1
Platform Overview
What CF360 is, who built it, and what it covers
12
Objects
27+
Flows
10
Currencies
17
Roles
3
Approval Processes
8
Validation Rules
11
Countries
7
Layers
| Property | Value |
|---|---|
| Platform | Salesforce Developer Edition — 100% declarative, no Apex code |
| Architecture Pattern | nCino-inspired — central deal object (Financing Package), stage-gated workflows, multi-level approval |
| Org ID | 00DNS00000r86g1 |
| Instance | IND56 |
| Market | BCEAO (West Africa) + CEMAC (Central Africa) + 5 expansion markets |
| Regulatory Framework | BCEAO/CEMAC AML compliance, single-borrower exposure limits, covenant reporting |
| Active Users | 5 — Therence Ngoa (Admin), Kwame Asante (CRO), Fatima Diallo (CFO), Ngozi Adeyemi (SCO), Wanjiru Kamau (Credit Officer) |
| Built by | Therence Ngoa — System Owner & Executive Administrator |
2
7-Layer Architecture
Full platform stack from data foundation to mobile experience
L7
Mobile & Advanced
Covenant Breach Alert · Loan Maturity Warning (daily 6AM) · Portfolio Health Score (weekly Mon 7AM)
● Active
L6
Integrations
SMS Approval Notification · Document Request Notification · Credit Bureau Risk Update · Regulatory Audit Log
● Active (Simulated)
L5
Experience Cloud
Document Upload Flow · Loan Status Check Flow · 6 portal pages designed · Awaiting Community Plus license
◑ Partial
L4
Reporting & Analytics
10 Reports · 4 Dashboards (Portfolio, Credit, Compliance, Regulator) · 5 Custom Report Types · 4 List Views
● Active
L3
Credit Governance
8 Validation Rules · Exposure Rollup · Doc Checklist Gate · Covenant Monitoring · Credit Exceptions · Audit Logs
● Active
L2
Decision & Automation Engine
27+ Flows · Risk Score Formula (5 dimensions, 100pts) · 3 Approval Processes · Task Creation · Currency Cascade
● Active
L1
Data Foundation
12 Objects · 180+ Fields · 17 Roles · 13 Permission Sets · 16 Permission Set Groups · 10 Currencies · 5 Active Users
● Active
3
Object Inventory
12 objects — Financing Package is the central hub connecting all credit data
Account
Borrower master. KYC status, risk level, alternative credit scoring, group lending, currency, exposure tracking.
64 fields · Standard
Opportunity (Loan Request)
8 lending-specific stages. Gate rules enforce Amount and KYC. Auto-creates Financing Package on Approved.
28 fields · Standard
Financing Package
Central deal hub. Links all credit objects. Contains 5-dimension Risk Score formula and drives approval routing.
19 fields · Custom
Credit Facility
Loan product. Type, amount, rate (34-value dependent picklist), repayment schedule, maturity, outstanding balance.
15 fields · Custom
Borrowing Structure
Multi-party lending. Maps Primary Borrower, Co-Borrower, Guarantor, and Sponsor roles to a single deal.
11 fields · Custom
Collateral
Security pledged. LTV% auto-calculated. Tracks lien position, valuation date, and status. Currency auto-set.
16 fields · Custom
Covenant
Compliance conditions. Real-time breach detection on every save. Daily scheduled monitoring. Breach date required.
15 fields · Custom
Loan Document
Document checklist. 38 document types, field dependency on Loan Type. Doc Gate blocks stage until Required docs approved.
18 fields · Custom
Credit Memo
7-section formal credit write-up. Locks on submission. Routes through 3-level approval process.
14 fields · Custom
Credit Exception
Policy override governance. Written justification required. Formal approval. Permanently logged. 5 exception types.
14 fields · Custom
Credit Committee Meeting
Formal voting record. Vote counts, quorum tracking. Approval Percentage auto-calculates. Committee Deal Stamp flow.
13 fields · Custom
Audit Log
Immutable change log. Every stage change, breach, exception, document event — who, what, when, old and new value.
13 fields · Custom
4
Flow Inventory
27+ flows organized by category — all active in Developer Edition org
Stage Gate Flows (3) — Block invalid stage transitions
Block Underwriting Without Credit Facility V2Financing PackageStage = Underwriting
Block Credit Review Without Credit Memo V2Financing PackageStage = Credit Review
Doc Checklist Gate V1Financing PackageBefore Save
Task Creation Flows (3) — Auto-create work assignments
Create Underwriting Tasks V2Financing PackageStage = Underwriting
Create Credit Review Tasks V2Financing PackageStage = Credit Review
Create Approval Tasks V1Financing PackageStage = Approved
Currency Cascade Flows (5) — Zero manual currency selection
Set Account Currency from Primary Market V1AccountPrimary Market changed
Set Opportunity Currency from Account V1OpportunityRecord Created
Create Financing Package from Approved Opportunity V1OpportunityStage = Approved
Set Credit Facility Currency from Financing Package V1Credit FacilityRecord Created
Set Collateral Currency from Financing Package V1CollateralRecord Created
Exposure & Covenant Flows (6) — Governance monitoring
Exposure Rollup to Account V2Financing PackageCreated or Updated
Exposure Rollup on Package Delete V1Financing PackageBefore Delete
Covenant Real Time Breach Check V1CovenantBefore Save · auto-sets Status
Covenant Breach Monitor V1CovenantScheduled · Daily 2AM
Overdue Covenant Alert V1CovenantScheduled · Daily 6AM
Expiring Document Alert V1Loan DocumentScheduled · Daily 6AM
Audit Log Flows (5) — Immutable change tracking
Audit Log Stage Change Flow V1Financing PackageStage changed
Audit Log Exception Status Change V1Credit ExceptionStatus changed
Audit Log Covenant Status Change V1CovenantStatus changed
Audit Log Document Status Change V1Loan DocumentStatus changed
CF360 Regulatory Audit Log Flow V1Financing PackageStage = Booked
Integration & Notification Flows (4) — Production-ready logic
CF360 SMS Approval Notification Flow V1Financing PackageStage = Approved
CF360 Document Request Notification FlowLoan DocumentStatus = Required
CF360 Credit Bureau Risk Profile Update V1Financing PackageStage = Credit Review
Committee Deal Stamp Flow V1Credit CommitteeResolution set
Layer 7 — Advanced Monitoring Flows (3)
CF360 Covenant Breach Alert FlowCovenantStatus = Breached
CF360 Loan Maturity Warning FlowCredit FacilityScheduled · Daily 6AM
CF360 Portfolio Health Score FlowFinancing PackageScheduled · Weekly Mon 7AM
Experience Cloud Screen Flows (2) — Layer 5
CF360 Document Upload FlowExperience Cloud PortalScreen Flow · 3 screens
CF360 Loan Status Check FlowExperience Cloud PortalScreen Flow · 2 screens
5
Approval Processes
3 processes with automatic routing based on deal size and committee flag
Financing Package Approval — 3-Level Routing
Entry: Stage = Credit ReviewLEVEL 1
Ngozi Adeyemi
Senior Credit Officer
≤ $500,000
Committee = False
Committee = False
→
LEVEL 2
Kwame Asante
Chief Risk Officer
$500K – $2M
Committee = False
Committee = False
→
LEVEL 3
Fatima Diallo
Chief Financial Officer
> $2M or
Committee = True
Committee = True
Committee Deal = True bypasses Levels 1 and 2 and routes directly to Level 3 regardless of amount.
Credit Memo Approval — 3 Levels
Entry: Memo Status = Submitted → Locks memoSUBMIT
Credit Officer
Submits memo
Memo locks
→
LEVEL 1
Credit Officer
Assigned approver
→
LEVEL 2
Ngozi Adeyemi
Senior Credit Officer
→
LEVEL 3
Fatima Diallo
Chief Financial Officer
Credit Exception Approval — Single Level
Entry: Status = Draft → Submit for ApprovalRAISE
Credit Officer
Written justification
→
SINGLE LEVEL
Therence Ngoa
System Administrator
All exception types
→
APPROVED
Exception flag set
Auto-checks Exposure_
Exception_Approved__c
Exception_Approved__c
6
Validation Rules
8 rules enforcing BCEAO/CEMAC compliance and data integrity
Rule Name
Object
Why It Exists
Require Tax ID when KYC = Verified
Account
BCEAO/CEMAC AML — no identity verification without official Tax ID on file
Exposure Limit Breach Check
Financing Package
Single-borrower concentration risk rule — blocks exceeding Max Exposure Limit unless exception approved
Require Total Amount
Financing Package
Prevents incomplete deal records entering the approval workflow
Require Approval Date when Approved
Financing Package
Every approved deal must have a formal approval date for audit purposes
Require Expiry Date when Approved
Financing Package
Defines the commitment window — deals cannot be open-ended
Require Opportunity when Approved
Financing Package
Ensures every deal traces back to its original loan request
Require Breach Date when Breached
Covenant
Breach date required for BCEAO/CEMAC covenant regulatory reporting
Outstanding Balance ≤ Loan Amount
Credit Facility
Prevents data entry errors that would overstate borrower exposure
7
Currencies & Markets
10 active currencies · 11 countries · full cascade automation
USD
U.S. Dollar
1.00 · 2 decimals · Corporate / international
XOF
CFA Franc BCEAO
564 · 0 decimals · Senegal, Ivory Coast, Mali, Burkina Faso
XAF
CFA Franc BEAC
600 · 0 decimals · Cameroon, Congo, Gabon, Chad
NGN
Nigerian Naira
1,370 · 2 decimals · Nigeria
GHS
Ghanaian Cedi
11.40 · 2 decimals · Ghana
LRD
Liberian Dollar
183 · 2 decimals · Liberia
KES
Kenyan Shilling
129 · 2 decimals · Kenya
RWF
Rwandan Franc
1,400 · 0 decimals · Rwanda
CDF
Franc Congolais
2,800 · 2 decimals · Congo (DRC)
EUR
Euro
0.92 · 2 decimals · France / international
Currency Cascade — 5-Flow Chain
Zero manual selectionAccount
Primary Market set
→
Opportunity
On creation
→
Financing Package
On Opp. Approved
→
Credit Facility
On creation
→
Collateral
On creation
8
Roles & Permissions
17 roles · 13 permission sets · 16 permission set groups
| Role | Key Capability | Approves | Cannot |
|---|---|---|---|
| System Administrator (Therence Ngoa) | Full access to all 12 objects. Manage users, flows, approval processes. | All Credit Exceptions | Nothing |
| Chief Financial Officer (Fatima Diallo) | Approve FP at Level 3. View full portfolio. Portfolio Manager Dashboard. | FP Level 3 (>$2M or Committee) | Create/edit lending records |
| Chief Risk Officer (Kwame Asante) | Approve FP at Level 2. Full view of all objects. Run all reports. | FP Level 2 ($500K–$2M) | Delete Accounts. No Setup. |
| Senior Credit Officer (Ngozi Adeyemi) | Approve Credit Memos. Full edit on all lending objects. | FP Level 1 (≤$500K) | Approve FP above Level 2 |
| Credit Officer (Wanjiru Kamau) | Create FP, Memo, Facility, Collateral, Covenant, Documents. Submit memos. | Nothing — submits only | Approve own memos |
| Relationship Manager | Create/edit Accounts and Opportunities. Create FP in Draft/Prospect. | Nothing | Advance FP beyond Proposal. Write Credit Memos. |
| Compliance Officer | Set KYC Status. Verify/reject documents. Compliance Dashboard. | Nothing | Create/approve FP. Write Credit Memos. |
| Portfolio Manager | Monitor all FPs and Credit Facilities. Portfolio Dashboard. | Nothing | Create new deals. Approve. |
| Internal Auditor | Read-only access to all 12 objects. View Audit Logs. | Nothing | Create, edit, or delete any record |
| Regulator View | KYC status, covenant compliance, doc completeness, audit trail only. | Nothing | See Risk Scores, financial amounts, Credit Memo content |
| Operations Officer | Record disbursements. Update Disbursement Date and Outstanding Balance. | Nothing | Create FP. Write Credit Memos. |
| Field Agent | Collect borrower info in field. Create/update Accounts. Upload documents. | Nothing | Approve or submit anything. See Risk Scores. |
9
Layer 3 → Layer 7 Breach Detection Chain
How covenant breach detection and escalation work together
Complete breach detection chain — 9 steps
Covenant_Status__c is the connectorCredit Officer updates Actual Value
Covenant record · Actual_Value__c edited during quarterly review
Covenant Real Time Breach Check V1 fires Layer 3
Before-save flow · compares Actual vs Threshold · auto-sets Status = Breached or Compliant
Validation rule fires Layer 3
Require_Breach_Date_When_Breached · blocks save if Breach_Date__c is empty
Record saves · Covenant_Status__c = Breached
Shared connector field — Layer 3 writes to it · Layer 7 reads from it · this is the decoupling point
Audit Log Covenant Status Change V1 fires Layer 3
Immutable record created · old value = Compliant · new value = Breached · timestamp + triggered by
CF360 Covenant Breach Alert Flow fires Layer 7
After-save · detects Status = Breached · creates high-priority Task + sends email to Financing Package owner
Covenant Breach Monitor V1 · 2:00 AM Layer 3
Daily scheduled scan · stamps Breach Date on any Breached covenant missing it · safety net
Overdue Covenant Alert V1 · 6:00 AM Layer 3
Daily scheduled · sends follow-up alert if Next Review Date is past due and breach unresolved
Portfolio Health Score Flow · Monday 7:00 AM Layer 7
Weekly scan · flags the deal as a portfolio risk signal · included in Monday morning health summary
10
Risk Score Formula
5 dimensions · 100 points · auto-calculates on every save · drives approval routing
| Dimension | Max Points | Scoring Logic | Note |
|---|---|---|---|
| KYC Status | 20 pts | Verified=20 · Exempt=15 · Pending=8 · Failed=0 | Reduced from 25pts in V1 |
| Risk Level | 30 pts | Low=30 · Medium=20 · High=10 · Very High=0 | Highest weight — set by Credit Officer |
| Sector | 15 pts | Treasury=15 · Trade & Commerce=12 · Agriculture=10 · Informal/Microfinance=6 · Other=3 | Values renamed May 2026 |
| Deal Size | 15 pts | ≤$10K=15 · ≤$50K=12 · ≤$100K=8 · >$100K=4 | Based on Total Amount field |
| Customer Type | 20 pts | Government=20 · Financial Institution=18 · Corporate=16 · Cooperative=14 · SME=12 · Business=10 · Individual=8 · Microfinance=6 | NEW — added May 2026 |
| Total | 100 pts | 80–100: Excellent · 60–79: Good · 40–59: Moderate · 20–39: High Risk · 0–19: Very High Risk | Higher score = lower risk |
Suggested Risk Level Formula — Alternative Credit Scoring
Read-only · auto-calculates · informal sector borrowers| Input Combination | Suggested Output |
|---|---|
| Mobile Money = High + Utility = Excellent + Market Member = ✓ | Suggested: LOW RISK |
| Mobile Money = High + Utility = Good + Market Member = ✗ | Suggested: LOW-MEDIUM RISK |
| Mobile Money = Medium + Utility = Fair + Any | Suggested: MEDIUM RISK |
| Mobile Money = Low + Any + Any | Suggested: HIGH RISK |
| Mobile Money = None + Utility = No History + Any | Suggested: VERY HIGH RISK |
| Informal Sector = unchecked (formal borrower) | N/A — Use Risk Level field |
Credit Officer reads the suggestion and sets the official Risk Level based on professional judgment. The suggestion is read-only and never feeds directly into the Risk Score.