Credit Risk Assessment Agent

Credit Risk Assessment Agent

Assess borrower risk with explainable features and an audit‑ready trail.

24%

Lift in Approvals (at constant loss rate)

39%

Fewer Manual Reviews

17%

Reduction in 90+ DPD at Origination

What this agent does

Our production-ready credit risk assessment agent consolidates financial data, computes risk features, scores creditworthiness, and produces an exhaustive report with human‑in‑the‑loop controls.

Step 01

Information Gathering

Validate & unify inputs

→ applicant profile.

Step 02

Assessment

Compute explainable cash‑flow & risk features

→ feature snapshot.

Step 03

Scoring & Risk Rating

Apply policy/ML + bias checks

→ score, band, reasons.

Step 04

Credit Report

Generate a standardized memo with citations

→ evidence pack.

Step 05

Decisioning

Approve/decline/review; suggest terms

→ policy log.

Step 06

Monitoring (optional)

Track behavior & macro signals

→ alerts & actions.

Integrations

Loan Origination System

Learning Management System

Core Banking Workflows

Salesforce

Snowflake

APIs

Looker

Guardrails

Built-in safeguards ensure responsible, compliant, and explainable AI.

PII safety

Field‑level masking and tokenization across documents and payloads.

Policy enforcement

Allow‑listed tools & actions; reason‑coded blocks for out‑of‑policy attempts.

Human‑in‑the‑loop

Configurable review steps before commitment.

Bias & fairness checks

Score distribution and adverse‑impact monitoring (configurable groups).

Observability

Signed logs, full trace of prompts, tools, and decisions; export to SIEM.

Human‑in‑the‑loop

Configurable review steps before commitment.

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