CAP-068 — Automated credit decisioning engine

Category	Intelligence & automation (platform)
Business goal	BG-006
Satisfying module	MOD-028 Credit score & risk rating
Mode	AUTO
BD owner	BD05 Credit
Human needed	No

A fully automated credit decision for standard-risk loan applications — the credit score model evaluates the applicant's risk profile and returns an approve/decline/refer outcome without human underwriting. The decision, including the credit score, the inputs used, and the model version, is logged automatically to satisfy CCCFA/NCCP responsible lending documentation requirements. Refer cases are routed to the credit team queue.