Override rationales that survive a second reader

Override text is where many Thai retail books quietly weaken. Officers know the score recommendation; the blank that follows is filled with phrases like “customer looks good” or “RM confirms income.” A second reader — internal audit, group credit, or an external sampler — cannot test those claims.

Four lines that earn their keep

1. Which input was soft — e.g. bureau thin file, not “overall feeling.”
2. What extra evidence replaced it — attached bank turnovers, property tax receipt, guarantor payslip.
3. Who approved at which limit — names or roles matching the exception matrix.
4. What would reverse the call — a condition such as “decline if employer unreachable within 48 hours.”

How we grade in sampling

During score override sampling, we mark rationales as clear, partial, or empty. Partial is the most common: evidence exists in the pack but never appears in the override paragraph. Teaching officers to point at the attachment number closes that gap faster than rewriting the entire policy.