B

Credit decisioning

AI recommends — a human takes final action. Every decision logged.

Model governanceModel v3.2 championv3.4 challenger in shadowvalidated 05/2026drift check 06/2026 OKoverrides this quarter: 4 (all reason-coded)
Fair-lending screen
PASS
Prohibited-basis screen: model inputs exclude race, color, religion, national origin, sex, marital status, and age of principals. Geography treated as a proxy variable — quarterly disparate-impact monitoring.
Approve
3
of 6 decisioned
Refer
2
human review pending
Q-20501 · 2026-06-29
Northwind Logistics LLC
Logistics & Trucking·EvanstonA
Placed via Riverside Brokerage · Amwins
87
risk
ApprovePolicy verified carrier-direct 07/02
Premium $84,200 · 9mo @ 11.25%
Why the model recommended this
  • Agency scorecard+18
    24-mo cancel rate 6.1% vs book 9.8%, zero NSF, 3-yr tenure
  • Collateral position+12
    Inception parity 104%, trough 101% month 2, MEP-adjusted
  • Carrier+9
    Kinsale A · avg UEP refund 24 days
  • Down payment above floor+4
    25% vs 20% floor for this class
  • Repeat insured+6
    3rd renewal · 0 late payments prior terms
  • Auditable GL exposure-4
    GL class — subject to audit adjustment at term end
AI recommendation: Approve → Final action: Approve by T. Schapiro, 07/03
D-10482·2026-07-02 14:31 UTC·model v3.2·snapshot 9f3a7c21b8…
Q-20502 · 2026-06-29
Cascade General Contractors
General Contractor·ScottsdaleA+
Placed via Coastline Risk Advisors · RT Specialty
62
risk
ReferPolicy unverified — auto REFER4h 12m to decision
Premium $46,500 · 9mo @ 11.50%
Why the model recommended this
  • Agency scorecard+9
    24-mo cancel rate 8.4% vs book 9.8%, 1 NSF in prior 12 mo
  • Collateral position-6
    Inception parity 96%, trough 91% month 3 — thin coverage
  • Carrier+8
    Scottsdale A+ · avg UEP refund 21 days
  • Down payment above floor+0
    25% at floor for this class
  • Repeat insured-3
    First submission from insured — no payment history
  • Auditable GL exposure-4
    General contractor GL — audit exposure at term end
Required before approval
  • Verify policy carrier-direct
  • Confirm down payment ACH settled (not just promised)
  • Agency exposure within limit (13.8% of 15%)
D-10485·2026-07-02 15:04 UTC·model v3.2·snapshot b41e0f9a72…
Q-20504 · 2026-06-28
Meridian Manufacturing
Manufacturing·NautilusA+
Placed via Riverside Brokerage · Amwins
84
risk
ApprovePolicy verified carrier-direct 07/02
Premium $162,000 · 10mo @ 10.85%
Why the model recommended this
  • Agency scorecard+16
    Cancel rate 5.4% vs book 9.8%, 5-yr tenure
  • Collateral position+11
    Inception parity 108%, trough 103% month 2
  • Carrier+9
    Nautilus A+ · avg UEP refund 19 days
  • Down payment above floor+3
    25% vs 22% floor for manufacturing class
  • Repeat insured+5
    2nd renewal · 0 late payments prior term
  • Auditable GL exposure-3
    Manufacturer — audit exposure at term end
AI recommendation: Approve → Final action: Approve by T. Schapiro, 07/02
D-10488·2026-07-02 12:11 UTC·model v3.2·snapshot 3c88a1f5de…
Q-20507 · 2026-06-26
Anchor Point Tugs Inc.
Logistics & Trucking·AtainA-
Placed via Cornerstone Insurance · Amwins
34
risk
DeclinePolicy verified carrier-direct 07/02
Premium $118,500 · 11mo @ 12.50%
Why the model recommended this
  • Agency scorecard-10
    Cornerstone · 24-mo cancel rate 16.2% vs book 9.8%, 3 NSF
  • Collateral position-14
    Inception parity 82%, trough 71% month 4 — MEP-heavy line
  • Carrier-8
    Atain A- · avg UEP refund 41 days
  • Down payment above floor-4
    20% vs 25% floor for logistics class
  • Repeat insured-3
    Prior term charged off 06/2025
  • Auditable GL exposure-2
    Auto class — audit adjustment history
AI recommendation: Decline → Final action: Decline by T. Schapiro, 07/02
Adverse action notice queued — specific reason codes mapped (ECOA / Reg B, business credit).
D-10490·2026-07-02 10:47 UTC·model v3.2·snapshot 77aa20bce4…
Q-20503 · 2026-06-28
Harbor Point Restaurants
Restaurant / Hospitality·LexingtonA
Placed via Meridian Agency · CRC
66
risk
ReferPolicy verified carrier-direct 07/022h 38m to decision
Premium $28,900 · 10mo @ 11.90%
Why the model recommended this
  • Agency scorecard+7
    Meridian · cancel rate 7.9% vs book 9.8%
  • Collateral position+4
    Inception parity 102%, trough 99% month 3
  • Carrier+5
    Lexington A · avg UEP refund 26 days
  • Down payment above floor+0
    25% at floor for restaurant class
  • Repeat insured-2
    No prior term with BindNow
  • Auditable GL exposure-3
    GL/liquor liability — audit history
Required before approval
  • Verify policy carrier-direct
  • Confirm down payment ACH settled (not just promised)
  • Agency exposure within limit (11.2% of 15%)
D-10492·2026-07-02 16:22 UTC·model v3.2·snapshot 5d10e8f3c9…
Q-20508 · 2026-06-26
Cedar & Stone Architects
Professional Services·KinsaleA
Placed via Coastline Risk Advisors · CRC
81
risk
ApprovePolicy verified carrier-direct 07/02
Premium $19,800 · 9mo @ 10.50%
Why the model recommended this
  • Agency scorecard+14
    Coastline · cancel rate 5.9% vs book 9.8%
  • Collateral position+10
    Inception parity 106%, trough 102% month 2
  • Carrier+8
    Kinsale A · avg UEP refund 24 days
  • Down payment above floor+3
    25% vs 20% floor for professional class
  • Repeat insured+4
    2nd renewal · 0 late payments
  • Auditable GL exposure+0
    Non-auditable professional liability line
AI recommendation: Approve → Final action: Approve by T. Schapiro, 07/02
D-10495·2026-07-02 09:03 UTC·model v3.2·snapshot e2b41a09fd…