Checking for completeness of submitted documents

Purpose

 1.1. Automate the review and verification of all required documents submitted by loan applicants to ensure completeness prior to loan processing.
 1.2. Automates identification of missing or incomplete documents based on predefined checklists for each loan type and applicant profile.
 1.3. Automator cross-checks digital document submissions against agency policies, regulatory guidelines, and industry compliance rules to eliminate manual checking.
 1.4. Ensures loan processors only deal with applications that are fully documented, accelerating processing time and minimizing human oversight.

Trigger Conditions

 2.1. Applicant uploads documents through client portal or email.
 2.2. New document submission detected in cloud storage (e.g., Google Drive, SharePoint).
 2.3. New entry created in CRM or loan origination system signifying documentation event.
 2.4. Scheduled batch automation runs for documents not previously checked.
 2.5. Webhook or API call received indicating client document upload.

Platform Variants

 3.1. Microsoft Power Automate
  • Feature: Automated cloud flow "When a file is created in a folder"; configure connectors for SharePoint or OneDrive.
 3.2. Zapier
  • Feature: Trigger “New File in Folder” (Google Drive); Action: Filter and check using Formatter/Code step.
 3.3. AWS Lambda
  • Feature: Invoke on S3 file upload event; use Python/Node.js to run document completeness checks via API.
 3.4. Google Cloud Functions
  • Feature: Triggered by Cloud Storage upload; configure Node.js function to validate document set.
 3.5. MuleSoft
  • Feature: Flow triggered by HTTP Listener or File Connector; DataWeave script checks required files.
 3.6. UiPath
  • Feature: Robotic Process Automation (RPA) “Monitor Events” on folders; OCR and checklist workflow.
 3.7. Boomi
  • Feature: Event-based or scheduled integration process; Document Property Check connector.
 3.8. Tray.io
  • Feature: Scheduled or triggered workflow; loops through document list, automated API checks.
 3.9. Make (formerly Integromat)
  • Feature: Trigger “Watch Files”; use condition modules for automated completeness validations.
 3.10. DocuSign
  • Function: Envelope Status webhook; automate check if all required tags completed.
 3.11. Google Apps Script
  • Feature: Trigger “onFormSubmit”; Apps Script reviews folder for all mandatory documents.
 3.12. Salesforce Flow
  • Feature: Flow builder; triggers on new file insertion in CRM records, automating documentation logic.
 3.13. ServiceNow Flow Designer
  • Feature: Flow event trigger on document upload; automate checklists with Service Catalog Items.
 3.14. Smartsheet Automations
  • Feature: Automation rule “When attachment added”; automates row update or alert for missing files.
 3.15. Filevine
  • Feature: Workflow automation for document field changes; automated completeness auditing.
 3.16. Monday.com
  • Feature: Automation “When file uploaded”; use status columns to mark completeness automatedly.
 3.17. Notion API
  • Feature: Trigger via database change; integration checks related document properties.
 3.18. Laserfiche
  • Feature: Workflow “Incoming Document” trigger; automates document validation script.
 3.19. Box
  • Feature: Box Relay “When file uploaded”; automated workflow for sequential document checks.
 3.20. IBM Robotic Process Automation
  • Feature: File system watcher; configured script to automate checklist validation.
 3.21. Kofax TotalAgility
  • Feature: Automated capture workflow on document ingestion; automated checklist verification component.
 3.22. Workato
  • Feature: Triggered recipe “File uploaded”; automate checklist step using data logic.

Benefits

 4.1. Accelerates application turnaround by automating the detection of incomplete submissions.
 4.2. Prevents human error through consistent automated validations and checks.
 4.3. Automates escalation or reminders to applicants for missing documents.
 4.4. Reduces operational costs by reallocating manual review staff.
 4.5. Provides an audit trail for regulatory compliance through automation logs.
 4.6. Enhances customer experience by automating instant feedback on submission status.
 4.7. Enables continuous, non-stop processing via always-on automator workflows.
 4.8. Supports scalability as automation handles fluctuating document volumes.
 4.9. Enables integration with loan origination platforms and reduces friction in digital lending journeys.
 4.10. Delivers measurable efficiency improvements and supports industry best practices in lending process automation.