Full Audit Trail — Application #35
1. Original Application
Applicant
Patience Nolan
Age
59
Income
€70,536.00
Loan Amount
€80,415.00
Credit Score
304
Employment
Self-employed
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 70536 70536 type_conversion
age 59 59 type_conversion
credit_score 304 304 type_conversion
employment_status self-employed 1 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
REJECTED
Confidence
81.2%
5. SHAP Feature Importance
age +0.073258
employment_status +0.019884
income -0.018918
loan_amount -0.118470
credit_score -0.382359

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