Credit Decisions

A Bank-sponsored lending program requires daily reporting of all credit decisions, for all submitted credit applications. This includes credit applications that are submitted but denied at KYB.

Credit Decisions can be made for different entities, like Application or Credit Account, each of those requiring a different relationship in the request.

A credit decision can be either Approved, Denied or ManualReview. After creating a ManualReview decision and finishing the manual review process, a second decision of Approved or Denied needs to be created. Each decision requires different attributes for the request:

Approved Decision Attributes

Name	Type	Description
creditLimit	Integer (Cents)	Credit limit for application as evaluated per policy.

Denied Decision Attributes

Name	Type	Description
decisionReason	string	Reason for denial per credit policy. Max 200 char.
adverseActionReasons	Array of strings	Array of strings representing Adverse action reasons (must have at least one). Max 200 char per reason.

For each type of decision there is also a different request, as can be seen below.

Create Manual Review Credit Application Decision

Create a manual review credit decision for a credit application request (before a customer exists).

Credit decision creation requests support Idempotency, ensuring that performing multiple identical requests will have the same result as a single request.

Verb	`POST`
Url	`https://api.s.unit.sh/credit-decisions`
Required Scope	`credit-decisions-write`
Data Type	`manualReviewCreditApplicationDecision`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
policyException	boolean	One of `true` or `false`.
policyExceptionReason	string	Conditional if policyException is `true`. Brief description of reason for policy

exception. Max 200 char. additionalUnderwritingData | json | Object containing key-value pairs of underwriting data per credit policy. idempotencyKey | string | Optional. See Idempotency.

Relationships

Name	Type	Description
creditApplication	JSON:API Relationship	The Credit Application for which this credit decision applies to.

Example Request:
curl -X POST 'https://api.s.unit.sh/credit-decisions'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "manualReviewCreditApplicationDecision",
    "attributes": {
      "externalApplicationId": "A1234",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "policyException": false,
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "idempotencyKey": "3q1a3sbe-se12-4603-8ed0-820923389fb1"
    },
    "relationships": {
      "creditApplication": {
        "data": {
          "type": "creditApplication",
          "id": "12"
        }
      }
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
data	ManualReviewCreditApplicationDecision	The returned resource

after the operation was completed.

Example Response:
{
  "data": {
    "type": "manualReviewCreditApplicationDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditApplication",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "ManualReview",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      }
    },
    "relationships": {
      "application": {
        "data": {
          "type": "application",
          "id": "10005"
        }
      },
      "bank": {
        "data": {
          "type": "bank",
          "id": "10"
        }
      },
      "creditApplication": {
        "data": {
          "type": "creditApplication",
          "id": "12"
        }
      }
    }
  }
}

Create Denied Credit Application Decision

Create a denied credit decision for a credit application request (before a customer exists).

Credit decision creation requests support Idempotency, ensuring that performing multiple identical requests will have the same result as a single request.

Verb	`POST`
Url	`https://api.s.unit.sh/credit-decisions`
Required Scope	`credit-decisions-write`
Data Type	`deniedCreditApplicationDecision`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
decisionReason	string	Reason for denial per credit policy. Max 200 char.
adverseActionReasons	Array of strings	Array of strings representing Adverse action reasons (must have at least one). Max 200 char per reason.
policyException	boolean	One of `true` or `false`.
policyExceptionReason	string	Conditional if policyException is `true`. Brief description of reason for policy exception. Max 200 char.
additionalUnderwritingData	json	Object containing key-value pairs of underwriting data per credit policy.
idempotencyKey	string	Optional. See Idempotency.

Relationships

Name	Type	Description
creditApplication	JSON:API Relationship	The Credit Application for which this credit decision applies to.

Example Request:
curl -X POST 'https://api.s.unit.sh/credit-decisions'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "deniedCreditApplicationDecision",
    "attributes": {
      "externalApplicationId": "A1234",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "policyException": false,
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "decisionReason": "this is a decline reason",
      "adverseActionReasons": [
        "adverse action reason 1",
        "adverse action reason 2"
      ],
      "idempotencyKey": "3q1a3sbe-se12-4603-8ed0-820923389fb1"
    },
    "relationships": {
      "creditApplication": {
        "data": {
          "type": "creditApplication",
          "id": "12"
        }
      }
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
data	DeniedCreditApplicationDecision	The returned resource after the operation was completed.

Example Response:
{
  "data": {
    "type": "deniedCreditApplicationDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditApplication",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "Denied",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "decisionReason": "this is a decline reason",
      "adverseActionReasons": [
        "adverse action reason 1",
        "adverse action reason 2"
      ]
    },
    "relationships": {
      "application": {
        "data": {
          "type": "application",
          "id": "10005"
        }
      },
      "bank": {
        "data": {
          "type": "bank",
          "id": "10"
        }
      },
      "creditApplication": {
        "data": {
          "type": "creditApplication",
          "id": "12"
        }
      }
    }
  }
}

Create Manual Review Credit Limit Decision

Create a manual review credit decision for an existing customer.

Credit decision creation requests support Idempotency, ensuring that performing multiple identical requests will have the same result as a single request.

Verb	`POST`
Url	`https://api.s.unit.sh/credit-decisions`
Required Scope	`credit-decisions-write`
Data Type	`manualReviewCreditLimitDecision`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
policyException	boolean	One of `true` or `false`.
policyExceptionReason	string	Conditional if policyException is `true`. Brief description of reason for policy exception. Max 200 char.
additionalUnderwritingData	json	Object containing key-value pairs of underwriting data per credit policy.
idempotencyKey	string	Optional. See Idempotency.

Relationships

Name	Type	Description
creditApplication	JSON:API Relationship	The Credit Application for which this credit decision applies to.

Example Request:
curl -X POST 'https://api.s.unit.sh/credit-decisions'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "manualReviewCreditLimitDecision",
    "attributes": {
      "externalApplicationId": "A1234",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "idempotencyKey": "3q1a3sbe-se12-4603-8ed0-820923389fb1"
    },
    "relationships": {
      "creditApplication": {
        "data": {
          "type": "creditApplication",
          "id": "12"
        }
      }
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
data	ManualReviewCreditLimitDecision	The returned resource after the operation was completed.

Example Response:
{
  "data": {
    "type": "manualReviewCreditLimitDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditLimit",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "ManualReview",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      }
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "creditApplication": {
        "data": {
          "type": "creditApplication",
          "id": "12"
        }
      }
    }
  }
}

Create Approved Credit Limit Decision

Create an approved credit decision for a credit application.

Credit decision creation requests support Idempotency, ensuring that performing multiple identical requests will have the same result as a single request.

Verb	`POST`
Url	`https://api.s.unit.sh/credit-decisions`
Required Scope	`credit-decisions-write`
Data Type	`approvedCreditLimitDecision`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
creditLimit	Integer (Cents)	Credit limit for application as evaluated per policy.
policyException	boolean	One of `true` or `false`.
policyExceptionReason	string	Conditional if policyException is `true`. Brief description of reason for policy exception. Max 200 char.
additionalUnderwritingData	json	Object containing key-value pairs of underwriting data per credit policy.
idempotencyKey	string	Optional. See Idempotency.

Relationships

Name	Type	Description
creditApplication	JSON:API Relationship	The Credit Application for which this credit decision applies to.

Example Request:
curl -X POST 'https://api.s.unit.sh/credit-decisions'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "approvedCreditLimitDecision",
    "attributes": {
      "externalApplicationId": "A1234",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "creditLimit": 1000000,
      "idempotencyKey": "3q1a3sbe-se12-4603-8ed0-820923389fb1"
    },
    "relationships": {
      "creditApplication": {
        "data": {
          "type": "creditApplication",
          "id": "12"
        }
      }
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
data	ApprovedCreditLimitDecision	The returned resource after the operation was completed.

Example Response:
{
  "data": {
    "type": "approvedCreditLimitDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditLimit",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "Approved",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "creditLimit": 1000000
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "creditApplication": {
        "data": {
          "type": "creditApplication",
          "id": "12"
        }
      }
    }
  }
}

Create Denied Credit Limit Decision

Create a denied credit decision for an existing customer.

Credit decision creation requests support Idempotency, ensuring that performing multiple identical requests will have the same result as a single request.

Verb	`POST`
Url	`https://api.s.unit.sh/credit-decisions`
Required Scope	`credit-decisions-write`
Data Type	`deniedCreditLimitDecision`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
externalApplicationId	string	Identifier for client’s credit evaluation related to this decision. Max 200 char.
submissionTimestamp	timestamp	Timestamp when the corresponding credit application was submitted.
decisionTimestamp	timestamp	Timestamp when the credit decision was made.
policyException	boolean	One of `true` or `false`.
policyExceptionReason	string	Conditional if policyException is `true`. Brief description of reason for policy exception. Max 200 char.
additionalUnderwritingData	json	Object containing key-value pairs of underwriting data per credit policy.
decisionReason	string	Reason for denial per credit policy. Max 200 char.
adverseActionReasons	Array of strings	Array of strings representing Adverse action reasons (must have at least one). Max 200 char per reason.
idempotencyKey	string	Optional. See Idempotency.

Relationships

Name	Type	Description
creditApplication	JSON:API Relationship	The Credit Application for which this credit decision applies to.

Example Request:
curl -X POST 'https://api.s.unit.sh/credit-decisions'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "deniedCreditLimitDecision",
    "attributes": {
      "externalApplicationId": "A1234",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "decisionReason": "this is a decline reason",
      "adverseActionReasons": [
        "adverse action reason 1",
        "adverse action reason 2"
      ],
      "idempotencyKey": "3q1a3sbe-se12-4603-8ed0-820923389fb1"
    },
    "relationships": {
      "creditApplication": {
        "data": {
          "type": "creditApplication",
          "id": "12"
        }
      }
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
data	DeniedCreditLimitDecision	The returned resource after the operation was completed.

Example Response:
{
  "data": {
    "type": "deniedCreditLimitDecision",
    "id": "1",
    "attributes": {
      "createdAt": "2023-07-04T15:21:11.688Z",
      "externalApplicationId": "A1234",
      "evaluationType": "CreditLimit",
      "submissionTimestamp": "2023-09-19T09:10:09.206Z",
      "decisionTimestamp": "2023-09-19T09:10:09.206Z",
      "decision": "Denied",
      "policyException": true,
      "policyExceptionReason": "Executive approval",
      "additionalUnderwritingData": {
        "someKey1": "someValue1",
        "someKey2": "someValue2",
        "someKey3": "someValue3"
      },
      "decisionReason": "this is a decline reason",
      "adverseActionReasons": [
        "adverse action reason 1",
        "adverse action reason 2"
      ]
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      },
      "creditApplication": {
        "data": {
          "type": "creditApplication",
          "id": "12"
        }
      }
    }
  }
}

Get by Id

Get a credit decision resource by id.

Verb	`GET`
Url	`https://api.s.unit.sh/credit-decisions/{id}`
Required Scope	`credit-decisions`
Timeout (Seconds)	`5`

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	CreditDecision	A credit decision resource.

curl -X GET 'https://api.s.unit.sh/credit-decisions/1' \
-H "Authorization: Bearer ${TOKEN}"

List

List credit decision resources. Paging can be applied.

Verb	`GET`
Url	`https://api.s.unit.sh/credit-decisions`
Required Scope	`credit-decisions`
Timeout (Seconds)	`5`

Query Parameters

Name	Type	Default	Description
page[limit]	integer	100	Optional. Maximum number of resources that will be returned. Maximum is 1000 resources. See Pagination.
page[offset]	integer	0	Optional. Number of resources to skip. See Pagination.
filter[orgId]	string	(empty)	Optional. Filters the results by the specified org id.
filter[customerId]	string	(empty)	Optional. Filters the results by the specified customer id.
filter[accountId]	string	(empty)	Optional. Filters the results by the specified account id.
filter[applicationId]	string	(empty)	Optional. Filters the results by the specified application id.
filter[bankId]	string	(empty)	Optional. Filters the results by the specified bank id.
filter[decision]	string	(empty)	Optional. Filters the results by the specified decision (one of `Approved` or `Denied`).
filter[evaluationType]	string	(empty)	Optional. Filters the results by the specified evaluation type (one of `CreditLimit` or `CreditApplication`).

curl -X GET 'https://api.s.unit.sh/credit-decisions?page[limit]=20&page[offset]=10' \
-H "Authorization: Bearer ${TOKEN}"

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	Array of CreditDecisions	Array of credit-decisions resources.

Example Response:
{
  "data": [
    {
      "type": "deniedCreditLimitDecision",
      "id": "1",
      "attributes": {
        "createdAt": "2023-07-04T15:21:11.688Z",
        "externalApplicationId": "A1234",
        "evaluationType": "CreditLimit",
        "submissionTimestamp": "2023-09-19T09:10:09.206Z",
        "decisionTimestamp": "2023-09-19T09:10:09.206Z",
        "decision": "Denied",
        "policyException": true,
        "policyExceptionReason": "Executive approval",
        "additionalUnderwritingData": {
          "someKey1": "someValue1",
          "someKey2": "someValue2",
          "someKey3": "someValue3"
        },
        "decisionReason": "this is a decline reason",
        "adverseActionReasons": [
          "adverse action reason 1",
          "adverse action reason 2"
        ]
      },
      "relationships": {
        "customer": {
          "data": {
            "type": "customer",
            "id": "10000"
          }
        },
        "account": {
          "data": {
            "type": "account",
            "id": "10005"
          }
        }
      }
    },
    {
      "type": "deniedCreditApplicationDecision",
      "id": "1",
      "attributes": {
        "createdAt": "2023-07-04T15:21:11.688Z",
        "externalApplicationId": "A1234",
        "evaluationType": "CreditApplication",
        "submissionTimestamp": "2023-09-19T09:10:09.206Z",
        "decisionTimestamp": "2023-09-19T09:10:09.206Z",
        "decision": "Denied",
        "policyException": true,
        "policyExceptionReason": "Executive approval",
        "additionalUnderwritingData": {
          "someKey1": "someValue1",
          "someKey2": "someValue2",
          "someKey3": "someValue3"
        },
        "decisionReason": "this is a decline reason",
        "adverseActionReasons": [
          "adverse action reason 1",
          "adverse action reason 2"
        ]
      },
      "relationships": {
        "application": {
          "data": {
            "type": "application",
            "id": "10005"
          }
        }
      }
    }
  ]
}

Credit Decisions

Approved Decision Attributes​

Denied Decision Attributes​

Create Manual Review Credit Application Decision​

Attributes​

Relationships​

Response​

201 Created​

Create Denied Credit Application Decision​

Attributes​

Relationships​

Response​

201 Created​

Create Manual Review Credit Limit Decision​

Attributes​

Relationships​

Response​

201 Created​

Create Approved Credit Limit Decision​

Attributes​

Relationships​

Response​

201 Created​

Create Denied Credit Limit Decision​

Attributes​

Relationships​

Response​

201 Created​

Get by Id​

Response​

200 OK​

List​

Query Parameters​

Response​

200 OK​

Approved Decision Attributes

Denied Decision Attributes

Create Manual Review Credit Application Decision

Attributes

Relationships

Response

201 Created

Create Denied Credit Application Decision

Attributes

Relationships

Response

201 Created

Create Manual Review Credit Limit Decision

Attributes

Relationships

Response

201 Created

Create Approved Credit Limit Decision

Attributes

Relationships

Response

201 Created

Create Denied Credit Limit Decision

Attributes

Relationships

Response

201 Created

Get by Id

Response

200 OK

List

Query Parameters

Response

200 OK