Assess whether a special-purpose program is well designed or a pretext

Situation

Redlining and HMDA Data work in a small-business desk using a new vendor score now turns on a special-purpose program is because an underwriter chat that used coded language put underwriting exception log by branch in play. Second-review underwriter should say what underwriting exception log by branch proves.

Decision

Second-review underwriter in a small-business desk using a new vendor score must choose A special-purpose program is well designed / A pretext using underwriting exception log by branch after an underwriter chat that used coded language.

Hypotheses to test

• Underwriting exception log by branch reads as A special-purpose program is well designed once an underwriter chat that used coded language is lined up to the same Fair Lending population.
• Underwriting exception log by branch is closer to A pretext after an underwriter chat that used coded language; A special-purpose program is well designed would over-claim this Redlining and HMDA Data extract.
• A dual reading is still live in underwriting exception log by branch for second-review underwriter in a small-business desk using a new vendor score.
• Underwriting exception log by branch is missing the fact second-review underwriter needs after an underwriter chat that used coded language; stop this Fair Lending close.

Analysis required

• Match the adverse-action language to the facts in underwriting exception log by branch.
• Check HMDA coding and underwriting policy against a special-purpose program is.
• Compare underwriting exception log by branch to similarly situated files, second-review notes, and reason codes after an underwriter chat that used coded language.
• For this Fair Lending Redlining and HMDA Data file, read underwriting exception log by branch against an underwriter chat that used coded language and write the one fact that would move a special-purpose program is for second-review underwriter.

Recommendation

Choose A special-purpose program is well designed / A pretext on this Fair Lending / Redlining and HMDA Data packet (underwriting exception log by branch after an underwriter chat that used coded language). Lead with the Fair Lending option underwriting exception log by branch can support after an underwriter chat that used coded language, then the two facts that force it, then the Monday action for second-review underwriter in a small-business desk using a new vendor score.