Full Audit Trail — Application #30
1. Original Application
Applicant
Dr. Craig Rutherford
Age
54
Income
€91,153.00
Loan Amount
€55,205.00
Credit Score
501
Employment
Self-employed
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 91153 91153 type_conversion
age 54 54 type_conversion
credit_score 501 501 type_conversion
employment_status self-employed 1 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
APPROVED
Confidence
60.7%
5. SHAP Feature Importance
income +0.085756
employment_status +0.052992
age +0.009985
loan_amount -0.032657
credit_score -0.124170

Positive scores push toward APPROVED. Negative scores push toward REJECTED.