01
Establish the household context
Identify the applicant, product, permissions, and the obligations relevant to the assessment.
Consumer LendingSee the person.
See the person.
Understand the commitments.
Connect permitted income, financial activity, and contractual obligations to understand the household behind the application. Keep the evidence relevant to the credit product, and keep the decision with your team.
Explore your segment
CONNECTED EVIDENCECapacity in contextSources · relationships · obligations
INSTITUTION REVIEWYour policy. A fuller picture.Findings with supporting evidence
BUILT FOR YOUR SEGMENTDifferent commitments.
Different commitments.
Different questions.
Choose a segment to explore the evidence, financial relationships, and changes that matter to the review. The analytical scope follows the product and the information your institution is permitted to use.
Consumer Lending / PersonalRead the personal guide
Affordability that accounts for everyday life.
Assess recurring income alongside essential expenses, existing debt, and the proposed payment. Distinguish stable receipts from transfers or one-off inflows so an account balance does not stand in for repayment capacity.
Bring the evidence together
- Supported recurring income
- Existing and proposed obligations
- Residual cash and liquidity
Keep watching
Changes in income regularity, payment burden, and available cash.
PERSONAL / REVIEW CONTEXTWhat remains after the household meets its commitments?
ACROSS THE RELATIONSHIPFrom the first assessment
From the first assessment
to the next review.
02
Assess supported capacity
Review income quality, payment commitments, and liquidity using consistent time windows.
03
Follow the relationship
Compare new permitted evidence with the assessment baseline and make missing coverage visible.
INSIGHTS
Understand the assessment.
Bring the agreed evidence snapshot, supported calculations, and findings into a reviewable underwriting context.
Explore underwritingSIGNAL
Follow what changes.
Monitor existing relationships and reassess permitted new evidence against the baseline, with source limitations visible.
Explore monitoringGO DEEPER BY SUBSEGMENTPractical guidance.
Practical guidance.
Grounded in the evidence.
Explore the detailed guides for Canada and the United States, including dated market context, assessment methods, implementation considerations, and source references.
INDUSTRY GUIDE
Personal
What remains after the household meets its commitments?
Read guideINDUSTRY GUIDEAuto
How do payment capacity and vehicle exposure fit together?
Read guideINDUSTRY GUIDEMortgage
Which assumptions behind affordability could change before renewal?
Read guideINDUSTRY GUIDEStudent
What is actually payable at this stage of the borrower’s life?
Read guideINDUSTRY GUIDERent
Does the evidence support the tenant’s share of the commitment?
Read guideDESIGN THE RIGHT SCOPEStart with your product.
Start with your product.
Define a useful review.
Agree the evidence sources, jurisdiction, product definitions, and decision responsibilities before implementation. Test missing information and exceptions as carefully as completed assessments.
Does Amlok set our affordability thresholds?
Your institution defines its policy and permitted use. Amlok supports assessment with evidence, calculations, and reviewable findings within the agreed scope.
Can a missing transaction be treated as a missed payment?
Not by itself. Assess contractual due amounts, account coverage, ledger adjustments, and source availability before interpreting an apparent payment gap.
How should we interpret market data and examples?
Public market observations provide context, not an Amlok performance claim or a universal approval threshold. Preserve geography, reporting period, product population, and denominator when comparing results. Page illustrations are fictional.
CONTINUOUS RISK INTELLIGENCE
Keep up with riskas fast as it changes
A point-in-time decision does not need to become a blind spot for the life of the deal.
Early signalRevenue trend changed-18% against baseline
Portfolio baseline90 daysContinuously refreshed
Monitoring activeRisk trajectory updatedEvidence attached · team notified