Template · 4 min

Exception Memo Template

A short, repeatable format for credit-policy exceptions — what the standard is, why this case warrants deviation, who authorized the override.

For: Loan reviewers and credit committee members

Section 1 of 1

What this memo captures

This template is structured. The working copy is being finalized by our subject-matter editors — directionally accurate today, refined shortly.

The credit-policy standard at issue.
The applicant-specific facts that justify deviation.
The compensating factors that reduce residual risk.
The authority level required for this override, and who signed.

Lending Playbook

The artifact is the start. The course is where it sticks.

Use this template, then walk through the practice loop in the AiBI-Foundation course — the same prompts, with reviewed work you can take to your team.

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