REV-026 / Northstar Community Bank

Consumer underwriting Q1–Q2 2026

Unsecured consumer installment · Nimbus v4.1 → v4.2 · Jan 1 – Jun 30, 2026

MCMaya Chen · prepared / Ellis Morgan · independent reviewer

REMEDIATION / RETEST

Preserve the original. Test the actual change.

One unresolved screen and one supported reason-map replay. Neither implies a production deployment.

RT-024 · FL-024Further action required

CFG-01 / Nimbus v4.2

RUN-01

CFG-06 / Nimbus v4.2

RUN-06

What changed: Added explicit channel sensitivity rationale; no model, policy or outcome changes.
Approved / effective: Ellis Morgan · Sep 16, 8:30 AM ET
Deployment: Not deployed; synthetic replay or analysis configuration only
Finding state: Retest required
Limitation: Covered-only descriptive association; local missingness prevents full-population inference.

Metric	Prior run	Current run	Interpretation
Standardized AIR	0.6748	0.6748	No changed outcomes; issue persists
Rate difference	-0.1892	-0.1892	No changed outcomes; issue persists

RT-009 · AA-009Replay supported

MAP-3.4

Original reason check / APP-1048392

MAP-3.5-TEST

REPLAY-AA-009

What changed: Corrected M-17 output wording to utilization; same principal-factor record and original decision.
Approved / effective: Ellis Morgan · Sep 16, 10:00 AM ET
Deployment: Not deployed; synthetic replay or analysis configuration only
Finding state: Closed
Limitation: Demonstrates mapper replay only. Does not verify customer notification, deployed policy or legal sufficiency.

Notice reason	Original check	Corrected replay check
Insufficient credit history → High revolving utilization	Inconsistent	Verified
Debt obligations relative to income → Debt obligations relative to income	Verified	Verified

Action / finding	Owner	Due	State	Evidence	Update
ACT-01 · FL-024Supply channel specification and documented policy rationale	Daniel Ortiz	2026-09-19	Further action required
ACT-02 · AA-009Correct M-17 and supply sandbox notice replay	Daniel Ortiz	2026-09-16	Completed in sandbox