Full Audit Trail — Application #32
1. Original Application
Applicant
Jeffry Kunze
Age
64
Income
€72,102.00
Loan Amount
€43,583.00
Credit Score
676
Employment
Retired
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 72102 72102 type_conversion
age 64 64 type_conversion
credit_score 676 676 type_conversion
employment_status retired 3 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
APPROVED
Confidence
92.0%
5. SHAP Feature Importance
credit_score +0.240070
age +0.041116
loan_amount +0.018411
employment_status +0.011038
income -0.006106

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