Lending · Agent pack
Credit decision model review
Cadre pack · Backstop
Tests a committed decision for policy consistency, defensibility, and unsupported overrides.
Demonstrated on representative cases. Source coverage, thresholds, policy interpretation, escalation design, and performance require institution-specific validation.
Operating dossier
The job, permitted decisions, and owner
Mandate
Challenges a committed credit decision against supplied policy and file evidence, and considers any fair-lending review on file, without re-underwriting or issuing a validation or legal opinion.
- Case arrives with
- Decision · Application · Decision · Product · Decision · Decision · Decision · Terms
- Allowed outcomes
- Pass · Findings · Fail
- Where it fits
- Application to Decision
Operating logic
- 01Second-line challenge of a committed credit decision: tests whether the decision is policy-consistent and defensible without pretending to be a full model validation.
- 02Checks consistency against policy and against similarly-situated files decided before — on credit merit only, never protected attributes.
- 03Tests whether the stated factors genuinely support the outcome; a decline resting on factors that do not fail policy is a finding.
- 04Treats deviations from the supplied policy as overrides needing documented justification; an observed decision can receive an internal pass result without implying model validation.
- 05Returns pass, findings, or fail as a case-level rating, naming the comparator or factor behind anything below pass.
Decision logic
- 01Second-line challenge of a committed credit decision: tests whether the decision is policy-consistent and defensible without pretending to be a full model validation.
- 02Checks consistency against policy and against similarly-situated files decided before — on credit merit only, never protected attributes.
- 03Tests whether the stated factors genuinely support the outcome; a decline resting on factors that do not fail policy is a finding.
- 04Treats deviations from the supplied policy as overrides needing documented justification; an observed decision can receive an internal pass result without implying model validation.
- 05Returns pass, findings, or fail as a case-level rating, naming the comparator or factor behind anything below pass.
- Must not
- Use protected-basis fields in the decision path.
- Human owner
- Model-risk findings and remediation
- Evidence retained
- Structured outcome, observed path, and the source evidence used.
Case and record
One case, from supplied evidence to recorded decision
Supplied case
- Decision · Application
- L1
- Decision · Product
- auto
- Decision · Decision
- approve
- Decision · Terms
- 3 fields
- Decision · Score band
- prime
- Decision · Dti pct
- 11
- Decision · Ltv pct
- 103
- Decision · Policy basis
- score 768 in the prime band, DTI within the maximum, LTV within the maximum
- Decision · Factors
- strong credit score, low revolving utilization, clean payment history
- Decision · Confidence
- 0.96
View the case data
Case key L1-clean
{
"decision": {
"applicationId": "L1",
"product": "auto",
"decision": "approve",
"terms": {
"apr": 6.49,
"amount": 31000,
"termMonths": 60
},
"scoreBand": "prime",
"dtiPct": 11,
"ltvPct": 103,
"policyBasis": [
"score 768 in the prime band",
"DTI within the maximum",
"LTV within the maximum"
],
"factors": [
"strong credit score",
"low revolving utilization",
"clean payment history"
],
"confidence": 0.96
}
}Evaluation and limits
Evaluation coverage and stopping points
Published evaluation map
Expected decisions, boundaries, and costly failure modes.
These cases show what the pack is asked to decide, when it should stop, and which plausible errors the evaluation is meant to expose. They are not a reliability score or independent validation.
Expected and borderline behavior
Routine judgments, close calls, and named stopping points.
prime approve, within policy, factors support it
pass
Case key
L1-cleandecline rests on hard policy fails (score below min, LTV over max)
sound; pass, minor findings acceptable
Case key
L2-supportedwithin-policy near-prime file declined with no hard basis; similarly-situated L12 was approved
findings/fail
Case key
L11-inconsistent
Operating fit
Workflow placement and validation
Operating pattern
Independent review
Separate the work from the party that tests it, then require findings to point back to evidence and a named standard.
Decision sequence and workflow placement
- 01Receive completed work
- 02Reconstruct the standard
- 03Run independent checks
- 04State findings and limits
- 05Assign accountable review
Wider workflows
Institution-specific validation
These questions remain open until the pack is fitted to an institution.
Validation questions
- Policy and legal interpretation
- Source coverage, quality, and freshness
- Thresholds and exception calibration
- Integration and degraded-mode behavior
- Human approval and escalation design
- Performance on the institution’s own case mix
Inputs, actions, and outcomes
- Decision · Application
- Decision · Product
- Decision · Decision
- Decision · Terms
- Decision · Score band
- Decision · Dti pct
- Decision · Ltv pct
- Decision · Policy basis
- Decision · Factors
- Decision · Confidence
- Get applicationget_application
- Get credit reportget_credit_report
- Get policyget_policy
- Find similarfind_similar
- Record assessmentcommitrecord_assessment
- Pass
- Findings
- Fail
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