LNAPP-1004 underwriting
No stage may be skipped. U12 is an authorized human disposition; calculations cannot approve or decline automatically.
U9current stage
NOpolicy exception
UNASSIGNEDreviewer
UNASSIGNEDdecision authority
Stage ledger
| Stage | Purpose | Status |
|---|---|---|
| U1 | Application completeness | PENDING |
| U2 | Identity / entity / authority | PENDING |
| U3 | Credit profile | PENDING |
| U4 | Income / cash-flow analysis | PENDING |
| U5 | Debt / obligations analysis | PENDING |
| U6 | Collateral / security analysis | PENDING |
| U7 | Product fit and structure | PENDING |
| U8 | Policy matrix comparison | PENDING |
| U9 | Exception identification | CURRENT |
| U10 | Compliance / legal controls | PENDING |
| U11 | Independent review / dual control | PENDING |
| U12 | Authorized human disposition | PENDING |
Advance current stage
Decision worksheet support
Policy matrix
| Control | 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. |