Reject Loan Account

Overview

Rejects a loan application with documented reasons.

Endpoint

POST /api/bpm/cmd

Request Headers

Header	Type	Required	Description
Authorization	string	Yes	Bearer token for authentication
Content-Type	string	Yes	Must be application/json
X-Tenant-Id	string	Yes	Tenant identifier

Request Body

{
  "cmd": "RejectLoanCommand",
  "data": {
    "accountEncodedKey": "LN-2024-001234",
    "comment": "Insufficient credit history - Unable to verify income sources"
  }
}

Parameters

Parameter	Type	Required	Description
cmd	string	Yes	Must be "RejectLoanCommand"
data	object	Yes	Rejection data
↳ accountEncodedKey	string	Yes	Loan account identifier (EncodedKey or AccountNumber)
↳ comment	string	No	Rejection reason and comments

Response

Success Response (200 OK)

{
  "success": true,
  "message": "Loan rejected successfully",
  "data": {
    "loanId": "LA-2024-00001",
    "status": "Rejected",
    "rejectionDate": "2024-01-15T14:00:00Z",
    "rejectedBy": "manager@bank.com",
    "rejectionReason": "Insufficient collateral",
    "rejectionComments": "Loan-to-value ratio does not meet requirements"
  }
}

Status Codes

Code	Description
200	Loan rejected successfully
400	Invalid request
401	Unauthorized
403	Insufficient authority
404	Loan not found
409	Loan already processed
500	Internal server error

Business Rules

• Loan must be in PendingApproval status
• Rejection reason is mandatory
• Customer notified automatically
• Audit trail maintained
• Loan cannot be modified after rejection

Code Examples

C# Example

public async Task<RejectionResponse> RejectLoanAsync(string loanId, string reason, string comments = null)
{
    var request = new { loanId, rejectionReason = reason, rejectionComments = comments };
    var json = JsonSerializer.Serialize(request);
    var content = new StringContent(json, Encoding.UTF8, "application/json");
    
    var response = await _httpClient.PostAsync("/api/administration/loan/reject", content);
    response.EnsureSuccessStatusCode();
    
    var result = await response.Content.ReadAsStringAsync();
    return JsonSerializer.Deserialize<ApiResponse<RejectionResponse>>(result).Data;
}

TypeScript Example

async function rejectLoan(loanId: string, reason: string, comments?: string): Promise<RejectionResponse> {
  const response = await fetch('/api/administration/loan/reject', {
    method: 'POST',
    headers: {
      'Content-Type': 'application/json',
      'Authorization': `Bearer ${accessToken}`,
      'X-Tenant-Id': tenantId
    },
    body: JSON.stringify({ loanId, rejectionReason: reason, rejectionComments: comments })
  });
  
  const result = await response.json();
  return result.data;
}

Notes

• Rejection reason required for audit and customer communication
• Customer receives formal rejection notification
• Rejection cannot be undone (new application required)
• Loan officer notified of rejection