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No
(clock stops)
Yes
No
Yes
Determination of Initial Credit Limit - Process FlowCreditworthiness Evaluation Process (Section 1.3.3.1)
Ap
pli
ca
nt
Cre
dit
or
(del
ays
wou
ld a
dd t
ime
to c
lock
)
Sends CreditApplication Form
to Applicant
Contacts Creditorto apply Fills out Credit
Application Form& supporting documents
(Applicant orGuarantor)
gathers neededfinancial
information
Submits CreditApplication Formto Creditor
Receives CreditApplication Formfrom Applicant(clock starts/
restarts)(MBP 2.3.3.5)
Checks CreditApplication Formfor completeness
Complete?
Sends request formissing data/documents
via overnight/fax/e-mail
Perform initialcredit limit
determination(within 10 Business
Days)(MBP 2.3.3.12)
Able tocomplete?
Request needed
clarification
Initial credit limitdetermination completed
Prepare and send writtenreport of initial creditlimit determination
via overnight/fax/e-mail(within 5 Business Days)
(MBP 2.3.3.13)
Receives writtenresults
Evaluationcomplete
Note: Individual Model BusinessPractice (MBP) numbers citedonly when they specify timeframes
Providerequestedinformation
Key:
Solid Lines = Normal ProcessDashed Lines = Exceptions
If Credit Application Form is not complete, Creditor must notify theApplicant of missing items within 5 Business Days (MBP 2.3.3.6)
Ratification Date xx/xx/xxxx(Version Approved by SUIS 3/18/2008
Reconsideration of Determination of Initial Credit Limit - Process FlowCreditworthiness Evaluation Process (Section 1.4.3.1)
Ap
pli
ca
nt
Cre
dit
or
No
No
Yes
Yes
Yes
Yes
STOPNo
Receives reconsideration
request
Requestreconsideration
by Creditor
Rec’d<=30 days ofdetermination
?(2.3.4.1)
Go to Challenge
process flowDiagram
MaterialChange?
12 monthssince
evaluation?
Initiatereconsideration
Time for periodicreview or aware ofMaterial Change?
Send CreditApplication Form
to Applicant
Fills out CreditApplication Form
& supporting documents
Gathers neededfinancial
information
Perform creditlimit
determination
Submits CreditApplication Form
to Creditor
Receives writtenresults
Process complete
Receives noticedenying
reconsideration
Send noticedenying
reconsiderationrequest
(MBP 2.3.4.1)
Note: Individual Model Business Practice (MBP)numbers cited only when they specify time frames
Same Process as “Determination of Initial Credit Limit”(See RXQ 2.4.1 Process Flow Diagram)
No
Ratification Date xx/xx/xxxx(Version Approved by SUIS 3/18/2004)
No
Yes
Reconsideration of Determination of Initial Credit Limit – Challenge Process FlowCreditworthiness Evaluation Process (Section 1.4.3.2)
Ap
pli
ca
nt
Cre
dit
or
Yes
No
Yes
No
Yes
No
Yes
Send writtenreport of results
Receives andreviews written
credit limitdetermination
results
Is determination
acceptable?
Prepare andsubmit Challenge(within 30 Days)(MBP 2.3.4.1)
ReceivesApplicant’s Challenge
Received<= 30 days
?
Provides rationalefor Applicant review(within 5 Business
Days)(MBP 2.3.4.2)
Applicant and Creditor review initial
determination and supporting data
Materialerrors?
Maximum Duration = 15 Business Days(MBP 2.3.4.2)
Receives andreviews new
written results
Isdeterminationacceptable?
Is Creditorsubject to ARA’s (1)
dispute resolutionprocess
Sends noticedenying Challenge
Note: Individual Model Business Practice (MBP)numbers cited only when they specify time frames
(1) ARA = Applicable Regulatory Authority
No
Evaluationcomplete
Appeal toApplicableRegulatoryAuthority
Receives noticedenying Challenge
Perform credit limitreevaluation
(within 10 BusinessDays of receipt of
corrected information)
Prepare and sendWritten report of
result(within 5 Business
Days)
Ratification Date xx/xx/xxxx(Version Approved by SUIS 3/18/2004)
Disqualification/Remedies - Process FlowDisqualification/Remedies (Section 1.5.3.1)
Ap
pli
ca
nt
Cre
dit
or Yes
Start(R)isk vs
(S)ecurity?
Send request foradd’l security
Applicantrequest
received
Done
Receives (lower)security
arrangement in place
Ratification Date xx/xx/xxxx(Version Approved by SUIS 3/18/2004)
R=S Stop
Ask to reducesecurity?
R< S
R< S
Requestadd’l
security?
Stop
Note: Individual Model Business Practice (MBP)numbers cited only when they specify time frames
No
Request new(lower) security
arrangement
Creditorrequestreceived
Actiontaken
Shortfallremedied within
time limit?
Reduce risk bystopping Enrollment
Requests,move custs to Dual Billing,
reduce product sales,or other ARA-approved
remedy, includingdisqualification (if Applicant
is Supplier)
DoneEstablish new
(lower) securityarrangement
Requests madevia overnight,fax, or e-mail
Reduce risk exposure
Provide add’lsecurity
None
Stop
No
Yes
No
Yes