INSIGHTS
Loan decisioning, written down.
Guides, comparisons, and explainers on loan decisioning, credit policy, document intelligence, and fraud forensics. Written by Kira from workflows running in production.
THE ARCHIVE
Latest articles.
Questions to Ask a Loan Decisioning Vendor in the Demo: A Credit & Risk Team Checklist
The questions to ask a loan decisioning vendor in the demo, a credit and risk team checklist covering documents, policy authoring, integrations, audit, and pricing.
Kira· 10 min readRead →Automating Adverse Action Notices: Turning Reason Codes Into Compliant Declines
Automating adverse action notices turns decision-engine reason codes into specific, compliant declines, with an audit trail proving every reason was the real driver.
Kira· 10 min readRead →Automated vs Manual Underwriting: Automate the 80%, Keep the Hard 20% in Human Hands
Automated vs manual underwriting, decided: automate routine policy-clear files for straight-through processing, route genuine edge cases to humans with full context.
Kira· 10 min readRead →Calculating DSCR From Borrower Documents: Automating Debt-Service Coverage
A practical guide to calculating DSCR from borrower documents and automating debt-service coverage in your credit policy.
Kira· 10 min readRead →SME Credit Assessment Without Financial Statements: A Cash-Flow and Document Method
How to run SME credit assessment without financial statements using bank statements, cash flow, DSCR, tax filings, and document evidence.
Kira· 10 min readRead →Thin-File and No-Hit Applicants: How to Decide When the Bureau Has Nothing
Thin-file and no-hit applicant underwriting decides repayment ability from cash-flow and document-derived affordability when the bureau returns nothing, using alt-data, conservative cutoffs, and step-up verification.
Kira· 10 min readRead →How to Read a Business Credit Report for Underwriting
How to read a business credit report for commercial underwriting: PAYDEX, commercial bureau scores, trade lines, public records, UCC filings, and the red flags that matter.
Kira· 10 min readRead →Feeding a Bureau Report Into Your Decisioning Engine: API, Parsing, and Attribute Mapping
How to integrate a credit bureau report into your decisioning engine: bureau API vs file pull, parsing, attribute mapping, and no-hit fallbacks.
Kira· 10 min readRead →Bring Your Own Model: How to Plug a Custom Credit Model Into a Decisioning Engine
How to bring your own credit model and deploy a custom scorecard or ML model into a decisioning engine as one orchestrated signal in policy.
Kira· 10 min readRead →Run a real loan through it.
See the whole decision: every gate, every reason, on record.