Hold a loan approval until the lender’s rules agree

C#: approve through GovernAsync

veriproof is one client from Veriproof.FromEnvironment(), and reviews comes from ReviewsAsync. The Profile names a review form set up in the portal.

C# · Veriproof.Sdk.Core

using Veriproof.Sdk.Core;

var result = await veriproof.GovernAsync(
    "loan.approve",
    loanFile,
    (context, cancellationToken) =>
        los.ApproveAsync(context.Input, context.IdempotencyKey, cancellationToken),
    new GovernOptions
    {
        Facts = new Dictionary<string, object?>
        {
            ["credit_score"] = loanFile.CreditScore,
            ["loan_amount"] = terms.LoanAmount,
            ["ltv_ratio"] = terms.LtvRatio,
            ["monthly_dti"] = terms.MonthlyDti,
            ["loan_purpose"] = loanFile.LoanPurpose,
            ["occupancy_type"] = loanFile.OccupancyType,
            ["undisclosed_gift_funds"] = findings.UndisclosedGiftFunds,
            ["undisclosed_seller_concessions"] = findings.UndisclosedSellerConcessions,
        },
        Review = new GovernReviewOptions
        {
            Profile = "loan-approval-review",
            ProposedActionSummary = "Approve the loan on the terms shown.",
        },
    });

await reviews.SaveIfRequiredAsync(result);

SaveIfRequiredAsync stores the checkpoint only when a rule asked for review. When the underwriter answers, a worker calls ResumeAsync and the approval runs with their response attached.

Why C# here: Many loan origination platforms and their extensions run on .NET, so the check lives next to the code that updates the file.

What happens to the approval

These three borrowers are the simulator’s sample files. Run loan simulator

1. Allowed

   When: Jordan’s file clears the lender’s rules.

   Your code: ApproveAsync runs, and the decision is recorded with the rule version that allowed it.

   Who picks it up: The Business Owner sees approvals moving. Auditors read the record inside an engagement.

2. Sent to a person

   When: Morgan’s debt share is above the automatic approval limit.

   Your code: The approval waits. The underwriter gets the loan figures and the choices available to them.

   Who picks it up: The named underwriter, in the VeriProof Inbox, by email, or in Slack or Microsoft Teams, with reminders and escalation.

3. Stopped

   When: Taylor’s credit score is below the lender’s minimum of 680, and the agent proposed approval anyway.

   Your code: The status is Blocked. ApproveAsync never runs, and the file stays where it was.

   Who picks it up: The Governance Engineer sees the rule and version that stopped it.

Changes to the lender’s rules