Investor Presentaiton

Application Review Originator Fulfilment Verification Credit Decision Home Loan Origination Process Brokers Pre-filter-target market Broker Operations Proprietary Channel - Private, Mobile, Branch, Business Origination System (NZLO) Strategy Manager (SM) Scorecard Lenders Recommendation Underwriting standards Bureau Credit Authority Credit Manager Conditional Approval Exception Request Lenders Identification Income Valuation Other (e.g. construction) Documentation: Terms & Conditions, Mortgage Drawdown Support Centre Quality Assurance Checklists, Credit Manager, Credit Risk Review, Group Audit W : 38

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