Cadre reference capture
A recorded path through an illustrative case.
Observed path
Get loan
Get hardship
Get policy envelope
Recorded the structured decision
7 more recorded steps in the full record.
Committed the contracted outcome
Lending · Example
Loss-mitigation workout
Cadre name · Concord
Tests proposed terms against supplied policy and affordability inputs, or records an impasse for review.
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 · Monthly income · 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
- Use protected-basis fields in the decision path.
- 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)
- Monthly income
- 4,500
- Monthly debt
- 740
- Affordable payment
- 430
- Hardship duration (months)
- 9
- Permanent hardship
- no
- Borrower 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
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-policySubprime 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.
Severe, permanent income collapse on a subprime auto loan
The need exceeds the deepest in-policy package, and the borrower will accept any payment to keep the vehicle. The right outcome is an impasse, or a referral 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.
Decision sequence and workflow placement
- 01Establish constraints
- 02Propose a coherent option
- 03Test policy and affordability
- 04Revise within bounds
- 05Agree or record impasse
Wider workflows
Institution-specific validation
These questions shape how the example fits 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
Give it
- Loan ID
- Hardship reason
- Monthly income
- Monthly debt
- Affordable payment
- Hardship duration (months)
- Permanent hardship
- Borrower 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
Related examples