Pass/Fail Indicator

Here's an updated version of the credit card underwriting module that includes a Pass/Fail/Needs Review indicator:

class CreditCardUnderwriter:
    def __init__(self, credit_score, income, bank_account_history, kyc_passed, ofac_passed):
        self.credit_score = credit_score
        self.income = income
        self.bank_account_history = bank_account_history
        self.kyc_passed = kyc_passed
        self.ofac_passed = ofac_passed

    def evaluate_eligibility(self):
        if (
            self.credit_score >= 700
            and self.income >= 30000
            and self.bank_account_history >= 2
            and self.kyc_passed
            and self.ofac_passed
        ):
            return "Pass"
        elif (
            self.credit_score >= 600
            and self.income >= 25000
            and self.bank_account_history >= 1
            and self.kyc_passed
            and self.ofac_passed
        ):
            return "Pass"
        else:
            return "Needs Review"


class KYCVerifier:
    def verify_kyc(self, customer):
        # Perform KYC verification logic
        # Return True if KYC verification passes, False otherwise
        pass


class OFACChecker:
    def check_ofac(self, customer):
        # Perform OFAC check logic
        # Return True if OFAC check passes, False otherwise
        pass


# Example usage
credit_score = 720
income = 35000
bank_account_history = 2

customer = {
    "name": "John Doe",
    "address": "123 Main Street",
    "country": "United States",
    # Additional customer information
}

kyc_verifier = KYCVerifier()
kyc_passed = kyc_verifier.verify_kyc(customer)

ofac_checker = OFACChecker()
ofac_passed = ofac_checker.check_ofac(customer)

underwriter = CreditCardUnderwriter(
    credit_score, income, bank_account_history, kyc_passed, ofac_passed
)
eligibility_status = underwriter.evaluate_eligibility()

if eligibility_status == "Pass":
    print("Eligibility Status: Pass")
elif eligibility_status == "Needs Review":
    print("Eligibility Status: Needs Review")
else:
    print("Eligibility Status: Fail")

In this updated version, we modify the evaluate_eligibility method to return a Pass/Fail/Needs Review indicator instead of "Approved" or "Conditional Approval." Both Pass conditions return "Pass," while any other condition falls under "Needs Review." You can customize these conditions as per your specific underwriting rules.

In the example usage section, we handle the eligibility status using conditional statements. If the eligibility status is "Pass," we print "Eligibility Status: Pass." If it is "Needs Review," we print "Eligibility Status: Needs Review." For any other condition, we consider it a failure and print "Eligibility Status: Fail."

By introducing a Pass/Fail/Needs Review indicator, you can more effectively manage credit card applications that require further review or manual intervention, ensuring that you appropriately handle cases that don't meet the automatic approval criteria.