...
A subclass of oc:Occurrence that means the event of determining the risk of something. For loans, we have a subclass called CreditRiskAssessment, which entails among other things, getting a credit report.
PostalAddress
There needs to be a way to spell out details of an address, city, street etc, ideally beyond just a string. Cities and zip codes are real things.
Properties
hasCreationDate (make it a subproperty of hasStartDate)
...