graph TD

DDT[DD Team<br/>First point of contact,<br/>Initial processing] --> ZM[ZM<br/>Evaluates and Approves/Rejects]
ZM --> RBM[RBM<br/>Reviews ZM-approved applications,<br/>Makes final decisions]
RBM --> DDL[DDL<br/>Evaluates RBM-approved applications<br/>and Forwards to Finance]
DDL --> FDD[FDD Team<br/>Financial Due Diligence<br/>and Document Submission]
FDD --> NBH[NBH<br/>Final Review and Approval]
NBH --> Legal[Legal<br/>Handles Legal Documentation<br/>and Compliance]
Legal --> SuperAdmin[Super Admin<br/>Full Oversight and Management]