84
Pure Cope
regulatory_hopium,copilot_fallacy
Evaluates loan applications and determines creditworthiness of borrowers.
Loan approval is probabilistic mathematics. The algorithm already does the heavy lifting—credit score, debt-to-income, assets, collateral—feeding a random forest that scores 95%+ of applications in seconds. You are the regulatory theater that makes the algorithm defensible in court. 'Relationship banking' still has a pulse in small-town commercial lending, but residential mortgages and personal loans are pure commodities. The industry's AI copilot plays doesn't add value; they're just automating your job while you hold the liability.