Retail Lending — Digital Origination
Jacqueline Donahue · customer CUST-10263 · submitted 2026-08-31T16:20:34+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 is triangulated across three independent sources and the 6,300 debt obligation reconciles to the bank statement, so the top line of the file is solid and the bureau is clean. But the affordability conclusion does not rest on those figures alone — it rests on a residual of 4,824 that is arithmetically driven by a 2,200 monthly rent figure taken from the applicant's own declaration and never tested against the same bank statement already in the file. That is a material gap, not residual risk: the verification tool is present, the check was simply not performed, and a higher actual housing cost or a second housing-linked debit would compress the cushion directly. Separately, the 6,300 is described as a single facility but the bureau reports three active facilities summing to that amount; the reconciliation to the statement may be an unstated aggregation of two or three debits. That does not change whether the obligation exists, but it does mean Condition 1 as drafted ("the 6,300 facility", singular) will likely return incomplete, and the re-assessment trigger keyed to "residual term exceeds 36 months" has no single term to apply to. Recommendation remains APPROVE because nothing discovered contradicts the file — the debt is real, the income is corroborated, the bureau is clean — but confidence is held down because the single number the recommendation is most sensitive to is uncorroborated, and it is cheaply corroborable. Condition 1 should be rewritten to name all three facilities and require terms, balances and rates for each, with the 36-month trigger applied to the longest residual term.
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