Commercial Loan Origination & Underwriting — impact tolerance ≤ 5 business days — ITOL

Impact tolerance: ≤ 5 business days — pipeline stall causing missed committed close dates or breach of loan-commitment letter timing (illustrative default — trace the derivation, then replace with your own harm analysis)

Definition: Commercial credit origination — pipeline management, credit analysis, approval workflow, documentation, and commitment funding for commercial and CRE credits.

Why it is designated: Commercial origination has longer natural cycles than retail, but committed close dates carry contractual and reputational exposure with sophisticated borrowers. Loss of the platform stalls the bank's main source of new commercial business and strains its referral network.