Loan overview
- Facility type
- Consumer Loan
- Requested amount
- ₦4,200,000
- Tenor
- 36 months
- Proposed rate
- 24.5% per annum
- Branch
- Garki Branch
- Application status
- Exception Open
Loan purpose
Medical and household expenses.
Back to work queue
FCMB-LN-24061
Exception ReviewHigh priorityHalima Musa Abdullahi
Consumer Loan · ₦4,200,000
National Hospital Abuja · NHA/NS/15309
AI validation readiness
Live validation results for the currently selected lending scenario.
5 of 9 passed
4 review · 0 action required
Customer Identity & Impersonation
The biometric identity comparison has not yet been completed.
Review
KYC / AML
No unresolved KYC or AML issue is represented in the current application data.
Passed
Existing Credit Direct Facility
No active, past-due or written-off Credit Direct facility was detected.
Passed
Affordability
The calculated debt-to-income ratio is 26.81%, within the configured limit of 40%.
Passed
Employment & Income Verification
The submitted employment and income information matches the configured employer record.
Passed
Document Integrity
The submitted document received a prototype trust score of 0%.
Review
Policy Rules
No blocking configured policy rule was triggered.
Passed
Fraud Indicators
One or more identity, biometric or document-integrity indicators require review.
Review
Exceptions & Conditions
2 validation exception(s) require officer attention.
Review
AI Call-Over Assistant
AI Call-Over analysis in progress
The prototype AI is retrieving information, executing validation checkpoints and preparing an exception pack for FCMB-LN-24061.
Call-Over execution: The sequence illustrates the proposed future workflow. No live Credit Direct systems are currently connected.
Processing application
0%
Connecting to Core Banking
AI validation currently running
Retrieving Customer Profile
Validating Live Facial Capture
Comparing Identity Photographs
Retrieving Payroll Records
Running Credit Bureau Checks
Executing Affordability Analysis
Validating Policy Rules
Checking Fraud Indicators
Consolidating Exceptions
Preparing Officer Review
Human review remains required
AI prepares findings and exceptions but does not make the final lending decision.
Credit Direct Validation
Confirm whether the proposed Overview workspace, information, workflow and available actions meet Credit Direct's requirements.