For the activities in this tutorial, in total 20 points can be obtained. This is an individual assessment. You can discuss your answers with each other and with tutors, but what you hand in must be completely yours. Submission must be in PDF. Activity 1: Discovery of a credit application process. (20p) As a process analyst working for a financial institution, you are engaged in a project that aims at improving the company's credit application process. The first step is to model the as-is process. You have interviewed a few representatives for three key roles participating in this process: Customer service, Corporate risk assessor and risk management. The relevant parts of the interview transcripts for each role are provided below. Customer service After I receive a credit application from the customer, I check if the application is complete. If the application is incomplete, I send a request for clarification to the customer. Once I receive this clarification, I check the application again for completeness. When I assess the application as complete, I pass it on to corporate risk assessor. I then prepare some further marketing material (e.g. a selection of investment options) for the customer. After that, I will eventually receive one of the following: (a) A notification of approval from the corporate risk assessor; (b) A notification of rejection from the corporate risk assessor; or (c) A request for clarification from the risk manager. In case (a), I send a credit approval together with the marketing material to the customer, after which the process is finished for me. In case (b), I send a credit rejection, after which the process is finished for me. In case (c), I send a request for clarification to the customer. After receiving the clarification, I pass it on to the risk manager. I will then receive again one of the three documents listed above. Corporate risk assessor When I receive a credit application from the customer service, I first check it. Afterwards, I send it to the risk manager, from whom I then receive either a notification of approval or a notification of rejection. In both cases, I forward the notification to the customer service, after which the process is finished for me. Risk manager After receiving a credit application from the corporate risk assessor, I check it for completeness. If it is not complete, I send a request for clarification to the customer service. After the customer service responds with a clarification, I check the credit application again. Once an application successfully passes the completeness check, I assess its content. There are three possible outcomes of this assessment: (a) The credit application satisfies our criteria for approval. In this case, I send a notification of approval to the corporate risk assessor. Then I formally authorize the credit in our IT systems, after which the process is finished for me. (b) The credit application does not satisfy our criteria for approval. In this case, I send a notification of rejection to the corporate risk assessor, after which the process is finished for me. (c) Some information in the application is unclear. In this case, I send a request for clarification to the customer service. After receiving the clarification, I assess the content of the credit application once again. This leads to one of the three outcomes listed here. Next, you took an active role in observing how this process works by acting as the customer. Using a fake identity (in agreement with the process owner), you triggered this process several times, and came up with the following observations. Customer In order to apply for credit, the customer needs to fill out a credit application and send it to the financial institution. They will eventually get a response, which can either be: (a) A credit approval with additional marketing material; or (b) A credit rejection; or (c) A request for clarification. In cases (a) and (b), the process is finished for the customer. In case (e), the customer can proceed by preparing a clarification and sending it to the financial institution. After that, they will get a response that may be one of the three types above. Using the information above, create a draft BPMN model of the as-is credit application process. This draft will then be validated with the people that have been interviewed, before sign-off by the process owner. Hint: you may need to resolve inconsistencies or fill gaps in the information above