Retail Lending — Digital Origination
Mohit Karki · customer CUST-10262 · submitted 2026-08-31T15:47:12+00:00 · demonstration path C (Human-in-the-loop referral)
Generated by the workflow. Advisory only — a lending decision remains with authorised credit staff.
Conditional approve stands. The underwriter surfaced rather than buried the three adverse facts — the 43.5% gross DTI, the 11-month tenure, and the two undisclosed facilities — and correctly declined to price off the gross ratio, reframing on net income of 13,874 with a 65.2% burden and 4,824 residual. That reframe is the load-bearing element of the file, and it rests entirely on the 33.3% withholding rate being a steady-state figure. That rate was confirmed as current but never explained: nobody established why net is 66.7% of gross, and an 11-month employment history is exactly the window in which withholding can be distorted by benefits enrollment still ramping, provident-fund catch-up, backdated deductions or probation-linked pay components. This is a material gap, not residual risk — it is a single figure, verifiable from a 12-month payslip run or a payroll/HR confirmation of the deduction schedule, and if the true durable rate is materially higher the 4,824 residual compresses and the recommendation moves. Confidence is held below the settled band for that reason alone; the rest of the file — the disclosed and undisclosed facility reconciliation, the income base, the underwriter's refusal to lean on the gross ratio — is sound and independently corroborated. Approve conditional on payroll verification of the withholding schedule and a residual-income covenant sized off the verified rate rather than the current one.
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