Defensible / Partially Defensible / Not Defensible
The CreditAxis Defensibility Score is a public-safe scorecard that labels a credit decision across nine categories. It is not a regulatory rating. It is not a credit risk rating. It is a defensibility label.
Nine scoring categories
Each category has a published definition and a clearly-bounded label.
AI Governance
Was AI assistance labeled as non-decisional?
Audit Replay
Could the decision be replayed end-to-end?
Authority Alignment
Was the approving authority traceable to a written matrix?
Board/Risk Readiness
Could a board-level summary be produced?
Evidence Completeness
Was supporting evidence captured and referenced?
Exception Governance
Was each exception flagged with rationale and approval evidence?
Metric Reproducibility
Could key metrics be reproduced from underlying data?
Policy Traceability
Was the effective policy version identifiable at decision time?
Final Rationale
Was the final rationale written and intelligible?
What the score is and is not
The Defensibility Score is a structured judgment about whether a credit decision can be reconstructed and defended. It is not a probability of default. It is not a regulatory rating. It is not a substitute for examiner judgment, internal audit, or general counsel review.