AI-Powered Credit Risk & Loan Origination Platform
Deploys 7 specialized AI agents that execute a comprehensive loan processing pipeline in real-time. Each agent handles a specific stage (data ingestion, KYC, credit scoring, fraud detection, income verification, underwriting, decisioning) while providing detailed processing logs, confidence scores, and full audit trails for regulatory compliance and explainability.
Problem Statement
The challenge addressed
Solution Architecture
AI orchestration approach
Agentic loan processing pipeline interface showing multi-stage orchestration with application intake and identity verification complete, credit analysis in progress, and real-time agent status panel displaying Data Ingestion, Identity Verification, Credit Scoring, and Fraud Detection agents with processing metrics
Loan decision approved screen showing $35,000 loan at 12.47% APR with $778.25 monthly payment, credit assessment displaying 742 FICO 9 score in PRIME tier, fraud assessment at 8/100 (VERY_LOW risk), compliance verification badges for ECOA, TILA, State Usury, and FCRA, and borrower next steps workflow
Loan application review interface showing multi-step wizard with loan details, personal information, employment and income verification displaying applicant data including $125,000 annual income and 34% DTI ratio, with AI-powered processing stages indicator and authorization consent
Comprehensive processing results view showing completed Credit Analysis, Fraud Detection, Income Verification, and Underwriting stages with detailed agent logs, processing metrics (7/7 stages complete, 94% decision confidence), executive summary with key findings, and tool invocations trace for full audit trail transparency
AI Agents
Specialized autonomous agents working in coordination
Data Ingestion Agent
Loan applications arrive with varying data formats, incomplete fields, and potential validation errors that must be caught early before downstream processing.
Core Logic
Validates all application fields against schema requirements, normalizes addresses using geocoding services, verifies SSN format validity, checks loan amount against policy limits, and validates term length for loan type. Flags any validation failures with specific error codes and descriptions.
Identity Verification Agent
Identity fraud and money laundering require rigorous KYC/AML verification including watchlist screening, SSN validation, and identity document verification before processing can continue.
Core Logic
Integrates with Socure and LexisNexis APIs for identity verification. Performs SSN validation with Social Security Administration, OFAC/SDN watchlist screening, PEPs (Politically Exposed Persons) checks, adverse media screening, address history validation, and phone ownership verification. Generates comprehensive KYC scores with detailed component breakdowns.
Credit Scoring Agent
Credit assessment requires pulling reports from multiple bureaus, running various score models, analyzing credit history depth, and incorporating alternative data sources for thin-file applicants.
Core Logic
Performs tri-bureau credit pulls (Experian, Equifax, TransUnion), calculates FICO 9 and VantageScore 4.0, runs proprietary XGBoost ML model with 156 features, analyzes 7+ years of credit history, calculates utilization ratios and payment behavior metrics. Integrates Plaid cash flow analysis and rent payment history as alternative data. Provides SHAP-based explainability for internal model predictions.
Fraud Detection Agent
Application fraud includes synthetic identities, device manipulation, velocity abuse, and behavioral anomalies that require multi-layered detection combining rules and ML models.
Core Logic
Captures device fingerprints to detect VPNs, proxies, Tor, and emulators. Runs velocity checks on SSN, email, phone, and address usage. Performs synthetic identity detection using credit file age analysis and authorized user patterns. Executes behavioral analysis measuring form fill time, mouse movements, and typing patterns. Runs Isolation Forest anomaly detection. Generates fraud scores with detailed evidence for each risk signal.
Income Verification Agent
Stated income must be verified against actual deposits and employment records. Manual verification via pay stubs and employer calls is slow and easily falsified.
Core Logic
Connects to Plaid for instant bank account linking and 12-month transaction analysis. Automatically categorizes income deposits by source, calculates income stability scores, and detects secondary income streams. Integrates with The Work Number for employment verification including employer name, start date, and current status. Provides confidence scores based on data quality.
Underwriting Agent
Underwriting requires evaluating the 5 Cs of Credit, applying hundreds of policy rules, calculating risk-based pricing, and determining loan profitabilityโcomplex decisions that traditionally required senior underwriters.
Core Logic
Evaluates Character (credit history), Capacity (income/DTI), Capital (assets), Collateral (if applicable), and Conditions (economic factors). Runs 847+ policy rules with pass/warning/fail classifications. Calculates debt-to-income ratio against policy limits. Determines risk-adjusted pricing using base rate plus risk premium plus term adjustments. Models expected NPV and risk-adjusted return for profitability analysis.
Decision Engine Agent
Final loan decisions require aggregating all agent outputs, ensuring regulatory compliance, calculating approved terms, and generating the complete decision package with disclosures.
Core Logic
Serves as the orchestrator for final decisioning, aggregating pass/fail status from all upstream agents. Runs compliance checks for ECOA fair lending, TILA disclosures, state usury laws, and FCRA requirements. Calculates final approved terms including amount, APR, monthly payment, and total repayment. Generates next steps for the borrower and prepares the complete document package (loan agreement, disclosures, Truth in Lending, privacy notice).
Worker Overview
Technical specifications, architecture, and interface preview
System Overview
Technical documentation
Tech Stack
5 technologies
Architecture Diagram
System flow visualization