highDelinquency requires file review
Past-due status can signal repayment weakness or servicing/classification issues.
delinquencyDays · ≥ 30CADE × Orchestrator · governed first review
Put the most time-intensive examination work on a traceable swarm.
Reconcile the population, screen every supplied record, stratify risk, challenge counterevidence, and send only supportable leads and data gaps to an authorized examiner.
Decision boundary0 automated findings
Every classification, SAR decision, rating, violation, and agency action stays human.
credit
Credit and loan-file review
Screen the full loan tape, select risk-focused files, reperform key calculations, and route supportable credit-risk hypotheses to examiners without assigning classifications.
Population3synthetic records
Specialists4independent roles
Procedures5versioned steps
Authority2official sources
Orchestrated work graph
Evidence gates before conclusions
1
population controlEvidence Integrity swarm
ready2
deterministic screenDomain specialist swarm
ready3
risk stratificationSampling + quantitative swarm
ready4
counterevidence challengeCADE adversarial panel
ready5
examiner dispositionAuthorized examiner
human gateVersion-pinned screening book
Every parameter produces an auditable reason
highDebt-service coverage pressure
Thin coverage is a risk-selection indicator, not a classification.
debtServiceCoverageRatio · ≤ 1.15moderateCollateral leverage exception
Elevated leverage may reduce protection if repayment or collateral values weaken.
loanToValuePct · ≥ 85moderatePolicy exception present
Exceptions require documented approval, rationale, monitoring, and aggregate reporting.
policyExceptionCount · ≥ 1moderateCollateral valuation may be stale
Valuation freshness should be assessed against risk and policy.
collateralValuationAgeDays · ≥ 366highRisk grade changed
A changed grade warrants review of timing, support, and downstream treatment.
riskGradeChanged · = true