im sick of lending decisions over my head be made based on "well he's good for it" or based on the capacity to pay vs. the propensity to pay....

example.... a couple came in today and applied for a loan, they have household income of 125k but their debt to income is lingering around 50%... our standard for unsecured lending is max 33%. these people have scores in the low 500's and have a bad payment history but they are getting the loan because they make good money. if somebody with 30k household applied for the same loan with the same scores at 50% they would be up shit creek... its stupid, i called my boss out on it and he said "well at 125k they are able to make the payments" but IMO it doesnt mean they will. we are just enforcing their belief that since they make good money, they dont have to make their payments to get loans...