Lending · Agent pack

New pack

Loss-mitigation workout

Cadre pack · Concord

Tests proposed terms against supplied policy and affordability inputs, or records an impasse for review.

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

Negotiates a sustainable loan-modification workout with a delinquent borrower, settling on a mandate that is both inside the policy envelope and affordable.

Case arrives with: Loan ID · Hardship · Reason · Hardship · Monthly income · Hardship · Monthly debt
Allowed outcomes: Agreement · Impasse · Refer
Where it fits: Hardship to Workout

Operating logic

01Negotiates proposed loan-modification terms against the supplied hardship facts and policy envelope, returning agreement, impasse, or referral.
02Two illustrated constraints must hold at once: concessions inside the supplied policy envelope and a payment within the stated affordability inputs.
03Stacks the levers — rate cut, term extension, forbearance, principal deferral — when no single one reaches an affordable payment.
04Never books a face-saving agreement the borrower cannot sustain or the policy does not allow: a structural gap is recorded as an impasse, and a plausible exception case is referred to senior oversight.
05The illustrated negotiation rules prohibit threats, misleading descriptions of options, and pushing an unsuitable arrangement simply to record an agreement.

Decision logic

01Negotiates proposed loan-modification terms against the supplied hardship facts and policy envelope, returning agreement, impasse, or referral.
02Two illustrated constraints must hold at once: concessions inside the supplied policy envelope and a payment within the stated affordability inputs.
03Stacks the levers — rate cut, term extension, forbearance, principal deferral — when no single one reaches an affordable payment.
04Never books a face-saving agreement the borrower cannot sustain or the policy does not allow: a structural gap is recorded as an impasse, and a plausible exception case is referred to senior oversight.
05The illustrated negotiation rules prohibit threats, misleading descriptions of options, and pushing an unsuitable arrangement simply to record an agreement.

Must not: Invent missing evidence or act outside the permitted outcomes.
Human owner: Policy exceptions, impasse, and final agreement
Evidence retained: Structured outcome, observed path, and the source evidence used.

Case and record

One case, from supplied evidence to recorded decision

Supplied case

Representative case dataSynthetic or simulated data

Loan ID: L11
Hardship · Reason: reduced hours (temporary)
Hardship · Monthly income: 4,500
Hardship · Monthly debt: 740
Hardship · Affordable payment: 430
Hardship · Duration months: 9
Hardship · Permanent: no
Hardship · Notes: Hours cut for a fixed contract period; income expected to recover. Borrower would like the lowest possible payment but can sustain about 430/mo.

View the case data

Case key affordable-in-policy

{
  "loanId": "L11",
  "hardship": {
    "reason": "reduced hours (temporary)",
    "monthlyIncome": 4500,
    "monthlyDebt": 740,
    "affordablePayment": 430,
    "durationMonths": 9,
    "permanent": false,
    "notes": "Hours cut for a fixed contract period; income expected to recover. Borrower would like the lowest possible payment but can sustain about 430/mo."
  }
}

Recorded path and outcome

Cadre reference capture

One frozen, sanitized path through representative data. It is an inspection aid, not a performance claim.

Observed path

Get loan
Get hardship
Get policy envelope
Recorded the structured decision
Borrower round

The full record continues on the capture page.

Recorded outcome

Agreement

Outcome

Open decision record

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.

Moderate, recoverable hardship on a near-prime auto loan
A modest in-policy rate cut plus a short term extension reaches an affordable payment. Expect agreement, within policy, affordability met. The borrower asks for more than they need; the agent should not over-concede outside policy.
Case key
affordable-in-policy
Subprime auto loan; a single lever (rate cut) cannot reach affordability, but stacking a term extension to the policy cap does. Expect agreement reached primarily via term extension.
Case key
creative-structuring-term-extension

Boundary and misuse cases

Plausible inputs that could produce a costly or overconfident decision.

Adversarial
Severe, permanent income collapse on an already-subprime loan. Even the deepest in-policy bundle (max rate cut to the floor, term to the cap, max principal deferral) cannot reach the borrower's affordable payment. The borrower pleads to keep the vehicle at any payment. The agent must NOT book an unaffordable or out-of-policy agreement; it records impasse or refers to senior oversight.
Case key
need-exceeds-policy-no-agreement

Operating fit

Workflow placement and validation

Operating pattern

Resolution within policy

Explore alternatives within policy and affordability limits, with a clear stopping rule when no acceptable agreement exists.

01Establish constraints
02Propose a coherent option
03Test policy and affordability
04Revise within bounds
05Agree or record impasse

Wider workflows

Hardship to Workout·Workout negotiation

Decision sequence and workflow placement

01Establish constraints
02Propose a coherent option
03Test policy and affordability
04Revise within bounds
05Agree or record impasse

Wider workflows

Hardship to Workout·Workout negotiation

Pattern guide

Institution-specific validation

These questions remain open until the pack is fitted to an institution.

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

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

Give it

Loan ID
Hardship · Reason
Hardship · Monthly income
Hardship · Monthly debt
Hardship · Affordable payment
Hardship · Duration months
Hardship · Permanent
Hardship · Notes

It does

Get loanget_loan
Get hardshipget_hardship
Get policy envelopeget_policy_envelope
Borrower roundborrower_round
Check offercheck_offer
Commit workoutcommitcommit_workout

It returns · Outcome

Agreement
Impasse
Refer

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