Approve or decline an application with credit decisioning software. This functionality can be extended with Credit Line, Scoring Automation, Decision Automation and other features. With Delegated Lending Authority setup, and Control of Officer Authorization, credit decisions can be taken based on a customer’s current exposure and amount of new credit; customer rating, and balloon value can also be taken into account, and there are separate authorizations for initial approval/decline, loan variations, and write-off to loss account.