Queue Portfolio
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Lane 1 · Needs me 6
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Assign to
MC M. Chen Analyst
DO D. Okafor Portfolio mgr
RV R. Vasquez Credit
? Unassigned pool
Acme Steel $3.2M · util 78% ▲ Breach
CV $310,000 ~12 min
AR
AR aging unverified — June package
Received Jul 19 · ar-aging-jun.xlsx
$2,412,900 ~8 min
Redwood Precision Components $3.4M · AR/INV Current
BB
BBC certificate drafted — 3 overrides awaiting review
Drafted 07:02 · availability −$118,200 vs prior
$2,891,400 ~6 min
DR — ~5 min
Business development
PT
New prospect — Meridian Foods Distribution
Referral · received Jul 22
$4,500,000 ~15 min
CS
Setup gate — Cardinal Packaging identity documents
Gate 1 of 4 · Identity
— ~10 min
Lane 2 · Approvals 5
DW
Draw request — Acme Steel
Requested Jul 22 · prepared by M. Chen
$2,480,000 ⚠ Thin headroom
RM
Remittance batch — Bluewater Foods
14 payments · lockbox Jul 22 · prepared by you
$412,806 Needs 2nd officer
BB
BBC override — Redwood Precision Components
Eligible ARJ. Riveraverified insurance certificate
+$182,400 ⚠ Override
PR
Proposal sign-off — Cardinal Packaging
$6.0M facility · term sheet + credit memo · submitted from Pipeline
$6,000,000 Pending
EX
Extraction review — Vantage Logistics AP aging
3 low-confidence cells · uploaded Jul 21
— Pending
Lane 3 · Machine did 4
SYS
Assembled draft BBC — Redwood Precision Components machine
07:02
SYS
Extracted 214 facts from Harbor Textiles June workbook — 98.4% above confidence floor machine
06:48
SYS
Ran nightly covenant checks — 22 facilities, 1 breach promoted to Lane 1 machine
05:30
SYS
Synced debtor master from latest agings — 3 new aliases grouped machine
04:15
Decide Draw request · Acme Steel · DRW-2214Remittance batch · Bluewater Foods
Requested
$2,480,000
Available
$2,612,400
Headroom
$132,400
⚠Post-draw utilization 95.0% — above 90% soft threshold§4.6
policy v18.3 · §4.6 soft threshold
Availability $2,612,400 less draw $2,480,000 leaves $132,400 — 95.0% drawn against the $3.2M line. Soft cap is 90%; approval is permitted with a recorded note.
Open covenant test
✗Self-approval blocked — you are the preparer§4.2
policy v18.3 · §4.2 dual control
You prepared this batch on Jul 23 at 06:41. A second approver with credit authority must record the decision.
View approval matrix
✓Within committed availabilitypolicy v18.3
borrowing base · certificate #287
Eligible AR $3,401,600 at an 85% advance rate gives $2,891,400, capped by the $3.2M committed line. Availability before this draw: $2,612,400.
Open borrowing base
✓Dual approval satisfied — maker M. Chen, checker you§4.2
audit · DRW-2214
Prepared by M. Chen Jul 22 08:14. Checker assigned to you Jul 22 08:15. No edits since preparation.
View audit trail
✓PDFdraw-request-2214.pdf
draw-request-2214.pdf · p.1 · 214 KB
Signed request for $2,480,000 from A. Rivera (AP), received Jul 22 07:58. Amount and account match the facility record.
Open document
✓BBCCertificate #287 · certified Jul 18
BBC #287 · certified Jul 18
Eligible AR $3,401,600 · ineligibles $612,300 · 3 overrides applied by M. Chen. Certified by client officer J. Tran.
Open certificate
⚠AIException analysis — concentration note
machine analysis · unverified
Summit Auto Group is 22.4% of eligible AR, above the 20% concentration cap in §3.8. Extracted from the June aging; not yet confirmed against the debtor master.
Review analysis
2 policy checks passed · 3 documents attached{{ chevChecks }}
Precedent — last 3 draws approved at 88–93% utilization{{ chevPrecedent }}
DrawAmountUtilizationDecision
Jun 18 $1,940,000 88.0% Approved
Apr 02 $2,150,000 91.2% Approved
Mar 11 $2,310,000 93.4% Approved
Feb 05 $2,600,000 97.0% Declinedunverified aging
This draw 95.0% — above every approval on record History
Message to client a.rivera@acmesteel.com · cc M. Chen
Counter at holds utilization at 90.0%
Sends as an email and logs to Machine did · client sees the amount and note only
✓ {{ escalatedText }}Approved — recorded to Machine did
Escalate to
D. OkaforSenior lender
Authority to $5M · typically same day
Credit committeeWeekly · Thu 10:00
Next session Jul 30 · funding would wait
Sends the draw, both policy exceptions and your internal note. The client is not notified.
Request info from client
Decline
Delete draft request
Concentration flags
Nothing above cap
No debtor exceeds its cap today.
Maturity wall→ Portfolio
Vantage LogisticsAug 30
Acme SteelOct 14
Harbor TextilesJan 12 '27
Bluewater FoodsMar 03 '27
Redwood PrecisionJun 22 '27
Reporting due→ workbench Docs
Acme Steel · June BBC package6d late
Harbor Textiles · Q2 financialsdue Fri
Bluewater Foods · weekly agingdue Mon
Vantage Logistics · insurance certdue Jul 30
Redwood Precision · July BBCdue Aug 5
DW
Draw request — Acme Steel
DRW-2214 · requested Jul 22
Requested
$2,480,000
Available
$2,612,400
Headroom
$132,400
⚠Post-draw utilization 95.0% — above 90% soft threshold§4.6
policy v18.3 · §4.6 soft threshold
Availability $2,612,400 less draw $2,480,000 leaves $132,400 — 95.0% drawn against the $3.2M line. Soft cap is 90%; approval is permitted with a recorded note.
Open covenant test
✗Self-approval blocked — you are the preparer§4.2
policy v18.3 · §4.2 dual control
You prepared this batch on Jul 23 at 06:41. A second approver with credit authority must record the decision.
View approval matrix
✓Within committed availabilitypolicy v18.3
borrowing base · certificate #287
Eligible AR $3,401,600 at an 85% advance rate gives $2,891,400, capped by the $3.2M committed line. Availability before this draw: $2,612,400.
Open borrowing base
✓Dual approval satisfied — maker M. Chen, checker you§4.2
audit · DRW-2214
Prepared by M. Chen Jul 22 08:14. Checker assigned to you Jul 22 08:15. No edits since preparation.
View audit trail
✓PDFdraw-request-2214.pdf
draw-request-2214.pdf · p.1 · 214 KB
Signed request for $2,480,000 from A. Rivera (AP), received Jul 22 07:58. Amount and account match the facility record.
Open document
✓BBCCertificate #287 · certified Jul 18
BBC #287 · certified Jul 18
Eligible AR $3,401,600 · ineligibles $612,300 · 3 overrides applied by M. Chen. Certified by client officer J. Tran.
Open certificate
⚠AIException analysis — concentration note
machine analysis · unverified
Summit Auto Group is 22.4% of eligible AR, above the 20% concentration cap in §3.8. Extracted from the June aging; not yet confirmed against the debtor master.
Review analysis
2 policy checks passed · 3 documents attached{{ chevChecks }}
Precedent — last 3 draws approved at 88–93% utilization{{ chevPrecedent }}
DrawAmountUtilizationDecision
Jun 18 $1,940,000 88.0% Approved
Apr 02 $2,150,000 91.2% Approved
Mar 11 $2,310,000 93.4% Approved
Feb 05 $2,600,000 97.0% Declinedunverified aging
This draw 95.0% — above every approval on record History
✓ {{ escalatedText }}Approved — recorded to Machine did
Escalate to
D. OkaforSenior lender
Authority to $5M · typically same day
Credit committeeWeekly · Thu 10:00
Next session Jul 30 · funding would wait
Sends the draw, both policy exceptions and your internal note. The client is not notified.
Request info from client
Decline
Delete draft request
{{ docTag }} {{ docName }} {{ docMeta }} DownloadView in document hubOpen client workbench
ACME STEEL CORPORATION
1420 Foundry Road · Toledo, OH 43605
Request for advance
FacilityRevolving credit · LM-0114
Request numberDRW-2214
Request dateJuly 22, 2026
Amount requested$2,480,000.00
Disbursement accountFifth Third ····4192
Availability per certificate #287$2,612,400.00
The undersigned certifies that no default or event of default exists under the credit agreement, and that the representations in §5 remain true as of the date of this request.
A. Rivera
Ana Rivera · Accounts Payable Manager
2026-07-22
Date
BORROWING BASE CERTIFICATE #287
Acme Steel Corporation · period ended June 30, 2026
Gross accounts receivable$4,013,900.00
Less: over 90 days($318,400.00)
Less: cross-aged($102,700.00)
Less: concentration over 20%($191,200.00)
Eligible accounts receivable$3,401,600.00
Advance rate85.0%
Availability$2,891,400.00
Committed line$3,200,000.00
Three ineligibility overrides were applied by M. Chen on July 18 and are itemized in the accompanying schedule.
J. Tran
Jenny Tran · Controller
2026-07-18
Date