CAIBots · Credit Underwriting Platform

The Intelligent
Underwriting Engine

From application to decision-ready in minutes — not days or weeks.

7 specialized AI agents run in parallel across financial spreading, credit bureau, collateral valuation, risk & policy, compliance screening, and synthesis — delivering audit-ready credit decisions designed for your SR 11-7 model validation — across 20 governed scenarios spanning nine loan types — HELOC to syndicated to agricultural.

▶ Run Agent Pipeline ↓ Download Demo Brief → View Pilot Plan

3.0s

Orchestration
Compute*

4.2hr

Manual UW
Time Saved

99%

Faster Than
Manual

7‖

Parallel
Sub-Agents

<0.5%–.08

AI Inference
Per Decision

*Two-clock model: ~3s orchestration compute in the demo environment · production runtime 10s–30min by loan type (external data-source latency) · AI inference cost excludes third-party data fees (bureau, AVM, CoStar — institution pass-through)

HELOC Auto-Decision

SBA 7(a) Underwriting

CRE & I / ABL Spreading

Construction Draw Analysis

Syndicated Credit

DSCR Alert & Monitoring

Maturity Renewal

Fair Lending ECOA/HMDA

Collateral Valuation

Credit Officer Workbench

SR 11-7 Model Governance

Reg B Adverse Action

Fair Lending Dual Sign-Off

Committee Authorization

HELOC Auto-Decision

SBA 7(a) Underwriting

CRE & I / ABL Spreading

Construction Draw Analysis

Syndicated Credit

DSCR Alert & Monitoring

Maturity Renewal

Fair Lending ECOA/HMDA

Collateral Valuation

Credit Officer Workbench

SR 11-7 Model Governance

Reg B Adverse Action

Fair Lending Dual Sign-Off

Committee Authorization

Parallel Agent Architecture

7 Agents. One Synchronized Decision.

Every agent runs simultaneously the moment a loan application enters the pipeline. No sequential bottlenecks. No hand-off delays.

Consumer / HELOC SBA 7(a) CRE&I / ABL Construction Syndicated Auto-Decision DSCR Alert Maturity Renewal

FS · Financial Spreading

Financial Spreading Agent

GSFA · EDGAR · Finity · IRS 4506-C

Ingests tax returns, CPA financials, and EDGAR filings. Normalizes spreads across 3–5 year history. Computes DSCR, leverage, liquidity, and trend analytics in real time.

CS · Credit Scoring

Credit Scoring & Bureau Agent

MCO · SBA SBSS · D&B Paydex · Tri-Merge

Pulls and reconciles tri-merge credit reports, SBA SBSS scores, commercial D&B ratings. Flags derogatory history, tradeline anomalies, and policy score thresholds.

CV · Collateral Valuation

Collateral Valuation Agent

CoreLogic AVM · ATTOM · CoStar · FHFA

Multi-source property valuation across residential, commercial, and industrial asset classes. Applies LTV/LTC constraints, lien position analysis, and appraisal comparison logic.

RP · Risk & Policy

Risk & Policy Agent

Credit Policy Engine · Exceptions · Risk Grade 1–10

Applies institution-specific credit policy matrix. Assigns risk grade (1–10), identifies policy exceptions, and quantifies exception justification scoring for officer review.

CO · Compliance

ECOA / HMDA / CRA Agent

Fair Lending Engine · CECL · Reg B · HMDA LAR

Screens every decision for fair lending risk, HMDA reportability, CRA eligibility, and Reg B adverse action notice generation. Integrates CECL reserve impact estimates.

SY · Synthesis

Synthesis & Credit Memo Agent

LOS / EDGAR Live · Workbench Output

Assembles all sub-agent outputs into a structured credit memo. Routes auto-decision or surfaces officer workbench with risk narrative, exception log, and approval recommendation.

ORC · Orchestrator

Orchestrator Agent

LOS Integration · Pipeline Controller

Manages parallel execution, resolves agent conflicts, and enforces SLA timing. Triggers HITL gates when policy exceptions or regulatory flags require credit officer sign-off.

Data Intelligence Layer

5 Source Tool Categories

Connector architecture across financial data, bureau, property intelligence, and regulatory engines — designed for institution-credentialed activation during deployment.

RAG · Financials

Financial Spreading

GSFA · EDGAR · Finity · IRS 4506-C

API · Bureau

Credit & Scores

MCO · SBA SBSS · D&B Paydex · Tri-Merge

API · Property

Collateral Data

CoreLogic · ATTOM · CoStar · FHFA HPI

SQL · Policy

Credit Policy

Policy Matrix · Exception Engine · Risk Grades

KG · Compliance

Reg Intelligence

Fair Lending · HMDA LAR · CECL · Reg B

Design Targets · Demo Environment

Impact By The Numbers

Was: 4.2 hours

3.0s

99.98% Faster

Orchestration Compute (Demo)

Was: $45–$120

$0.14–$0.90

99%+ Lower Cost

AI Inference · % of cost · Data Fees Excl.

Was: Sequential

7‖

Parallel Execution

Simultaneous Agents

Was: Manual Review

100%

Disparate-Treatment Screen

ECOA / HMDA · DI Analytics: Roadmap

Was: 5 Systems

Unified Workflow

Credit Officer Touchpoint

Decision Scope

Every Loan Type, One Platform

Pre-tuned agent configurations for each major loan category — from consumer HELOC auto-decisioning to complex syndicated credit packages.

Scenario 01

Consumer / HELOC

Auto-decision pipeline for consumer credits. Tri-merge bureau pull, AVM collateral, score-based policy matrix, instant Reg B notice.

Auto-DecisionAVMReg B

Scenario 02

SBA 7(a)

Full SBA eligibility analysis, SBSS scoring, SOP 50-10 compliance check, treasury rate spread, and guarantee fee computation.

SBSSSOP 50-10SBA Guarantee

Scenario 03

CRE & I / ABL

Commercial real estate and asset-based lending with multi-year financial spread, DSCR, LTV, borrowing base cert, and global cash flow.

DSCRLTV/LTCABL Borrowing Base

Scenario 04

Construction

Draw request analysis, project completion tracking, contingency reserve review, title continuation, and interest reserve adequacy.

Draw AnalysisLTCCompletion Risk

Scenario 05

Syndicated Credit

Agent bank / participant analysis, shared national credit risk rating, covenant tracking, cross-default review, and agent bank reporting.

SNC ReviewCovenantsParticipant Mgmt

Scenario 06

DSCR Alert

Continuous portfolio monitoring for DSCR deterioration. Automated watchlist trigger, covenant breach notification, and remediation workflow initiation.

Portfolio MonitorWatchlistCovenant Breach

Scenario 07

Auto-Decision

Zero-touch approval for qualifying credits. Score gate, policy filter, fair lending check, and instant LOS update — no analyst required.

Zero-TouchScore GatePolicy Filter

Scenario 08

Maturity Renewal

Annual review and maturity renewal with updated financial spreads, collateral refresh, risk grade migration, and renewal memo generation.

Annual ReviewGrade MigrationRenewal Memo

Business Case

The ROI Is
Calculable. Not Estimated.

Every benefit component modeled by loan type — HELOC, SBA 7(a), CRE, Construction, Syndicated — against your actual portfolio mix, analyst rates, and institution profile. With the full platform cost shown.

Build Your Business Case → Takes under 2 minutes

Illustrative · Community Bank · 1,200 apps/yr · 4 analysts · ops savings only · 75% utilization benchmark. Actual results vary by institution profile and operating model.

Illustrative · Community Bank · $180M Portfolio

$237K

Annual Net Savings

6mo

Payback Period

2.3

FTE Freed

Labor Savings (by loan type)$205K

Compliance & Exception Savings$113K

Credit Quality + CECL Uplift+ additional

Platform cost: $80K/yr (community-bank tier · $150K–$1.2M by asset tier — see calculator) · 4 credit analysts · 1,200 applications/yr

Regulatory Framework

Built for Examiners, Not Just Lenders

Every decision carries a complete audit trail. Every output ships with the model documentation and audit artifacts your SR 11-7 model validation requires — validation is completed by your MRM function during the pilot.

SR 11-7 Model Risk ECOA · 12 CFR §202 HMDA · Reg C CRA Performance Reg B Adverse Action OCC Bulletin 2011-12 CECL Reserve Impact FFIEC Guidance Fair Lending Testing Methodology SBA SOP 50-10

Documentation Suite