Modern decision applications increasingly need to do more than execute one rules-based transaction and forget it — they need to evaluate new facts as they arrive and update earlier conclusions accordingly. This challenge revives a mostly-unresolved Dec-2016 loan approval challenge and asks: how would you build this as a genuinely stateful, perpetually-running service today?
The scenario: a loan is approved once the borrower’s accumulated equity (across all known securities pledged) exceeds their accumulated debt plus the requested loan amount ($50,000). Borrower equity is computed as monthly income × 0.8 × loan term (in months); each pledged security contributes its own (equity − debt) to the running total. Peter’s monthly income is $4,000, his monthly debt is $2,500, and he’s requesting a 36-month loan — but the securities backing the loan may be reported incrementally rather than all at once, so the decision needs to be re-evaluated as each new piece of collateral information comes in.
Send your solutions to DecisionManagementCommunity@gmail.com, or open a pull request to add yours here.