Credit process sequencing for max efficiency

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RB Community,

We're looking to improve the credit process for our SME segment to ultimately speed up time to yes and time to money while maintaining the same risk management rigour. One of the key aspects we are looking at is sequencing of credit and broader operational processes (e.g. fraud checks, site visits, KYC, name screening) to ensure that more operationally intensive processes or those requiring specialist teams (and therefore handoffs) are staged later to avoid wasted resources if a credit application is ultimately rejected. We would appreciate any input you might have on:

Guiding principles for sequencing of the credit process from an efficiency perspective
Examples of similar work looking at the efficiency of the credit process
Any guidance from similar work on aspects of the credit process that use the most/ least resources
Any analysis looking at aspects of the credit process that can be performed in branches without RM involvement

Thanks in advance!