New Credit Application

The New Credit Application page allows loan officers and authorised users to manually submit a credit application on behalf of an applicant. The form is divided into two sections: Applicant Information and Application Data.

To access this page, navigate to Home → Credit Scoring Applications and click the New Application button in the top-right corner.

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Page Overview

The form collects all the information needed to generate a credit score and route the application through the appropriate decision workflow. Once submitted, the application is automatically scored and enters the configured approval chain.

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Applicant Information

This section captures the personal identity details of the credit applicant. All fields marked with a red asterisk (*) are required.

Field	Required	Description
Full Name	✅ Yes	The applicant’s complete legal name.
National Identification Number (NIN)	✅ Yes	The applicant’s government-issued national ID number.
Phone Number	✅ Yes	The applicant’s primary contact number.
Email Address	No	The applicant’s email address.
Branch	✅ Yes	The branch associated with this application, selected from a dropdown of configured branches.

Field Validation Rules

Caution

The following fields have strict validation and will prevent the form from submitting if the values provided are not in the correct format.

• NIN — Must be a valid, correctly formatted national identification number. Invalid or malformed NINs will be rejected.
• Phone Number — Must be a valid phone number. The system validates the format and will not accept arbitrary numeric strings.
• Email Address — If provided, must be a properly formatted email address (e.g. name@domain.com).

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Application Data

This section captures the financial and loan-specific details used to compute the applicant’s credit score.

Tip

The fields in this section are dynamically configured by your system administrators via Settings. The fields shown below reflect a typical default setup — your organisation may see different fields, different labels, or a different number of inputs entirely, depending on how scoring parameters have been configured for your workflows.

Field	Description
Gross Monthly Income	The sum of all the applicant’s monthly incomes from all sources.
Total Expenditures	The sum of all the applicant’s monthly expenditures.
Total Current Debt	The total outstanding debt the applicant currently holds across all obligations.
Current Monthly Debt Installment	The amount the applicant is currently repaying each month toward existing debts.
CRB Score	The applicant’s score as retrieved from a Credit Reference Bureau (CRB) platform.
Loan Application Amount	The amount of money the applicant is requesting.
Proposed Monthly Payment	The monthly repayment amount the applicant is proposing for the requested loan.
Purpose	A brief description of what the applicant intends to use the loan for.

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Submitting the Application

1. Fill in all required Applicant Information fields, ensuring the NIN, phone number, and email (if provided) pass validation.
2. Complete all Application Data fields shown for your organisation’s configuration.
3. Click Create Credit Application to submit. The application is immediately scored and routed into the appropriate workflow.
4. To discard the form without saving, click Cancel or Back to Applications.

Note

Once submitted, the application appears in the Credit Applications list with a status of Submitted and begins moving through the configured approval workflow automatically.