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Judgment & ambiguity · Calibrating confidence

Your automated credit-scoring model declines a small-business applicant, but the loan officer sees strong compensating factors the model doesn't weigh — long deposit history, a large signed contract in hand. How confident should you be in overriding the model, and how do you decide?

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An override is a real decision, not a courtesy, so I hold it to a standard: name the specific compensating factors, verify them, and document why they change the risk the model priced.…

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