Overlay · not the system of recordHolds sit above scoreAsk Desk is deterministic — no modelLocal
Ops analyst / banker
Limit increase sits outside policy band
Maya Chen · card limit $8k → $25k
Lane · Standard
PriorityP2
Severitylow
PacketReady
Suggested—
Why this is here
Customer requested 3× limit. Score is fine. Policy cap for this segment is 2× without a second look.
PolicySegment cap 2× without review
BureauScore 742, utilization 19%
AppCustomer in-session, waiting
Recommended. Offer $16k now, queue underwriting for the rest. Do not decline cold.
Income on file is 16 months old. If payroll is higher, the full amount is fine.
Current: Open
Overlay only. Will POST a label to the write-back URL, never a funds release. FIS / Jack Henry / payments hub exception_status=HOLD_PENDING_EVIDENCE on bnk-limit-request. Desk is not the system of record.