Enterprise Business Loan Origination System

Core Logic

Acts as the master workflow coordinator using task planning algorithms to create execution plans, assign work to specialist agents, manage inter-agent communication via message routing, and monitor progress with real-time alerting. Handles task dependencies and ensures optimal agent utilization across the processing pipeline.

Core Logic

Employs OCR processing to extract text from images and PDFs, named entity recognition (NER) to identify business entities and financial values, and cross-reference validation to ensure data consistency. Automatically flags discrepancies and verifies extracted amounts against stated figures.

Core Logic

Integrates with credit bureau APIs (Experian, TransUnion) to pull comprehensive reports, runs proprietary credit risk models to calculate probability of default (PD), and analyzes historical payment patterns using trend detection algorithms. Provides detailed credit tier classification with supporting evidence.

Core Logic

Performs multi-layered fraud analysis including identity verification via KYC APIs, device fingerprinting to detect suspicious devices, IP analysis to identify VPNs/proxies, and pattern detection using anomaly models. Cross-references applications against fraud databases and generates risk scores with detailed evidence.

Core Logic

Calculates comprehensive financial ratios including DSCR (Debt Service Coverage Ratio), DTI, current ratio, quick ratio, and operating margins. Performs industry benchmarking against peer companies, projects future cash flows using scenario analysis, and generates health scores with actionable insights.

Core Logic

Runs automated compliance checks against ECOA fair lending requirements, validates TILA disclosure completeness, performs BSA/AML screening including sanctions list verification, and generates required adverse action notices when applications are declined. Maintains audit trails for regulatory examination.

Core Logic

Aggregates findings from all specialist agents, applies configurable credit policy rules through a decision engine, calculates risk-adjusted pricing using base rates plus risk premiums, and generates comprehensive loan decisions with full explainability. Supports approved, conditional, decline, and manual review outcomes.

Core Logic

Analyzes real-time economic indicators including Fed policy and interest rate trends, tracks industry-specific performance metrics and default rates, monitors competitor rates and products, and provides market condition assessments (bullish/bearish) to inform pricing and risk appetite decisions.

Core Logic

Evaluates how each new loan impacts overall portfolio concentration by industry and risk tier, runs stress test scenarios against economic downturn conditions, calculates correlation risk between portfolio segments, and provides diversification scores with concentration warnings when limits are approached.