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Loan Credit Agents

AI Underwriting That Never Sleeps

The Loan Credit Agents automate every step of the underwriting process — from document ingestion to bureau pulls to credit memo generation — delivering accurate, explainable decisions in minutes. Use them prebuilt, create your own, or have us build them for you.

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Deploys with your existing LOS/LMS · No migration · No rip-and-replace

Credit MemoApproved

James Donovan LLC

Commercial RE · $1.2M request

DSCR
1.42x
LTV
68%
FICO (tri-merge)
724
Fraud Score
Low risk

Recommended approval — generated in 4m 12s

  • 80%
    Faster underwriting
  • < 5min
    Decision time
  • 99.7%
    Accuracy rate
  • 100%
    Audit-ready

How the Credit Agents Work

From document upload to credit memo in minutes — fully automated, fully auditable.

  1. Documents Ingested

    Borrower uploads tax returns, bank statements, and IDs. OCR extracts every field automatically.

  2. Bureau & Fraud Checks

    Tri-merge credit pull, OFAC screening, and multi-layer fraud analysis run in parallel.

  3. AI Analysis Runs

    The agents calculate DSCR, LTV, and every ratio — then map findings against your policy rules.

  4. Credit Memo Delivered

    A full, auditable credit memo with a recommended decision lands in your queue — ready to sign off.

Meet the Loan Credit Agents

Six prebuilt agents that form a complete automated underwriting stack — no spreadsheets, no waiting, no manual data entry.

  • Credit Memo Agent

    Synthesizes borrower financials, bureau data, and risk factors into a comprehensive, auditable credit memo — complete with a recommended decision and supporting rationale.

    • Full financial statement analysis
    • DSCR, LTV, and ratio calculations
    • Industry-specific risk benchmarks
    • Your policy-specific checks

  • Document Intelligence Agent

    Transcribes and extracts structured data from any document type using OCR + NLP — tax returns, bank statements, pay stubs, P&Ls — and intelligently labels and validates each field.

    • Supports PDF, image, scanned docs
    • Intelligent field extraction & mapping
    • Automated data validation
    • Exception flagging for human review

  • Bureau Data Agent

    Pulls credit reports directly from Experian, TransUnion, and Equifax in seconds. Merges tri-merge data, flags derogatory marks, and feeds the credit memo automatically.

    • Tri-merge credit pulls
    • FICO & VantageScore parsing
    • Tradeline & inquiry analysis
    • OFAC & watchlist screening

  • Fraud Detection Agent

    Multi-layer fraud prevention that combines document authenticity checks, identity verification, behavioral signals, and network analysis to catch fraudulent applications before funding.

    • Document authenticity verification
    • Identity cross-check (SSN, address, DOB)
    • Stacking & velocity detection
    • Synthetic identity flagging

  • Decision Agent

    Delivers clear approve, decline, or conditional decisions based on your policy rules. Every decision is explainable, documented, and ECOA/fair lending compliant.

    • Policy rule configuration (no-code)
    • Tiered approval logic
    • Counteroffer generation
    • Full adverse action support

  • Risk Analytics Agent

    Machine learning models trained on your historical portfolio data identify early-stage default risk, enabling proactive intervention before accounts reach delinquency.

    • Predictive default probability score
    • Portfolio stress testing
    • Vintage & cohort analysis
    • Concentration risk monitoring

Don't see the agent you need?

Every agent here is prebuilt and ready to deploy — but the TaskSuite platform also lets you create your own agents. And if you'd rather not build them yourself, our team will design, build, and deploy your custom agents for you.

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