Retail Lending — Digital Origination
Mohit Karki · customer CUST-10260 · submitted 2026-08-31T15:28:07+00:00 · demonstration path A (Straight-through approval)
Generated by the workflow. Advisory only — a lending decision remains with authorised credit staff.
The file's affordability case rests entirely on an unverified self-declaration of zero housing cost sustained across a 60-month term. The underwriter's own stress test shows that if that assumption fails, debt service reaches 69% of net income with residual of 2,470 — a level the reviewer characterises, credibly, as pre-default rather than merely tight. Because the sensitivity is binary (the loan is affordable with zero rent and materially impaired without it) and the driving input is uncorroborated, the approval cannot be settled on the current evidence. The secondary objection — that 24 months of clean service on a single facility is not evidence of capacity under two concurrent obligations — is a genuine gap in the underwriter's reasoning rather than residual risk, since no independent data on multi-tradeline behaviour has been produced. Recommendation is to decline pending verification, i.e. the housing check should gate the decision rather than follow it. Confidence is low not because the file looks bad but because the single figure the outcome turns on has not been tested against any independent source; a verified housing position could flip this to approve.
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