Lending work is most impactful when time and expertise are focused on decisions truly requiring judgment. This session explores how financial institutions can intentionally tailor lending approaches to different levels of loan complexity, using data-driven automation to handle routine, non–value–add tasks and allowing teams to concentrate on higher-value analysis and risk assessment. We will discuss how to define levels of complexity, design workflows to reduce manual effort, and apply data and automation to improve consistency and turnaround time. Attendees will gain practical insight into improving the quality of lending work, enhancing efficiency, and ensuring expertise is applied where it delivers the greatest value to both the institution and its customers.