Credit manager
Finance director
Risk analyst
Accounts receivable manager
Commercial lending officer
Treasury operations lead
When extending trade credit to new or existing customers. When credit terms are requested that exceed standard policies. When credit risk indicators change and existing terms require reassessment. Ideal for financial services, wholesale distribution, manufacturing, and B2B commerce.
Sales or account teams initiate credit requests on behalf of customers. Credit analysts gather and evaluate financial data. Underwriters assess risk and recommend terms. Credit managers or committees authorize final decisions. Finance teams implement approved terms in billing systems.
Faster credit decisions by routing applications through structured review paths with complete documentation Consistent risk assessment applying standardized criteria across all credit requests Reduced bad debt exposure through thorough evaluation and appropriate credit limits Clear accountability for every credit decision with full audit trail
Your version of this process may vary based on roles, systems, data, and approval paths. Moxo's flow builder can be configured with AI agents, conditional branching, dynamic data references, and sophisticated logic to match how your organization runs this workflow. The steps below illustrate one example.
Credit application intake
The process begins when a credit application is submitted, either by a customer directly or by a sales representative on behalf of a customer. An AI agent may validate completeness, check for missing documentation, and pull preliminary data from credit bureaus or internal systems.
Documentation gathering
Required documents such as financial statements, bank references, and trade references are collected. The workflow tracks outstanding requests and sends reminders when documents are overdue. External stakeholders can submit materials directly within the process.
Credit analysis
Credit analysts review financial data, calculate key ratios, and assess payment history. AI agents may summarize findings or flag anomalies for attention. The analyst documents their assessment and recommends credit terms or flags concerns for further review.
Underwriting and decision
Based on the analysis, an underwriter or credit manager reviews the recommendation. If the requested credit exceeds defined thresholds, the request is escalated to senior decision-makers or a credit committee. The decision to approve, modify terms, or decline is recorded with supporting rationale.
Implementation and notification
Approved credit terms are communicated to the applicant and implementing teams. System updates to ERP or billing platforms may be triggered automatically. The complete credit file, including all documents and decisions, is preserved in the workflow record.
This process relies on credit applications, financial statements, credit bureau reports, bank and trade references, and internal payment history. Triggers include customer requests, sales submissions, or system events from CRM platforms like Salesforce. Integration with credit bureaus, ERP systems like NetSuite or SAP, and accounting platforms ensures comprehensive data access.
Key decision points include determining whether documentation is sufficient to proceed, whether the applicant meets minimum credit criteria, what credit limit and terms to authorize, and whether escalation to a credit committee is required.
Incomplete applications causing delays in analysis. Inconsistent credit criteria applied by different analysts. Bottlenecks at the credit committee when requests queue without prioritization. Approved terms not communicated to billing systems, causing invoicing errors.
Orchestrates credit workflows across analysts, underwriters, and decision-makers with clear handoffs
AI agents validate application completeness and flag missing documentation before analysis begins
Routes requests to appropriate authority levels based on credit amount and risk thresholds
Maintains complete credit files including all documents, analyses, and decisions for audit and compliance
