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Sacco Loan Appraisal and Approval in Microsoft Dynamics 365 Business Central

Applies to: Microsoft Dynamics 365 Business Central

Audience: Loan Officers, Credit/Appraisal Analysts, Branch Managers/Approvers, System Admins Version: 2025-11-05

Overview​

This guide is a complete user reference for Sacco loan Appraisal and Approval processes in Business Central. It follows Microsoft Learn style, detailing prerequisites, step-by-step procedures, fields, controls, troubleshooting, and FAQs. Use Tell Me (Alt+Q) to find pages.

Process Flow​

  1. Initiated Application Intake
  2. Appraisal (data capture, eligibility)
  3. Generate Payment Schedule
  4. Appraisal Report
  5. Send for Approval
  6. Approver Decision
  7. Ready for Disbursement

Step 1 — Start the Appraisal from the Loan Application​

  • On the Loan Application card, click the Appraisal action to expose the appraisal tools.
  • Visual: Appraisal action button
  • Outcome: I can now access Eligibility Breakdown, Generate Payment Schedule, and Generate Appraisal Report.

Step 2 — Capture the appraisal details (financials, collateral, guarantors)​

  • Enter member income, other recurring income, existing loan obligations, deductions/expenses, and then capture collateral and guarantors as needed.
  • Use our standard appraisal form to double‑check inputs and attach it to the application.
  • Visuals for the card/views I worked on:

Step 3 — Run the Eligibility Breakdown and read the KPIs​

  • Choose Appraisal > Eligibility Breakdown to calculate eligibility based on the captured financials and product rules.
  • Compare what you see on screen to the PDF to validate figures (share multiple cap, DTI, recommended amount/term, and any exception flags).
  • Visuals:
  • What to check before moving on:
    • Requested vs. share‑multiple cap
    • DTI against product threshold (note any exception)
    • Recommended amount/term and conditions I must enforce

Step 4 — Generate a Payment Schedule to validate affordability​

  • Click Appraisal > Generate Payment Schedule and confirm Principal, Rate, Term, Frequency, Grace (if any), and First Installment Date.
  • Make sure installments, dates, and totals look right for the method (reducing/flat) before I commit.
  • Visual: Generate Payment Schedule dialog

Step 5 — Generate and attach the Appraisal Report​

  • Use Appraisal > Generate Appraisal Report to compile the formal memo for approval.
  • Verify it includes member profile, incomes/obligations, collateral/guarantors, eligibility KPIs, schedule summary, and any conditions; then I attach the PDF to the application.
  • Visuals:
    • Action: Generate Appraisal Report action
    • Preview: Preview of Appraisal Report

Step 6 — Send the appraised loan for approval​

  • From the application, click Send for Approval and add a short message: recommended amount/term, any exceptions, and key conditions (e.g., extra guarantor, share top‑up).
  • Visual: Send for Approval action
  • Result: Approval Entries are created and the document locks while it’s pending.

Step 7 — How the approver acts on the request​

  • The approver opens Approvals > Requests to Approve, opens the loan, and reviews my Header, Appraisal/Financials, Collateral/Guarantors, Schedule, Attachments, and the Appraisal Report.
  • Visual: Approval actions available to approver
  • Actions they can take (as shown): Approve, Reject (with a comment), Delegate, or Request Changes. I always read their comments for the audit trail and re‑submit if asked.

What each screenshot proves in my flow​

  • appraisal button.png — Where I access the Appraisal menu on the application card.
  • Loan Appraisal Breakdown.png — The live eligibility KPIs I reviewed (share multiple, DTI, recommended amount/term).
  • loan eligibility breakdown.pdf — The detailed numbers I relied on for the memo.
  • Generate Payment Schedule.png — The exact parameter dialog I used to validate affordability.
  • generate appraisal report.png & preview Appraisal Report.png — The report action and the preview I checked before attaching.
  • send loan for approval.png — The action I used to trigger the workflow.
  • Approval actions.png — The approver’s decision buttons I expect them to use.
  • Screenshot 2025-10-31 *.png — The application pages/tabs I edited and double‑checked during appraisal.

The data I make sure to capture before approval​

  • Member & Product: Member No./Name; Product Code/Name
  • Amount & Tenor: Requested vs. Recommended Amount; Requested vs. Recommended Term
  • Income & Obligations: Gross/Net monthly income; other recurring income; existing installments; deductions/expenses
  • Eligibility KPIs: Share‑multiple cap; DTI; net pay/allowable deduction; exceptions and rationale
  • Collateral/Guarantors: Values and coverage %; guarantor exposure/limits
  • Schedule summary: Frequency; first installment date; total interest/repayment
  • Attachments: Appraisal Report PDF; appraisal form; eligibility breakdown PDF; KYC evidence

How I keep control and a clean audit trail​

  • I rely on maker‑checker via approvals so my document locks while pending.
  • I put concise, decision‑ready comments in the approval message and attach the PDFs.
  • I keep all adjustments (like conditions or exceptions) written in both the report and approval comments.

If I hit a snag (what I do)​

  • Appraisal actions not visible → I confirm I’m on a Loan Application card, have permission, and the product is Released.
  • Eligibility Breakdown empty → I re‑enter missing income/obligations/product data and run it again.
  • Can’t generate schedule → I fill principal, rate, term, frequency, and first installment date; then retry.
  • Appraisal Report won’t open → I check that the report is published and allow pop‑ups.
  • Can’t send for approval → I confirm Approver User Setup, workflow activation, and approver limits.
  • Approver can’t act → I check Approval Entries for delegation or substitutes and nudge the current assignee.

Appendix — The exact images and documents I used​