Manual review rates and analysts needed
Enter applications a day, the share referred to manual review, minutes per review and your team’s productive review hours. See the analysts needed, the queue added each day and the referral rate your team can carry.
Analysts needed
At a referral rate of 18%, there are 360 reviews a day against a capacity of 240. That needs 12 analysts against 8 on the team, and the queue grows by 120 a day.
At a referral rate of 10%, there would be 200 reviews a day, which 7 analysts can work.
Analysts needed by referral rate
The line shows analysts needed as the referral rate rises, the filled dot marks today, the open dot marks the rate compared, and the dashed line marks the team.
Daily figures
| Reviews a day | 360 |
| Review hours needed | 72 |
| Reviews team can work | 240 |
| Utilisation | 150.0% |
| Analysts before rounding | 12 |
| Analysts needed | 12 |
| Queue added each day | 120 |
| Highest rate team can carry | 12.0% |
| Analysts needed at 10% referred | 7 |
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The next step is the referral rules themselves, with each change tested on past applications to see how many fewer reviews it creates and what it lets through. Start free
Show calculations
Reviews a day = Applications a day × Referral rate Reviews team can work = Analysts on team × Productive hours per analyst × 60 ÷ Minutes per review Utilisation = Reviews a day ÷ Reviews team can work Analysts before rounding = Reviews a day × Minutes per review ÷ 60 ÷ Productive hours per analyst (Analysts needed: Rounded up) Queue added each day = Reviews a day − Reviews team can work (When reviews exceed capacity) Highest rate team can carry = Reviews team can work ÷ Applications a day
These figures use one day’s averages and do not include peaks, absences or second reviews. A queue that grows each day means the wait for a decision grows with it.
Manual review rate and team capacity
The manual review rate is the share of applications referred for review. Enter applications a day, the referral rate, minutes per review, analysts and productive review hours to see the reviews and capacity.
The referral rate determines how many reviews reach the team, and capacity shows how many reviews the team can work each day. Compare a lower rate to see the analysts it needs and how the queue changes.
Common questions
What is a manual review rate?
It is the share of applications referred to manual review. Multiply applications a day by the referral rate to work out reviews a day.
How can a credit application process reduce its manual review rate?
This calculator compares the current referral rate with a lower rate and shows how reviews and analysts needed change. It does not change the referral rate.
How many analysts do we need for manual review?
Analysts needed depend on reviews a day, minutes per review and productive review hours per analyst. The calculator works out the number and rounds it up to a whole analyst.
How is referral rate used in credit decisioning?
The referral rate is the share of applications sent to manual review. The calculator uses it with applications a day to work out reviews a day.
How do I calculate manual review team capacity?
Multiply analysts by productive hours per analyst and by minutes in an hour, then divide by minutes per review. The result is the reviews the team can work each day.