Solutions
Loan decisioning software for non-bank lenders
What a credit decision record must contain
A defensible credit decision is more than an approve or decline. It is a structured record of: what information was available at the time of the decision, what criteria were applied, what the AI or automated system contributed, and which human made the final call. When that record does not exist — or must be reconstructed after the fact — lenders are exposed in regulatory examinations and counterparty disputes.
Hadrian's decisioning step captures all of those components in a single, tamper-evident record. The decision is stamped with a timestamp, attributed to the reviewer, linked to the evidence graph, and written to the audit ledger in a form that cannot be altered retroactively.
Rules-based and AI-assisted decisioning
Hadrian supports both rules-based eligibility screening and AI-assisted credit analysis. Rules can screen deals for hard stops — minimum time in business, minimum revenue, excluded industries — before a human reviewer touches the case. AI can generate a structured credit summary that the reviewer acts on at the decisioning step.
The operator-gated AI trust dial controls how much AI input enters the decision record. At maximum control, AI contributes nothing to decisioning; at maximum assistance, AI generates a recommendation the reviewer can accept, modify, or override. Every configuration is recorded in the audit ledger.
Adverse action and fair lending documentation
For lenders subject to ECOA and state fair credit laws, the decisioning record must support adverse action notices with specific, accurate reasons. Hadrian's decision record captures the specific criteria that drove a denial, making adverse action documentation a direct output of the decisioning process rather than a separate drafting exercise.
Fair lending risk management requires consistent decisioning criteria applied across similar cases. Hadrian's workflow enforces consistent review steps; the audit ledger documents each case's inputs and decision, providing the record base for a fair lending analysis.
FAQ
Loan Decisioning Software — common questions
Can I configure automatic approval for deals that meet all hard criteria?
Hadrian supports rules-based eligibility gates that can advance or flag cases based on defined criteria. Fully automated approval without any human review step is a configuration option, but operators should assess whether that approach is appropriate for their regulatory context and counterparty requirements before enabling it.
How does Hadrian handle declined deals that are later reconsidered?
A reconsidered deal is opened as a new case or a new decisioning step in the existing case, with a fresh evidence snapshot and a clear record showing when and why the reconsideration occurred. The original decision record is preserved in the audit ledger.
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