I work in a bank and you're laughably wrong. Computers are at best assisting in the lending process but more realistically they're completely ignored. There is NO AI (at least recognizably, you could argue that there's some sort of very simple expert model embedded in the 10 credit limits) involved in the process at all.

Out lending process is based on the judgment of a few specific individuals, with more involved clients requiring approval from more senior people. All steps of that process can be overturned by the overseeing person, and that person is accountable for their decision.

I didn't say there was AI.