Retail Lending — Digital Origination
Mohit Karki · customer CUST-10261 · submitted 2026-08-31T15:40:21+00:00 · demonstration path A (Straight-through approval)
Generated by the workflow. Advisory only — a lending decision remains with authorised credit staff.
Income (three independent confirmations) and the existing facility (two) are well corroborated, and the bureau presents no adverse markers, so the revenue side of the affordability case is settled. The weak point is the expense side: the 1,200 monthly housing cost is self-declared with no lease, no matching bank debit and no third-party confirmation, in a file otherwise built explicitly on evidence over declaration. Because the underwriter's own reasoning makes low fixed housing cost the thing that creates room for the 2,650 debt service line, the 3,770 surplus moves dollar for dollar with any error in that figure — an understatement of a few hundred a month materially compresses the cushion. Recommendation remains APPROVE on the strength of the verified income and clean credit history, but confidence is held down because a load-bearing input is uncorroborated rather than merely exposed to residual risk. The fix is cheap and specific: match a 1,200 recurring debit on the bank statement, or obtain the lease. Approval should be conditioned on that third confirmation, with a re-run of the surplus if the verified figure differs from the declaration.
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