From scrutiny to submission.
A scrutiny report tells you where the title stands. The credit committee needs more: the schedules, the List of Documents, the point-of-law analysis, and a formal opinion letter it can act on. LOD Flow is that last mile, and it is where most of the manual hours used to disappear.
What the workflow produces
Schedules and property description
Survey numbers, extents, boundaries and encumbrance schedules are pulled together from the scrutiny output. These are the tables a lender reads first, put into its own template.
List of Documents
The LOD is built from what the case actually holds: document type, registration details, dates, custody. No placeholder rows, nothing invented.
Point-of-law analysis
Each flagged issue is stated with the statute and judgment behind it: lis pendens, Section 53A, benami, succession. So the opinion reads as law, not as a hunch.
The opinion letter
A formal legal opinion in the bank’s format, with the findings pulled together and a clear title determination. Conditions for lending are set where queries remain, and it is ready for the reviewing advocate’s signature.
Works on any scrutiny
Take the output of the Automatic TSR, a Scanned Report, or a Manual Report as input, the workflow works regardless of where the findings came from.
Lender-shaped output
The pack is rendered in the lender’s own format, the same way the scrutiny report is, so submission is not a re-typing exercise.
The advocate signs
The opinion letter is prepared for sign-off by the reviewing advocate. The judgement is theirs; the assembly is ours.
The last mile, without the two days of formatting.
See a submission pack