Assembles the full underwriting picture (bureau, alternative data, verified income, collateral) and drafts a decision recommendation with counteroffer options and explainable reason codes for a human underwriter on non-auto-decisioned files.
Not yet specifiedAssistiveComplexity: High
This agent is in the backlog. Registered interest decides which agents are specified and prototyped next.
What it does
Aggregate bureau tradelines, cash-flow and alternative data
Compute DTI/PTI/LTV and policy exceptions
Draft approve/counter/decline recommendation with reason codes
Explain model drivers
Package file for underwriter review
Systems and data it works with
LOS decision engine
Bureau APIs
ML scoring platform (Upstart-style models with 1,000+ variables)