{
      "name": "credit-decisioning",
      "domain": "Bank Capital & Credit Risk",
      "title": "Credit Decisioning",
      "description": "PD/LGD/EAD modelling > Basel RWA calculation > RAROC pricing > covenant compliance check > facility structuring > composite credit mandate.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/credit-decisioning.html",
      "steps": [
        {
          "tool_id": "198-pd-lgd-ead-modeller",
          "handoff": "pd, lgd, ead values feed Stage 2 Basel RWA calculation"
        },
        {
          "tool_id": "201-basel-rwa-calculator",
          "handoff": "rwa_total and capital_requirement feed Stage 3 RAROC pricing"
        },
        {
          "tool_id": "437-raroc-loan-pricing",
          "handoff": "raroc and hurdle_rate feed Stage 4 covenant compliance"
        },
        {
          "tool_id": "199-financial-covenant-compliance-checker",
          "handoff": "covenant_status and breach_flags feed Stage 5 facility structuring"
        },
        {
          "tool_id": "435-credit-facility-structuring",
          "handoff": "Exports credit decisioning Policy Mandate -- final stage"
        }
      ]
    }