Request Loan Approval

Overview

Submits a loan for approval workflow when all documentation is complete.

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": "RequestLoanApprovalCommand",
  "data": {
    "accountEncodedKey": "LN-2024-001234",
    "comment": "All documentation complete"
  }
}

Parameters

Parameter	Type	Required	Description
cmd	string	Yes	Must be "RequestLoanApprovalCommand"
data	object	Yes	Approval request data
↳ accountEncodedKey	string	Yes	Loan account identifier (EncodedKey or AccountNumber)
↳ comment	string	No	Notes for approver

Response

Success Response (200 OK)

{
  "success": true,
  "message": "Loan approval request submitted successfully",
  "data": {
    "loanId": "LA-2024-00001",
    "status": "PendingApproval",
    "requestedAt": "2024-01-12T10:00:00Z",
    "requestedBy": "officer@bank.com",
    "approvalLevel": "Level1",
    "assignedTo": "manager@bank.com",
    "estimatedApprovalTime": "24 hours"
  }
}

Status Codes

Code	Description
200	Approval request submitted successfully
400	Loan not ready for approval
401	Unauthorized
404	Loan not found
409	Loan already in approval workflow
500	Internal server error

Business Rules

• All required fields must be completed
• Guarantors must be in place
• Documentation must be complete
• Loan automatically routed to appropriate approver based on amount
• Approver notified automatically

Code Examples

C# Example

public async Task<ApprovalRequestResponse> RequestLoanApprovalAsync(string loanId, string notes = null)
{
    var request = new { loanId, notes };
    var json = JsonSerializer.Serialize(request);
    var content = new StringContent(json, Encoding.UTF8, "application/json");
    
    var response = await _httpClient.PostAsync("/api/administration/loan/request-approval", content);
    response.EnsureSuccessStatusCode();
    
    var result = await response.Content.ReadAsStringAsync();
    return JsonSerializer.Deserialize<ApiResponse<ApprovalRequestResponse>>(result).Data;
}

TypeScript Example

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

Notes

• Validates all prerequisites before submission
• Routes to appropriate approval level based on amount
• Tracks approval request in workflow system
• Notifications sent to approvers