Twiggy process verify-sme-loan-applicant Twiggy process provision-sme-loan Twiggy process assess-credit-risk applicant_verifiedloan_declinedreferred_to_creditrun_credit_decisioningloan_approved loan_acceptedreview_approvedpresent_loan_termsterms_accepted referred_to_retentionattempt_customer_retention Flow_1 Flow_8 Flow_4 Flow_5 Flow_6 Flow_10 The loan origination system assesses the application and decides whether the loan is approved, declined or needs a credit review.Flow_1Flow_2 The app presents the final terms of the approved loan for the customer to accept or reject.Flow_3Flow_6Flow_7 The retention department follows up with customers who rejected the loan terms.Flow_9Flow_10 Flow_2Flow_3Flow_4Flow_5 Flow_7Flow_8Flow_9