Full Audit Trail — Application #33
1. Original Application
Applicant
Zora Nitzsche
Age
25
Income
€57,954.00
Loan Amount
€83,372.00
Credit Score
767
Employment
Employed
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 57954 57954 type_conversion
age 25 25 type_conversion
credit_score 767 767 type_conversion
employment_status employed 0 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
APPROVED
Confidence
85.8%
5. SHAP Feature Importance
credit_score +0.392936
employment_status +0.014446
age -0.028133
loan_amount -0.062641
income -0.073697

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