Confirm Loan Offer (Staff-Initiated)

Overview

Fetches the borrower's salary history from Remita, computes a DTI-based loan offer, and persists a Draft RemitaLoanRequest that can be tracked through the normal approval workflow. This is a staff-initiated operation that does not require a customer CIF — the loan request is created with CIF = "STAFF_REQUEST".

The computed loan offer uses 70% of the 3-month minimum salary average (i.e., the bottom 3 salary payments out of the full history) as a conservative, risk-adjusted offer amount.

Command Details

• Command: ConfirmLoanOfferByStaffCommand
• Type: Command (write operation)
• Route: POST /api/Remitta/confirmloanofferbystaff (or via the unified BPM endpoint)

API Endpoint

POST /api/bpm/cmd

Request Structure

Field	Type	Required	Description
$type	string	Yes	Must be ConfirmLoanOfferByStaffCommand
accountNumber	string	Yes	Borrower's bank account number
bankCode	string	Yes	CBN bank code for the borrower's bank
bvn	string	No	Borrower's Bank Verification Number
firstName	string	No	Borrower's first name
lastName	string	No	Borrower's last name
middleName	string	No	Borrower's middle name
phoneNumber	string	No	Borrower's mobile number
useMobileNumberForSearch	bool	No	Search by phone number instead of BVN (default: false)
authorisationChannel	string	No	Remita authorisation channel (default: "USSD")

Search strategy

Remita supports three lookup strategies (applied in this priority order):

1. Mobile number search — if useMobileNumberForSearch: true and phoneNumber is provided
2. BVN search — if bvn is provided (along with name and account details)
3. Account number search — fallback using accountNumber + bankCode only

Try It Out

POST/api/bpm/cmdConfirmLoanOfferByStaffCommand

Base URL

Bearer Token

Request Body

{ "cmd": "ConfirmLoanOfferByStaffCommand", "data": { "accountNumber": "0117086077", "bankCode": "058" } }

Minimal request

Only accountNumber and bankCode are required. Remita will look up the salary history using the account number alone. Provide bvn, firstName, lastName, and middleName for a more precise BVN-based lookup, or set useMobileNumberForSearch: true with a phoneNumber to search by mobile.

Full request example (BVN-based lookup)

POST/api/bpm/cmdConfirmLoanOfferByStaffCommand

Base URL

Bearer Token

Request Body

{ "cmd": "ConfirmLoanOfferByStaffCommand", "data": { "accountNumber": "0117086077", "bankCode": "058", "bvn": "22345678901", "firstName": "John", "lastName": "Doe", "middleName": "", "phoneNumber": "08012345678", "useMobileNumberForSearch": false, "authorisationChannel": "USSD" } }

Response Structure

Success:

{
  "isSuccessful": true,
  "statusCode": "00",
  "message": "Loan Offer retrieved successfully",
  "data": {
    "id": 42,
    "requestId": "1742641200000/1742641200000",
    "accountNumber": "0012345678",
    "bankCode": "058",
    "applicationDate": "2026-03-22",
    "customerName": "John Doe",
    "companyName": "Acme Corporation",
    "latestSalaryAverage": 450000.00,
    "latestSalaryMaximum": 480000.00,
    "latestSalaryMimumum": 420000.00,
    "computedLoanOffer": 294000.00,
    "installmentFeeRateDesc": "Loan Repayment",
    "salaryPaymentDetailsList": [
      {
        "paymentDate": "2026-02-25",
        "amount": 450000.00,
        "accountNumber": "0012345678",
        "bankCode": "058"
      },
      {
        "paymentDate": "2026-01-25",
        "amount": 480000.00,
        "accountNumber": "0012345678",
        "bankCode": "058"
      },
      {
        "paymentDate": "2025-12-25",
        "amount": 420000.00,
        "accountNumber": "0012345678",
        "bankCode": "058"
      }
    ],
    "loanHistoryDetails": []
  }
}

Salary history not found:

{
  "isSuccessful": false,
  "statusCode": "01",
  "message": "No salary history found for the provided account details."
}

How the Loan Offer is Computed

Step	Formula
Fetch salary history	Call Remita salary history API with provided account/BVN details
Sort payments	Order all salary payments ascending by amount
Take bottom 3	Use the 3 lowest payments as the conservative baseline
Compute baseline average	Average of those 3 payments
Apply DTI cap	Multiply by 70% to get the safe repayment-to-income ratio
Round to 2 decimal places	Final computedLoanOffer

note

latestSalaryMimumum (note: original Remita field name has a typo — "Mimumum") reflects the minimum salary payment across the full history, while computedLoanOffer uses the bottom-3 average for a more conservative offer.

Next Steps

After receiving a loan offer, continue the loan lifecycle:

1. Create Loan — Create a formal loan request using the offer details
2. Submit for Approval — Submit the Draft loan for review
3. Approve Loan — Approve the submitted loan request
4. Activate Mandate — Activate the Remita salary deduction mandate
5. Disburse Loan — Transfer funds to the borrower's account

Related Operations

• Get Salary History — Raw salary history lookup (read-only, no loan created)
• Create Loan — Create a loan request manually
• Get Payment History — View repayment history for an active loan