<?xml version="1.0" encoding="UTF-8"?>
<bpmn:definitions
  xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL"
  targetNamespace="http://bpmn.io/schema/bpmn"
  id="Definitions_1" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:di="http://www.omg.org/spec/DD/20100524/DI">
  <bpmn:collaboration id="Collaboration_1">
    <bpmn:participant id="Participant_1" name="Loan Application Process" processRef="Process_1"/>
  </bpmn:collaboration>
  <bpmn:process id="Process_1" isExecutable="false">
    <bpmn:laneSet id="LaneSet_1">
      <bpmn:lane id="Lane_Applicant" name="Applicant">
        <bpmn:flowNodeRef>StartEvent_ApplicationSubmitted</bpmn:flowNodeRef>
      </bpmn:lane>
      <bpmn:lane id="Lane_System" name="System">
        <bpmn:flowNodeRef>Task_RunChecks</bpmn:flowNodeRef>
        <bpmn:flowNodeRef>Gateway_RiskBand</bpmn:flowNodeRef>
      </bpmn:lane>
      <bpmn:lane id="Lane_Underwriter" name="Underwriter">
        <bpmn:flowNodeRef>Task_UnderwriteApp</bpmn:flowNodeRef>
        <bpmn:flowNodeRef>Gateway_UnderwritingDecision</bpmn:flowNodeRef>
      </bpmn:lane>
      <bpmn:lane id="Lane_Operations" name="Operations">
        <bpmn:flowNodeRef>Task_DisburseFunds</bpmn:flowNodeRef>
        <bpmn:flowNodeRef>Task_NotifyApproval</bpmn:flowNodeRef>
        <bpmn:flowNodeRef>Task_NotifyDecline</bpmn:flowNodeRef>
        <bpmn:flowNodeRef>EndEvent_LoanDisbursed</bpmn:flowNodeRef>
        <bpmn:flowNodeRef>EndEvent_ApplicationDeclined</bpmn:flowNodeRef>
      </bpmn:lane>
    </bpmn:laneSet>
    <bpmn:startEvent id="StartEvent_ApplicationSubmitted" name="Application Submitted">
      <bpmn:messageEventDefinition id="MsgDef_ApplicationSubmitted"/>
    </bpmn:startEvent>
    <bpmn:serviceTask id="Task_RunChecks" name="Run Credit &amp; Affordability Checks"/>
    <bpmn:exclusiveGateway id="Gateway_RiskBand" name="Risk Band?" gatewayDirection="Diverging"/>
    <bpmn:userTask id="Task_UnderwriteApp" name="Underwrite Application"/>
    <bpmn:exclusiveGateway id="Gateway_UnderwritingDecision" name="Underwriting Decision" gatewayDirection="Diverging"/>
    <bpmn:serviceTask id="Task_DisburseFunds" name="Disburse Funds"/>
    <bpmn:sendTask id="Task_NotifyApproval" name="Notify Approval"/>
    <bpmn:sendTask id="Task_NotifyDecline" name="Notify Decline"/>
    <bpmn:endEvent id="EndEvent_LoanDisbursed" name="Loan Disbursed"/>
    <bpmn:endEvent id="EndEvent_ApplicationDeclined" name="Application Declined"/>
    <bpmn:sequenceFlow id="Flow_01" sourceRef="StartEvent_ApplicationSubmitted" targetRef="Task_RunChecks"/>
    <bpmn:sequenceFlow id="Flow_02" sourceRef="Task_RunChecks" targetRef="Gateway_RiskBand"/>
    <bpmn:sequenceFlow id="Flow_03" sourceRef="Gateway_RiskBand" targetRef="Task_DisburseFunds" name="Low Risk"/>
    <bpmn:sequenceFlow id="Flow_04" sourceRef="Gateway_RiskBand" targetRef="Task_UnderwriteApp" name="Borderline"/>
    <bpmn:sequenceFlow id="Flow_05" sourceRef="Gateway_RiskBand" targetRef="Task_NotifyDecline" name="High Risk"/>
    <bpmn:sequenceFlow id="Flow_06" sourceRef="Task_UnderwriteApp" targetRef="Gateway_UnderwritingDecision"/>
    <bpmn:sequenceFlow id="Flow_07" sourceRef="Gateway_UnderwritingDecision" targetRef="Task_DisburseFunds" name="Approve"/>
    <bpmn:sequenceFlow id="Flow_08" sourceRef="Gateway_UnderwritingDecision" targetRef="Task_NotifyDecline" name="Decline"/>
    <bpmn:sequenceFlow id="Flow_09" sourceRef="Gateway_UnderwritingDecision" targetRef="Task_NotifyDecline" name="Refer"/>
    <bpmn:sequenceFlow id="Flow_10" sourceRef="Task_DisburseFunds" targetRef="Task_NotifyApproval"/>
    <bpmn:sequenceFlow id="Flow_11" sourceRef="Task_NotifyApproval" targetRef="EndEvent_LoanDisbursed"/>
    <bpmn:sequenceFlow id="Flow_12" sourceRef="Task_NotifyDecline" targetRef="EndEvent_ApplicationDeclined"/>
  </bpmn:process>
<bpmndi:BPMNDiagram id="BPMNDiagram_1">
  <bpmndi:BPMNPlane id="BPMNPlane_1" bpmnElement="Collaboration_1">
    <bpmndi:BPMNShape id="BPMNShape_Participant_1" bpmnElement="Participant_1" isHorizontal="true">
      <dc:Bounds x="0" y="0" width="1508" height="906"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Lane_Applicant" bpmnElement="Lane_Applicant" isHorizontal="true">
      <dc:Bounds x="30" y="0" width="1478" height="200"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Lane_System" bpmnElement="Lane_System" isHorizontal="true">
      <dc:Bounds x="30" y="200" width="1478" height="200"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Lane_Underwriter" bpmnElement="Lane_Underwriter" isHorizontal="true">
      <dc:Bounds x="30" y="400" width="1478" height="200"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Lane_Operations" bpmnElement="Lane_Operations" isHorizontal="true">
      <dc:Bounds x="30" y="600" width="1478" height="306"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Gateway_RiskBand" bpmnElement="Gateway_RiskBand">
      <dc:Bounds x="585" y="275" width="50" height="50"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Gateway_UnderwritingDecision" bpmnElement="Gateway_UnderwritingDecision">
      <dc:Bounds x="985" y="475" width="50" height="50"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_StartEvent_ApplicationSubmitted" bpmnElement="StartEvent_ApplicationSubmitted">
      <dc:Bounds x="192" y="82" width="36" height="36"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_EndEvent_LoanDisbursed" bpmnElement="EndEvent_LoanDisbursed">
      <dc:Bounds x="1192" y="753" width="36" height="36"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_EndEvent_ApplicationDeclined" bpmnElement="EndEvent_ApplicationDeclined">
      <dc:Bounds x="1392" y="753" width="36" height="36"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Task_UnderwriteApp" bpmnElement="Task_UnderwriteApp">
      <dc:Bounds x="760" y="460" width="100" height="80"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Task_RunChecks" bpmnElement="Task_RunChecks">
      <dc:Bounds x="360" y="260" width="100" height="80"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Task_DisburseFunds" bpmnElement="Task_DisburseFunds">
      <dc:Bounds x="760" y="676" width="100" height="80"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Task_NotifyApproval" bpmnElement="Task_NotifyApproval">
      <dc:Bounds x="960" y="731" width="100" height="80"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNShape id="BPMNShape_Task_NotifyDecline" bpmnElement="Task_NotifyDecline">
      <dc:Bounds x="760" y="786" width="100" height="80"/>
    </bpmndi:BPMNShape>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_01" bpmnElement="Flow_01">
      <di:waypoint x="210" y="118"/>
      <di:waypoint x="210" y="300"/>
      <di:waypoint x="360" y="300"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_02" bpmnElement="Flow_02">
      <di:waypoint x="460" y="300"/>
      <di:waypoint x="585" y="300"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_03" bpmnElement="Flow_03">
      <di:waypoint x="610" y="325"/>
      <di:waypoint x="610" y="716"/>
      <di:waypoint x="760" y="716"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_04" bpmnElement="Flow_04">
      <di:waypoint x="610" y="325"/>
      <di:waypoint x="610" y="500"/>
      <di:waypoint x="760" y="500"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_05" bpmnElement="Flow_05">
      <di:waypoint x="610" y="325"/>
      <di:waypoint x="610" y="826"/>
      <di:waypoint x="760" y="826"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_06" bpmnElement="Flow_06">
      <di:waypoint x="860" y="500"/>
      <di:waypoint x="985" y="500"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_07" bpmnElement="Flow_07">
      <di:waypoint x="1010" y="525"/>
      <di:waypoint x="1010" y="716"/>
      <di:waypoint x="860" y="716"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_08" bpmnElement="Flow_08">
      <di:waypoint x="1010" y="525"/>
      <di:waypoint x="1010" y="550"/>
      <di:waypoint x="1110" y="550"/>
      <di:waypoint x="1110" y="886"/>
      <di:waypoint x="810" y="886"/>
      <di:waypoint x="810" y="866"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_09" bpmnElement="Flow_09">
      <di:waypoint x="1010" y="525"/>
      <di:waypoint x="1010" y="550"/>
      <di:waypoint x="1110" y="550"/>
      <di:waypoint x="1110" y="886"/>
      <di:waypoint x="810" y="886"/>
      <di:waypoint x="810" y="866"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_10" bpmnElement="Flow_10">
      <di:waypoint x="860" y="716"/>
      <di:waypoint x="910" y="716"/>
      <di:waypoint x="910" y="771"/>
      <di:waypoint x="960" y="771"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_11" bpmnElement="Flow_11">
      <di:waypoint x="1060" y="771"/>
      <di:waypoint x="1192" y="771"/>
    </bpmndi:BPMNEdge>
    <bpmndi:BPMNEdge id="BPMNEdge_Flow_12" bpmnElement="Flow_12">
      <di:waypoint x="810" y="786"/>
      <di:waypoint x="810" y="658"/>
      <di:waypoint x="1410" y="658"/>
      <di:waypoint x="1410" y="753"/>
    </bpmndi:BPMNEdge>
  </bpmndi:BPMNPlane>
</bpmndi:BPMNDiagram>
</bpmn:definitions>