Undo Loan Approval

Overview

Reverses a loan approval before disbursement has occurred.

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": "UndoLoanApprovalCommand",
  "data": {
    "loanAccountId": 12345,
    "reason": "Incorrect information discovered",
    "comments": "Need to reverify credit history"
  }
}

Parameters

Parameter	Type	Required	Description
cmd	string	Yes	Must be "UndoLoanApprovalCommand"
data	object	Yes	Undo approval data
↳ loanAccountId	integer	Yes	Loan account ID to undo approval for
↳ reason	string	Yes	Reason for undoing approval
↳ comments	string	No	Additional comments

Response

Success Response (200 OK)

{
  "success": true,
  "message": "Loan approval undone successfully",
  "data": {
    "loanId": "LA-2024-00001",
    "status": "Draft",
    "approvalUndoneAt": "2024-01-16T09:00:00Z",
    "undoneBy": "manager@bank.com",
    "reason": "Additional documentation required"
  }
}

Status Codes

Code	Description
200	Approval undone successfully
400	Cannot undo approval (loan disbursed)
401	Unauthorized
403	Insufficient authority
404	Loan not found
409	Loan not in approved status
500	Internal server error

Business Rules

• Can only undo before disbursement
• Requires supervisory authority
• Reason is mandatory
• Loan returns to draft status
• Re-approval required before disbursement

Code Examples

C# Example

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

TypeScript Example

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

Notes

• Cannot undo after disbursement
• Requires higher authority than original approval
• All approval history maintained in audit trail
• Loan officer and customer notified
• Loan must go through approval again