Retail Lending — Digital Origination
Mohit Karki · customer CUST-10250 · submitted 2026-08-27T09:31:27+00:00 · demonstration path C (Human-in-the-loop referral)
Generated by the workflow. Advisory only — a lending decision remains with authorised credit staff.
Income and debt service reconcile: take-home 13,874 against 6,850 of debt service gives a 49.4% net-debt-service ratio and 7,024 of residual, which is materially more informative than the headline 32.9% DTI. Documentation has been cooperative and the income figures tie out. But the file contains no housing cost, no dependent count and no other fixed non-debt obligation line anywhere, so the 7,024 residual is an unallocated number rather than a verified cushion — it could support the loan comfortably or be substantially consumed before debt service is reached, and the file gives no basis to choose between those. Three credit-behaviour questions also remain genuinely open (delinquency severity/ageing, the purpose of recent enquiries, and confirmation the role is permanent), and the memo's inference that a clean document trail earns benefit of the doubt on them does not follow — cooperation on document production speaks to income verification, not to delinquency severity or facility composition. Recommendation is approve subject to those three conditions plus a verified housing/living-expense line; the decision stands on the conditions returning clean, not on the residual figure as currently stated.
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