Credit assessment

Review one borrower through a clearer underwriting workflow.

Capture borrower details, verify affordability, and get a model-backed recommendation in one guided flow.

Borrower profileAffordability viewDecision factors

CurrencyNGN

Repayment term3 mo

Estimated repayment₦84,517

Application input

Build the borrower profile

Keep underwriting inputs structured, readable, and ready for a decision review.

Financial context

Capture income, currency, and employment structure first.

CurrencyDetected from IP when available, and always adjustable.

Employment status

Annual income

₦

Co-applicant income

₦

Borrower profile

Add household and borrower context used by the model.

Marital status

Education

Dependents

Property location

Loan structure

Set the request amount, repayment period, and credit profile.

Requested amount

₦

Enter the full amount instead of a shortened "k" value.

Loan term

Equivalent term: 3 mo

Credit record

Borrower capacity snapshot

Total income₦85,000

Monthly repayment₦84,517

Income to loan0.3x

Income to EMI1.0x

Underwriting lens

Capacity

Measure borrower income against the requested repayment burden before issuing a recommendation.

Stability

Keep education, household structure, and employment context visible while the profile is built.

Policy fit

Align term, credit record, and property context with a clearer underwriting decision.

Decision recommendation

Current underwriting status

Submit the borrower profile to populate the recommendation, repayment probability, and explanation.

Repayment confidence

Probability view

Awaiting a scoring result.

Affordability summary

Applied scenario metrics

Total income₦85,000

Monthly repayment₦84,517

Income to loan0.3x

Income to EMI1.0x

Decision factors

Feature impact view

The explanation chart will appear after the first scoring run.