Meridian Bank

Retail Lending — Digital Origination

Application LOAN-2026-00131   CREDIT ASSESSMENT

Mohit Karki · customer CUST-10253 · submitted 2026-08-27T10:11:16+00:00 · demonstration path C (Human-in-the-loop referral)

$25,000 Requested 60 Months 4 Documents in 0 Outstanding

Assessment

Generated by the workflow. Advisory only — a lending decision remains with authorised credit staff.

82% AI confidence MEDIUM Risk level 742 Bureau score 32.9% Debt to income

Mohit Karki has requested 25,000 over 60 months against a declared monthly income of 20,800. The bureau reports a score of 742 (GOOD), with 3 active facility(ies) and existing obligations of 6,300 a month. Debt-to-income after the proposed EMI of 550 stands at 32.9%. Income evidence independently corroborates the declared income. Recommendation is advisory and subject to final policy checks; it is not an autonomous lending decision.

Documents

What we need, and what we have verified so far.

Social Security card — social-security-card.pdf
via email · verified
verified
Latest salary slip — salary-slip-july-2026.pdf
via email · verified
verified
Last 6 months bank statement — bank-statement-feb-jul-2026.pdf
via email · verified
verified
Address proof — address-proof-electricity-bill.pdf
via email · verified
verified

Submit documents

Upload through the portal, or send them to us by email — either channel feeds the same workflow.

Email lands in the bank's Outlook mailbox and is picked up by the ingestion workflow, which has to work out which application it belongs to.

Generated documents

Nothing generated yet.

Messages from Meridian Bank

No messages yet. The workflow writes here when it emails you.

Progress

Every step, as it happened.

  • 2026-08-27T10:14:36+00:00
    Teams Notified
    workflow · Microsoft Teams
    Loan application needs a credit decision
  • 2026-08-27T10:14:36+00:00
    Ai Assessment Generated
    workflow · Azure OpenAI · confidence 82
    APPROVE at 82% (risk MEDIUM)
  • 2026-08-27T10:13:00+00:00
    Credit Bureau Pulled
    workflow · Credit bureau
  • 2026-08-27T10:12:59+00:00
    Decisioning Requested
    workflow · Mantle
    loan-decision -> HTTP 202
  • 2026-08-27T10:12:59+00:00
    Ai Missing Information Assessed
    workflow · Azure OpenAI
  • 2026-08-27T10:12:55+00:00
    Documents Read
    workflow · Claude
    4 document(s) read
  • 2026-08-27T10:12:41+00:00
    Documents Emailed
    customer · Gmail
    4 attachment(s) from message 1a042b4af7dbe975
  • 2026-08-27T10:11:30+00:00
    Correspondence Sent
    workflow · SendGrid
    Meridian Bank - documents needed for your loan application
  • 2026-08-27T10:11:16+00:00
    Initial Validation Completed
    workflow · LOS
    passed
  • 2026-08-27T10:11:16+00:00
    Crm Application Created
    workflow · CRM
  • 2026-08-27T10:11:16+00:00
    Crm Customer Upserted
    workflow · CRM
  • 2026-08-27T10:11:16+00:00
    Application Submitted
    customer · Mantle form
    form submission