<?xml version="1.0" encoding="UTF-8"?>
<bpmn:definitions xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:di="http://www.omg.org/spec/DD/20100524/DI" id="Definitions_1" targetNamespace="http://bpmn.io/schema/bpmn">
  <bpmn:process id="Proc_Loan" isExecutable="false">
    <bpmn:startEvent id="Start_App" name="Loan Application" />
    <bpmn:task id="Task_Intake" name="Verify Intake Form" />
    <bpmn:parallelGateway id="Fork_Checks" name="Parallel&#10;Checks" />
    <bpmn:task id="Task_KYC" name="Identity &#38; AML Check" />
    <bpmn:task id="Task_Credit_Bureau" name="Credit Bureau Inquiry" />
    <bpmn:task id="Task_Income" name="Income Verification" />
    <bpmn:parallelGateway id="Join_Checks" name="Checks&#10;Synced" />
    <bpmn:exclusiveGateway id="Gateway_Risk_Tier" name="Risk Tier?" />
    <bpmn:task id="Task_Fast_Approve" name="Standard Automated Approval" />
    <bpmn:exclusiveGateway id="Join_Decline" name="Reject Path" />
    <bpmn:task id="Task_Fast_Decline" name="Automated Decline Notice" />
    <bpmn:endEvent id="End_Declined" name="Application Rejected" />
    <bpmn:exclusiveGateway id="Join_Review" name="Underwriting Intake" />
    <bpmn:task id="Task_Manual_Review" name="Manual Underwriting Review" />
    <bpmn:boundaryEvent id="Timer_Review_SLA" name="24h SLA" attachedToRef="Task_Manual_Review" />
    <bpmn:task id="Task_Expedite" name="Expedite to Senior Team" />
    <bpmn:exclusiveGateway id="Gateway_Underwriter" name="Underwriter&#10;Decision" />
    <bpmn:task id="Task_Request_Collateral" name="Negotiate Collateral" />
    <bpmn:exclusiveGateway id="Join_Approve" name="Approve Branch" />
    <bpmn:task id="Task_Prepare_Contract" name="Prepare Loan Agreement" />
    <bpmn:endEvent id="End_Approved" name="Loan Disbursed" />
    <bpmn:sequenceFlow id="LF1" sourceRef="Start_App" targetRef="Task_Intake" />
    <bpmn:sequenceFlow id="LF2" sourceRef="Task_Intake" targetRef="Fork_Checks" />
    <bpmn:sequenceFlow id="LF_Check_1" sourceRef="Fork_Checks" targetRef="Task_KYC" />
    <bpmn:sequenceFlow id="LF_Check_2" sourceRef="Fork_Checks" targetRef="Task_Credit_Bureau" />
    <bpmn:sequenceFlow id="LF_Check_3" sourceRef="Fork_Checks" targetRef="Task_Income" />
    <bpmn:sequenceFlow id="LF_Join_1" sourceRef="Task_KYC" targetRef="Join_Checks" />
    <bpmn:sequenceFlow id="LF_Join_2" sourceRef="Task_Credit_Bureau" targetRef="Join_Checks" />
    <bpmn:sequenceFlow id="LF_Join_3" sourceRef="Task_Income" targetRef="Join_Checks" />
    <bpmn:sequenceFlow id="LF_To_Risk" sourceRef="Join_Checks" targetRef="Gateway_Risk_Tier" />
    <bpmn:sequenceFlow id="LF_Low_Risk" sourceRef="Gateway_Risk_Tier" targetRef="Task_Fast_Approve" />
    <bpmn:sequenceFlow id="LF_High_Risk" sourceRef="Gateway_Risk_Tier" targetRef="Join_Decline" />
    <bpmn:sequenceFlow id="LF_Med_Risk" sourceRef="Gateway_Risk_Tier" targetRef="Join_Review" />
    <bpmn:sequenceFlow id="LF_To_Decline" sourceRef="Join_Decline" targetRef="Task_Fast_Decline" />
    <bpmn:sequenceFlow id="LF_Decline_End" sourceRef="Task_Fast_Decline" targetRef="End_Declined" />
    <bpmn:sequenceFlow id="LF_SLA_Flow" sourceRef="Timer_Review_SLA" targetRef="Task_Expedite" />
    <bpmn:sequenceFlow id="LF_To_Review" sourceRef="Join_Review" targetRef="Task_Manual_Review" />
    <bpmn:sequenceFlow id="LF_To_UW" sourceRef="Task_Manual_Review" targetRef="Gateway_Underwriter" />
    <bpmn:sequenceFlow id="LF_UW_Approve" sourceRef="Gateway_Underwriter" targetRef="Join_Approve" />
    <bpmn:sequenceFlow id="LF_UW_Decline" sourceRef="Gateway_Underwriter" targetRef="Join_Decline" />
    <bpmn:sequenceFlow id="LF_UW_Cond" sourceRef="Gateway_Underwriter" targetRef="Task_Request_Collateral" />
    <bpmn:sequenceFlow id="LF_Loop_UW" sourceRef="Task_Request_Collateral" targetRef="Join_Review" />
    <bpmn:sequenceFlow id="LF_Auto_Approve" sourceRef="Task_Fast_Approve" targetRef="Join_Approve" />
    <bpmn:sequenceFlow id="LF_Contract" sourceRef="Join_Approve" targetRef="Task_Prepare_Contract" />
    <bpmn:sequenceFlow id="LF_Success_End" sourceRef="Task_Prepare_Contract" targetRef="End_Approved" />
  </bpmn:process>
  <bpmndi:BPMNDiagram id="BPMNDiagram_1">
    <bpmndi:BPMNPlane id="BPMNPlane_1" bpmnElement="Proc_Loan">
      <bpmndi:BPMNShape id="Start_App_di" bpmnElement="Start_App">
        <dc:Bounds x="100" y="162" width="36" height="36" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="72" y="208" width="92" height="14" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Intake_di" bpmnElement="Task_Intake">
        <dc:Bounds x="196" y="140" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Fork_Checks_di" bpmnElement="Fork_Checks">
        <dc:Bounds x="356" y="155" width="50" height="50" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="395" y="138" width="44" height="28" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_KYC_di" bpmnElement="Task_KYC">
        <dc:Bounds x="466" y="20" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Credit_Bureau_di" bpmnElement="Task_Credit_Bureau">
        <dc:Bounds x="466" y="140" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Income_di" bpmnElement="Task_Income">
        <dc:Bounds x="466" y="260" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Join_Checks_di" bpmnElement="Join_Checks">
        <dc:Bounds x="626" y="155" width="50" height="50" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="665" y="138" width="42" height="28" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gateway_Risk_Tier_di" bpmnElement="Gateway_Risk_Tier">
        <dc:Bounds x="736" y="155" width="50" height="50" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="775" y="152" width="58" height="14" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Fast_Approve_di" bpmnElement="Task_Fast_Approve">
        <dc:Bounds x="846" y="20" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Join_Decline_di" bpmnElement="Join_Decline">
        <dc:Bounds x="1301" y="155" width="50" height="50" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="1294" y="135" width="64" height="14" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Fast_Decline_di" bpmnElement="Task_Fast_Decline">
        <dc:Bounds x="1436" y="140" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Declined_di" bpmnElement="End_Declined">
        <dc:Bounds x="1596" y="162" width="36" height="36" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="1559" y="208" width="110" height="14" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Join_Review_di" bpmnElement="Join_Review">
        <dc:Bounds x="871" y="275" width="50" height="50" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="844" y="255" width="104" height="14" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Manual_Review_di" bpmnElement="Task_Manual_Review">
        <dc:Bounds x="1006" y="260" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Expedite_di" bpmnElement="Task_Expedite">
        <dc:Bounds x="1276" y="380" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gateway_Underwriter_di" bpmnElement="Gateway_Underwriter">
        <dc:Bounds x="1166" y="275" width="50" height="50" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="1205" y="258" width="64" height="28" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Request_Collateral_di" bpmnElement="Task_Request_Collateral">
        <dc:Bounds x="1276" y="500" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Join_Approve_di" bpmnElement="Join_Approve">
        <dc:Bounds x="1301" y="275" width="50" height="50" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="1284" y="331" width="84" height="14" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Prepare_Contract_di" bpmnElement="Task_Prepare_Contract">
        <dc:Bounds x="1436" y="260" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Approved_di" bpmnElement="End_Approved">
        <dc:Bounds x="1596" y="282" width="36" height="36" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="1572" y="328" width="84" height="14" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Timer_Review_SLA_di" bpmnElement="Timer_Review_SLA">
        <dc:Bounds x="1038" y="322" width="36" height="36" />
        <bpmndi:BPMNLabel>
          <dc:Bounds x="1074" y="358" width="48" height="14" />
        </bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNEdge id="LF_Check_1_di" bpmnElement="LF_Check_1">
        <di:waypoint x="381" y="155" />
        <di:waypoint x="381" y="60" />
        <di:waypoint x="466" y="60" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Check_2_di" bpmnElement="LF_Check_2">
        <di:waypoint x="406" y="180" />
        <di:waypoint x="466" y="180" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Check_3_di" bpmnElement="LF_Check_3">
        <di:waypoint x="381" y="205" />
        <di:waypoint x="381" y="300" />
        <di:waypoint x="466" y="300" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_To_Risk_di" bpmnElement="LF_To_Risk">
        <di:waypoint x="676" y="180" />
        <di:waypoint x="736" y="180" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Low_Risk_di" bpmnElement="LF_Low_Risk">
        <di:waypoint x="761" y="155" />
        <di:waypoint x="761" y="60" />
        <di:waypoint x="846" y="60" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_High_Risk_di" bpmnElement="LF_High_Risk">
        <di:waypoint x="786" y="180" />
        <di:waypoint x="1301" y="180" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Med_Risk_di" bpmnElement="LF_Med_Risk">
        <di:waypoint x="761" y="205" />
        <di:waypoint x="761" y="300" />
        <di:waypoint x="871" y="300" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_To_Decline_di" bpmnElement="LF_To_Decline">
        <di:waypoint x="1351" y="180" />
        <di:waypoint x="1436" y="180" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_To_Review_di" bpmnElement="LF_To_Review">
        <di:waypoint x="921" y="300" />
        <di:waypoint x="1006" y="300" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_UW_Approve_di" bpmnElement="LF_UW_Approve">
        <di:waypoint x="1216" y="300" />
        <di:waypoint x="1301" y="300" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_UW_Decline_di" bpmnElement="LF_UW_Decline">
        <di:waypoint x="1191" y="275" />
        <di:waypoint x="1191" y="240" />
        <di:waypoint x="1326" y="240" />
        <di:waypoint x="1326" y="205" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_UW_Cond_di" bpmnElement="LF_UW_Cond">
        <di:waypoint x="1191" y="325" />
        <di:waypoint x="1191" y="540" />
        <di:waypoint x="1276" y="540" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Contract_di" bpmnElement="LF_Contract">
        <di:waypoint x="1351" y="300" />
        <di:waypoint x="1436" y="300" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF2_di" bpmnElement="LF2">
        <di:waypoint x="296" y="180" />
        <di:waypoint x="356" y="180" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Join_1_di" bpmnElement="LF_Join_1">
        <di:waypoint x="566" y="60" />
        <di:waypoint x="651" y="60" />
        <di:waypoint x="651" y="155" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Join_2_di" bpmnElement="LF_Join_2">
        <di:waypoint x="566" y="180" />
        <di:waypoint x="626" y="180" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Join_3_di" bpmnElement="LF_Join_3">
        <di:waypoint x="566" y="300" />
        <di:waypoint x="651" y="300" />
        <di:waypoint x="651" y="205" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_To_UW_di" bpmnElement="LF_To_UW">
        <di:waypoint x="1106" y="300" />
        <di:waypoint x="1166" y="300" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Loop_UW_di" bpmnElement="LF_Loop_UW">
        <di:waypoint x="1326" y="580" />
        <di:waypoint x="1326" y="620" />
        <di:waypoint x="896" y="620" />
        <di:waypoint x="896" y="325" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Auto_Approve_di" bpmnElement="LF_Auto_Approve">
        <di:waypoint x="946" y="60" />
        <di:waypoint x="1271" y="60" />
        <di:waypoint x="1271" y="300" />
        <di:waypoint x="1301" y="300" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF1_di" bpmnElement="LF1">
        <di:waypoint x="136" y="180" />
        <di:waypoint x="196" y="180" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Decline_End_di" bpmnElement="LF_Decline_End">
        <di:waypoint x="1536" y="180" />
        <di:waypoint x="1596" y="180" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_SLA_Flow_di" bpmnElement="LF_SLA_Flow">
        <di:waypoint x="1056" y="358" />
        <di:waypoint x="1056" y="420" />
        <di:waypoint x="1276" y="420" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="LF_Success_End_di" bpmnElement="LF_Success_End">
        <di:waypoint x="1536" y="300" />
        <di:waypoint x="1596" y="300" />
      </bpmndi:BPMNEdge>
    </bpmndi:BPMNPlane>
  </bpmndi:BPMNDiagram>
</bpmn:definitions>
