Full Audit Trail — Application #43
1. Original Application
Applicant
Theron Morar
Age
28
Income
€41,651.00
Loan Amount
€30,410.00
Credit Score
409
Employment
Unemployed
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 41651 41651 type_conversion
age 28 28 type_conversion
credit_score 409 409 type_conversion
employment_status unemployed 2 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
REJECTED
Confidence
85.1%
5. SHAP Feature Importance
loan_amount +0.099127
age -0.020744
employment_status -0.062964
income -0.186062
credit_score -0.295822

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