You are BA for an organization XYZ who have products for BPM (Business Process Management) and Document Management System to enable business process improvement for customer – AER Bank. AER Bank wants to automate their loan origination process.

Create a BRD for the same

Basic flow with stakeholder’s role at each step

S. No	Stakeholder	Work items	Description
1	Branch Officer	Customer onboarding	Customer visits branch and ask for loan and fills application for required product, amount, tenure
2	Branch manager	Proposal maker	Credit Checks and application check
3	Credit recommender	Underwriting	See customer financial details and ability to pay loan based on credit score, salary and asset/liabilities.
4	Credit approver	Approval, Pricing	Approves loan, amount, interest rate
5	Loan processing officer	Sanction	Sanction loan and sanction letter, ask customer to sign document
6	Loan processing officer	Documentation	ask customer to sign document digitally and upload all required documents as per the required loan
7	Disbursement Officer	Disbursement	Final Loan disbursed to customer’s account or in form of cheque
Optional	Field Investigation, Valuation, Legal etc.		As per type of loan or requirement of bank

Instructions:

• You are expected to read about the loan origination process on the internet to write better BRD documents.
• Completion of each section is necessary to get full marks.
• At least 9 user stories in “As a USER, I want…………... so that …….” Format is required
• User stories should be SMART
• Writing user stories along with acceptance criteria and priority is mandatory