
Classify severity
Apply playbook rules for approval and escalation.
Capture approvals
Record approver, date, condition, and evidence.
Track remediation
Assign mitigants, deadlines, and owner actions.
Store records
Create a governed exception register.
Report exposure
Monitor exception trends and concentrations.
Audit decisions
Keep source evidence and reviewer history attached.

Product map

Match each document job to the right TextMine surface

These guides can mention several products because enterprise document work rarely stops at extraction. Use this map to see how review, evidence, orchestration, records, rules, and system handoff fit together.

WorkbenchReview documents, compare files, ask questions, and produce source-aware outputs.VaultExtract document facts and keep every answer tied to source evidence and review state.WorkflowsRoute exceptions, approvals, evidence requests, remediation tasks, and handoffs.RecordsTurn approved findings into governed records for search, reporting, export, and sync.PlaybooksCodify policies, review criteria, templates, and acceptable positions.IntegrationsSend verified document context into agents, APIs, CRMs, ERPs, and compliance tools.

Map TextMine to your document workflow

Tell us what you are trying to review, extract, route, or report on. We will show which TextMine products fit your process, from Workbench and Vault through Workflows, Records, Playbooks, and Integrations.

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