Policy Matrix
Configuration, not invented institutional policy. Example Copilot thresholds are not adopted.
| Control | Configured value | Source | Notes |
|---|---|---|---|
| Risk posture | BALANCED | CONFIG | Training default; configurable. |
| Credit score floor | CONFIG | CONFIG | No numeric threshold hard-coded. |
| Debt-to-income limit | CONFIG | CONFIG | No numeric threshold hard-coded. |
| Loan-to-value limit | CONFIG | CONFIG | Product-specific configuration. |
| Approval authority limit | CONFIG | CONFIG | Role/amount matrix configuration. |
| Exception approval authority | CONFIG | CONFIG | Distinct reviewer required. |