Lending · Agent pack
Credit application intake
Cadre pack · Onramp
Assembles a verified underwriting package or returns an incomplete file for resolution.
Demonstrated on representative cases. Source coverage, thresholds, policy interpretation, escalation design, and performance require institution-specific validation.
Operating dossier
The job, permitted decisions, and owner
Mandate
Checks supplied application and credit-file data, returning an underwriting package or explicit data-quality and incompleteness flags.
- Case arrives with
- Applicant · Product · Requested amount · Term
- Allowed outcomes
- Complete · Incomplete
- Where it fits
- Application to Decision
Operating logic
- 01Verifies a submitted application and assembles the package the underwriter works from: required fields, the bureau pull, the pre-loan debt-to-income ratio.
- 02Makes no credit decision and is designed not to receive or seek protected characteristics; its role is limited to the supplied credit-relevant facts.
- 03Surfaces data-quality problems as flags: missing fields, thin files, and a disputed derogatory are routed for resolution instead of being silently treated as settled inputs.
- 04Marks the package not ready for underwriting when it is incomplete, unscorable, or carries an unresolved dispute that bears on the decision.
Decision logic
- 01Verifies a submitted application and assembles the package the underwriter works from: required fields, the bureau pull, the pre-loan debt-to-income ratio.
- 02Makes no credit decision and is designed not to receive or seek protected characteristics; its role is limited to the supplied credit-relevant facts.
- 03Surfaces data-quality problems as flags: missing fields, thin files, and a disputed derogatory are routed for resolution instead of being silently treated as settled inputs.
- 04Marks the package not ready for underwriting when it is incomplete, unscorable, or carries an unresolved dispute that bears on the decision.
- Must not
- Use protected-basis fields in the decision path.
- Human owner
- Data conflicts and incomplete applications
- Evidence retained
- Structured outcome, observed path, and the source evidence used.
Case and record
One case, from supplied evidence to recorded decision
Supplied case
- Applicant
- Dana Whitfield
- Product
- auto
- Requested amount
- $31,000
- Term
- 60 months
- Credit score
- 768 (prime)
- Purpose
- vehicle purchase
View the case data
Case key L1-clean-auto
{
"applicationId": "L1"
}Evaluation and limits
Evaluation coverage and stopping points
Published evaluation map
Expected decisions, boundaries, and costly failure modes.
These cases show what the pack is asked to decide, when it should stop, and which plausible errors the evaluation is meant to expose. They are not a reliability score or independent validation.
Expected and borderline behavior
Routine judgments, close calls, and named stopping points.
prime auto, complete, scored
ready
Case key
L1-clean-autoprime card, complete
ready
Case key
L7-clean-cardno score / thin file
flag, not ready
Case key
L6-thin-fileactive FCRA dispute on a derogatory
flag, not ready
Case key
L13-fcra-dispute
Operating fit
Workflow placement and validation
Operating pattern
Decide, refer, or stop
Give the pack a short list of permitted decisions and require referral when the evidence cannot support one.
Decision sequence and workflow placement
- 01Receive the case
- 02Gather named evidence
- 03Apply the decision rules
- 04Decide or refer
- 05Record the decision and owner
Wider workflows
Institution-specific validation
These questions remain open until the pack is fitted to an institution.
Validation questions
- Policy and legal interpretation
- Source coverage, quality, and freshness
- Thresholds and exception calibration
- Integration and degraded-mode behavior
- Human approval and escalation design
- Performance on the institution’s own case mix
Inputs, actions, and outcomes
- Applicant
- Product
- Requested amount
- Term
- Credit score
- Purpose
- Get applicationget_application
- Get credit reportget_credit_report
- Record intakecommitrecord_intake
- Complete
- Incomplete
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