Underwriting - Renata Volkov
loan #57702 - pending - tenant loanmeld-prod
Requested
$400.00
approved -
Recommended
$900
Installment loan
Risk score
55
manual review
Reasons
2
adverse action required
| Field | Value | Evidence |
|---|---|---|
| Application | APP-57702 | 12/12 required |
| Eligible products | Installment loan, Short-term loan | derived from loan-type rules |
| Recommended offer | Installment loan - $900 | 168 days - biweekly - 12 installments |
| Model recommendation | manual review | lm-risk-demo-v1 |
| Reason codes | PHONE_MATCH, BANK_VERIFY_REQUIRED | retained with decision |
| Evidence key | underwriting/57702/evidence/model-review.json | policy/model snapshot |
| Adverse action | Required | ECOA/FCRA |
| Stipulation | Type | Borrower upload | Status |
|---|---|---|---|
| Verify bank ownership before final decisionbanking.account_number | bank_verification | requested- | required |
Action history
append-only workflow action evidence
No decision actions have been applied yet.
Evidence timeline
application requests, borrower uploads, staff uploads, stipulation changes, and review actions
| Event | Document request | Status | Actor | Evidence |
|---|---|---|---|---|
| Document request openedIdentity verification requested | APP-5770299999999 | requested | system | origination/APP-57702/document-requests/identity-verification.json |
| Underwriting stipulationVerify applicant identity before offer booking | APP-5770299999999 | required | system | underwriting/APP-57702/stipulations/identity-verification.json |
| document request changesOperator requested a clearer ID image before final underwriting. | APP-5770299999999 | applied | Lin Park | origination/APP-57702/document-requests/identity-verification/request-changes.json |
Evidence review
document request decisions update application readiness, stipulations, audit, outbox, and evidence together
| Request | Upload | Document | Stipulation |
|---|---|---|---|
| requested- | requested | required |
Review applicant evidence before approval or counter decisions.
Decision action
writes the case state, workflow action, audit event, outbox event, and optional stipulation together
Recommended offer
installmentInstallment
$900168 daysbiweeklyeligible
Eligible products
Installment loan · InstallmentShort-term loan · Short Term
Family
Installment
Input path
customer site
External type
installment
Policy path
eligible
eligible_by_seed_policy
Bank verification
the readiness "Bank verified" item — booking refuses until this is verified
Adjudicates the readiness "Bank verified" item for this application.