What a fully governed credit decision file looks like
A synthetic preview of a fully governed credit decision file: policy version, authority path, exception record, evidence map, final rationale, audit replay, and AI boundary. No customer file. No PII. Illustrative only.
Seven file sections
Each section corresponds to a defensibility area in the standard.
Policy version at time of decision
Credit Policy v3.4, effective 2025-09-01 to 2026-02-28. PDF reference and section-by-section applicability.
Authority path
Approver: Senior Credit Officer (Tier 2). Exposure: $1.4M unsecured CRE. Authority verified against published Authority Matrix v2.1.
Exception record
One pricing exception (-25bps) recorded. Rationale: long-standing depositor relationship + 1.4x DSCR. Approver: Chief Credit Officer. Evidence: committee minutes 2025-11-12.
Evidence map
11 supporting documents listed. Each has location, version, retrieval date, and reference within memo. All findable at time of decision.
Final rationale
Approve at $1.4M with covenants A, B, C. Risk factors X, Y addressed with mitigants 1, 2, 3. Inconsistent with prior committee guidance on covenant C — explicitly reconciled.
Audit replay timeline
Intake → analyst → committee 1 → exception → committee 2 → approval → booking. Each step has actor, action, timestamp, and artifact reference.
AI boundary statement
AI used for: financial spreading assist, comparable transactions search. AI not used for: rating, scoring, approval, exception adjudication, pricing. Human-attested per use.