Full Audit Trail — Application #45
1. Original Application
Applicant
Oliver Gleichner
Age
28
Income
€102,154.00
Loan Amount
€83,529.00
Credit Score
332
Employment
Retired
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 102154 102154 type_conversion
age 28 28 type_conversion
credit_score 332 332 type_conversion
employment_status retired 3 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
REJECTED
Confidence
92.8%
5. SHAP Feature Importance
income +0.065170
employment_status -0.020100
age -0.027759
loan_amount -0.096271
credit_score -0.464209

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