Fit Scoring Guide

Use this weighted model to assess pilot readiness consistently.

Dimension Weights and Scoring Anchors

Dimension	Weight	1 (Poor Fit)	3 (Moderate)	5 (Strong Fit)
Monthly loan onboarding volume	25%	<20 loans	20-100 loans	>100 loans
Document standardization	20%	Bespoke, fax-heavy, low standardization	Mix of standard and bespoke	Mostly APLMA/LMA, digital PDFs
LoanIQ/Finastra in use	15%	No clear LMS target	LMS present but non-standard integration path	LoanIQ active with clear ownership
Budget status	20%	No budget, exploratory only	Budget discussion underway	Approved pilot budget
Sponsor strength	10%	No sponsor	Mid-level champion	Executive sponsor (COO/CFO/CRO)
Timeline pressure	10%	No urgency	General efficiency mandate	Regulatory/migration/audit deadline

Composite Score Calculation

1. Score each dimension from 1 to 5.
2. Multiply each score by its weight.
3. Sum weighted scores for a composite out of 5.

Interpretation Bands

• <2.5: Not ready. Keep in nurture track.
• 2.5-3.5: Potential fit. Continue qualification and remove blockers.

• 3.5: Strong pilot candidate. Advance to scoped pilot brief.

Override Conditions

Apply overrides even if composite score is high:

• Hard stop override:
  • No permissible deployment model under bank policy.
  • No data residency path acceptable to IT/security.
  • No identifiable sponsor or owner for pilot execution.
• Timing override:
  • Budget cycle locked beyond 12 months.
  • Major competing transformation freezes new tooling.
• Positive acceleration override:
  • Active regulatory deadline tied to reporting controls.
  • Recent audit finding tied to onboarding/compliance workflow.