1. A method for managing workflow for an automated credit application system comprising the steps of: configuring a workflow, comprising the steps of: defining a plurality of workflow process steps, each said workflow process steps having an associated status, wherein said status can be complete or incomplete; associating one or more tests with each of said workflow process steps; relating one or more database elements with each of said tests; and linking one or more functions with each of said database elements; and processing a workflow, comprising the steps of: identifying an executed function; finding a set of potentially affected workflow process steps comprising all workflow process steps associated with said executed function; calculating the status of each workflow process step in said set of potentially affected workflow process steps; and determining a next step for each said workflow process step in said set of potentially affected workflow process steps, in which said status changes from incomplete to complete according to said calculating step.