Acceptance Criteria Matching Module
No manual intervention required — matching and process type determination run on every pending application.
CMAP
Credit Management Association of the Philippines negative file
BAP
Bankers Association of the Philippines cancelled cards file
LOSMF
LOS master file - duplicate application checking
CIS
Customer Information System - relationship checking
CIRES
CI Results file - previously conducted checkings
| Reference | Applicant | Product | Amount | Term | Source | Score | Process | Stage | |
|---|---|---|---|---|---|---|---|---|---|
| PL-2026-000119 | Delos Reyes, Antonio Aug 24, 2026 | PL-SAL 0001 | ₱350,000 | 24mo | Walk-in | 719 | Standard Process | Acceptance Matching | Open |
Decision rules in force
- Negative CMAP / BAP match → outright reject with reason code R01.
- Score 760+, no deviations and amount up to 1,000,000 → fast track auto-approval.
- Score 660+ with at most one deviation → standard process, routed to Evaluator.
- Otherwise → full evaluation with mandatory credit investigation and appraisal.