Full Audit Trail — Application #46
1. Original Application
Applicant
Suzanne Kub
Age
51
Income
€15,385.00
Loan Amount
€81,439.00
Credit Score
324
Employment
Retired
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 15385 15385 type_conversion
age 51 51 type_conversion
credit_score 324 324 type_conversion
employment_status retired 3 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
REJECTED
Confidence
94.3%
5. SHAP Feature Importance
employment_status +0.014106
age +0.004241
loan_amount -0.083904
income -0.146575
credit_score -0.345733

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