Creditcrest Operations
The work a lender’s people do on a file, replayed from what happened: who holds it, what is left on the checklist, how long it has waited against the lender’s own service level, and a conclusion that stands only once a second person has checked it.
APP-EXAMPLE-1 — in review awaiting a second check
Ana (assessor) concluded on 3 Sept 2026: The assessor concluded the credit contract is not unsuitable for this applicant.
The lender’s workflow asks for a second check on every conclusion, so this one does not stand yet. Ana (assessor) cannot give it: the person who concluded a file is never its second check.
When Sam (senior assessor) confirms it, the file is concluded with both names on the conclusion.
The checklist
An item is closed with a note of what was seen, by the person who saw it. Nothing is completed on anybody’s behalf.
| Item | Status | By, and what was seen |
|---|---|---|
| Requirements and objectives inquired about and recorded | done | Ana (assessor), 2 Sept 2026 — A $1,200 loan for a rental bond, over eight months; the applicant wants to repay fortnightly. |
| Financial situation inquired about | done | Ana (assessor), 2 Sept 2026 — Declared income, expenses and debts recorded on the application. |
| Financial situation verified — statements read and figures reconciled | done | Ana (assessor), 2 Sept 2026 — Ninety-four days of statement read; the rent corrected to what the account shows. |
| Ninety days of transactions obtained and considered, for a small amount contract (if it applies) | not applicable | Ana (assessor), 2 Sept 2026 — Not a small amount credit contract. |
| Reasons for the conclusion written by the assessor | done | Ana (assessor), 3 Sept 2026 — Reasons written in the conclusion. |
A figure corrected, and a document read by another system
Ana (assessor) changed monthly rent from 1200 to 1350 on 2 Sept 2026: The statement shows $675 a fortnight to the agent, not the $1,200 a month declared.
Fields read from a payslip the applicant uploaded, read by the lender’s document service were a proposal until reviewed: employer accepted, netPay rejected — “The payslip shows $2,201.40 net; the extraction transposed two digits.”
The queue
Past its service level first, then by priority, then oldest. Service levels are the lender’s, in business days; time waiting on the applicant is not counted.
| File | Where it is | Service level |
|---|---|---|
| APP-EXAMPLE-2 | received | past its limit |
| APP-EXAMPLE-1 | in review — awaiting a second check, held by Ana (assessor) | past its limit |
| APP-EXAMPLE-3 | received | due 7 Sept 2026 |
The trail
| Day | What | Who |
|---|---|---|
| 1 Sept 2026 | opened | |
| 1 Sept 2026 | assigned | Ana (assessor) |
| 1 Sept 2026 | extracted | another system |
| 2 Sept 2026 | reviewed | Ana (assessor) |
| 2 Sept 2026 | checked — requirements | Ana (assessor) |
| 2 Sept 2026 | checked — financial-situation | Ana (assessor) |
| 2 Sept 2026 | figure changed | Ana (assessor) |
| 2 Sept 2026 | checked — verification | Ana (assessor) |
| 2 Sept 2026 | checked — ninety-days | Ana (assessor) |
| 3 Sept 2026 | checked — reasons | Ana (assessor) |
| 3 Sept 2026 | concluded — not_unsuitable | Ana (assessor) |
The roles
- assessor — Works files assigned to them.
- senior — Works any assigned file, may act on a colleague’s file, and may give a second check.
- compliance — Reads everything, reports, and may give a second check. Does not work files.
- admin — Works any assigned file and administers the queue.
- auditor — Reads everything and reports. Changes nothing.
A lender’s own system posts its workflow, staff and events to /v1/operations/case and gets this back as data. Nothing is stored. This records the work people did on a file and checks it against the lender’s own workflow. The conclusion is the assessor’s, not this software’s. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and does not hold an Australian credit licence. Its software produces evidence; the licensee makes the decision.