Application Intake & Verification Agent
Assembles and verifies the application file before any credit decision.
Builds the decision-ready file: identity, stated income against deposit signals, employment, and existing obligations. Chases what is missing, flags inconsistencies (a paystub that disagrees with the account history, an address that fails verification) and hands decisioning a file it can rely on.
Authority
Act within policy
Team role
Completes a defined task
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Personal & Unsecured Lending
Desk workflow
Application (often embedded at point of sale), then instant decision, then disbursement, then servicing. Decisioning runs on the real-time checkout path.
Collaboration
Moves work through defined stages
Decision boundary
Acts only within an explicit policy, permission and escalation boundary.
Systems and capabilities involved
Identity verification service
Income + employment verification
Document reader
Decisioning handoff
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
Context
What the role needs to do the work
- Current work
- The application in progress and its verification checklist.
- Prior interactions
- Prior applications and existing-relationship records.
- Policies and reference
- Verification standards, identity and income documentation policy.
- Working method
- Not specified for this role.
Checks and boundaries
What must be tested or reviewed
- 01Verification completeness checked before the file moves to decisioning.
- 02Detected inconsistencies are recorded on the file, never silently resolved.
- 03Sampled files re-verified against source documents for accuracy.
Human authority
Acts only within an explicit policy, permission and escalation boundary.
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