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playbooks/lending/exception-memo-template

Exception Memo Template

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

Read the template Download Word file
exception-memo-template.mdTemplate · 4 min

Contents

  1. 01What this memo captures

For: Loan reviewers and credit committee members

PlaybooksLendingTemplate

01

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

Practice this in the course.

The AiBI-Foundation course walks through the same prompts, with reviewed work you can take to your team.

Start your Lending path Back to the playbook
Exception Memo Template — Lending Playbook — The AI Banking Institute