Full Audit Trail — Application #44
1. Original Application
Applicant
Mr. Dedric McDermott PhD
Age
48
Income
€79,084.00
Loan Amount
€32,636.00
Credit Score
369
Employment
Unemployed
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 79084 79084 type_conversion
age 48 48 type_conversion
credit_score 369 369 type_conversion
employment_status unemployed 2 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
REJECTED
Confidence
80.0%
5. SHAP Feature Importance
loan_amount +0.095860
income +0.006239
age -0.020943
employment_status -0.109560
credit_score -0.386760

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