-Crediwise

🏦 CrediWise - Smart Loan Eligibility System

CrediWise is a full-stack financial technology application designed to bridge the gap between borrowers and lenders. It uses a custom Eligibility Engine to evaluate financial health, simulate credit scores, and provide transparent approval/rejection analysis.

🌐 Live Demo: credwise-five.vercel.app

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🚀 Key Features

• 🧠 Smart Eligibility Engine: Evaluates users against strict lender constraints (Income, FOIR, Credit Score, Employment).
• 📊 Credit Score Simulator: Estimates creditworthiness using alternative data points if a formal score is unavailable.
• ⚖️ FOIR & DTI Calculation: Automated Debt-to-Income analysis to prevent over-leveraging.
• 🔍 “Why Not?” Transparency: Detailed reports explaining exactly why an application was rejected.
• 🔄 What-If Simulator: Interactive sliders to see how changing income or tenure affects eligibility.
• 🛡️ Secure Auth: Integrated Firebase Authentication with JWT-protected Node.js routes.
• 💼 Admin Dashboard: Management portal for lenders to update loan products and view metrics.

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🛠️ Technical Architecture

Tech Stack

• Frontend: Vanilla JavaScript (ES6+), HTML5, CSS3
• Backend: Node.js, Express.js
• Database: MongoDB (Mongoose ODM)
• Auth: Firebase Auth (Client) + Server-side JWT Verification
• Deployment: Vercel

System Logic (FOIR Thresholds)

| FOIR Range | Status | Outcome | | :— | :— | :— | | < 40% | ✅ HIGHLY ELIGIBLE | Matches with premium lenders | | 40% - 50% | ⚠️ CONDITIONAL | Requires alternative data/higher interest | | > 50% | ❌ REJECTED | Debt-to-Income ratio too high |

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📂 Project Structure

```text crediwise-main/ ├── server/ # Backend Logic │ ├── config/ # DB & Firebase configurations │ ├── controllers/ # Request handlers (API logic) │ ├── services/ # The “Brain” (Eligibility Engine & Calculators) │ ├── models/ # Mongoose Schemas │ ├── routes/ # API Endpoints │ └── middleware/ # Authentication & Security ├── public/ # Frontend Assets │ ├── app.js # SPA State Management & UI Logic │ ├── firebase-init.js # Dynamic Firebase config │ ├── index.html # Main Entry Point │ └── style.css # Custom UI/UX Design └── package.json # Dependencies