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Credit Underwriting · Agentic AI
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Platform Documentation · Credit Underwriting AI

Platform Capability
Matrix

Credit Underwriting Agentic AI · V1.1

Production Ready Phase 2 Roadmap Out of Scope
PlatformCAIBots Credit Underwriting Agentic AI Architecture7 Parallel Sub-Agents · 5 Source Tool Categories Loan TypesConsumer · SBA · CRE&I · Construction · Syndicated · Renewal ComplianceSR 11-7 · ECOA · HMDA · CRA · Reg B · OCC 2011-12 VersionV1.1 · March 2026 ClassificationConfidential · Authorized Personnel Only
CAIBots · caibots.com Architecture V1.1 · Credit Underwriting Platform © 2025–2026 CAIBots · All Rights Reserved
Capability Matrix · Credit Underwriting AI · V1.1
01
Platform Overview
Credit Underwriting Agentic AI — At a Glance
Performance benchmarks and coverage metrics for the 7-Agent Credit Underwriting Pipeline.
7
Parallel
Sub-Agents
5
Source Tool
Categories
8
Loan Type
Scenarios
3.0s
Pipeline
Runtime
SR 11-7 Model Risk Governance

Every agent output is traceable, auditable, and explainable. CAIBots Credit Underwriting AI ships with pre-built model documentation, validation protocols, and examiner-ready audit trails that satisfy OCC/Federal Reserve SR 11-7 requirements from day one of deployment.

Platform Design Principles

CAIBots Credit Underwriting Agentic AI is purpose-built for regulated financial institutions. Unlike generic LLM wrappers, the platform operates on a deterministic orchestration layer with bounded agent behaviors, mandatory HITL gates at policy exception thresholds, and full LOS bi-directional integration.

All source tool connections use institution-credentialed API keys — no data leaves the customer's data boundary. Synthetic demo data is used in all demo environments.

Capability Matrix · Credit Underwriting AI · V1.1
02
Agent Capability Coverage
7 Sub-Agent Feature Matrix
Production-ready capabilities, Phase 2 roadmap items, and out-of-scope boundaries for each agent.

Financial Spreading Agent (FS)

Capability
Status
Notes
3–5 Year Financial Spread (P&L, Balance Sheet, Cash Flow)
Production
GSFA normalization engine · Supports CPA, tax, compiled, reviewed statements
IRS 4506-C Verification Pull
Production
Real-time IRS transcript comparison · Flags material discrepancies automatically
EDGAR / SEC Filing Ingestion
Production
10-K, 10-Q, 8-K, S-1 · Public company and SPAC support
Global Cash Flow Analysis
Production
Guarantor + entity consolidation · Add-back normalization
DSCR Computation (NOI / Debt Service)
Production
DSCR 1.0x–2.0x threshold alerts · Stress test at +200bps
Trend Analysis & Deterioration Flags
Production
YoY revenue/margin/EBITDA delta with directional risk scoring
Personal Tax Return Analysis (1040)
Phase 2
Schedule C/E/F extraction planned for Q3 2026
Real-Time Accounting System Integration
Out of Scope
QuickBooks/Xero direct API outside current scope

Credit Scoring & Bureau Agent (CS)

Capability
Status
Notes
Tri-Merge Credit Bureau Pull (Equifax, Experian, TransUnion)
Production
MCO integration · Authorized use only · No consumer PII retained
SBA SBSS Score Retrieval
Production
SBA 7(a) eligibility gate · SBSS ≥155 threshold enforcement
D&B Paydex Commercial Score
Production
Commercial entity scoring · DUNS verification
Derogatory History Pattern Recognition
Production
BK flags, charge-offs, collections, judgments · Rolling 7-year window
Policy Score Threshold Enforcement
Production
Configurable FICO/VantageScore minimum gates by loan type
FICO Score Migration (FICO 10T)
Phase 2
FICO 10T / VantageScore 4.0 trended data — Q4 2026
Capability Matrix · Credit Underwriting AI · V1.1

Collateral Valuation Agent (CV)

Capability
Status
Notes
CoreLogic AVM (Residential)
Production
SFR, 2-4 unit, condo · Confidence interval scoring
ATTOM Property Intelligence
Production
Deed data, tax assessments, distress signals, HOA status
CoStar Commercial Valuation
Production
Office, retail, industrial, multifamily · Cap rate comps
FHFA HPI Index Benchmarking
Production
MSA-level price trend · Stress testing against HPI decline scenarios
LTV / LTC Constraint Enforcement
Production
Policy-configured LTV max by loan type · Auto-flag on breach
Lien Position & Title Search
Production
First/second lien priority · Open lien identification
Environmental Risk Flag (Phase I)
Phase 2
EPA/ECHO integration for commercial collateral — Q3 2026

Risk & Policy Agent (RP)

Capability
Status
Notes
Risk Grade Assignment (1–10 Scale)
Production
Configurable per institution's risk rating scale · Mapping to pass/watch/special mention/substandard
Credit Policy Matrix Enforcement
Production
Institution-uploaded policy rules · Exception auto-identification
Exception Scoring & Justification
Production
Mitigating factor analysis · Exception severity 1–5 scoring
Concentration Risk Flagging
Production
Industry/geography/borrower concentration against portfolio limits
Stress Test Scenario Engine
Production
Rate +200bps, revenue -20%, vacancy +15% stress scenarios
CECL Reserve Estimate
Phase 2
PD/LGD/EAD reserve calculation integration — Q3 2026

ECOA / HMDA / CRA Compliance Agent (CO)

Capability
Status
Notes
Fair Lending Risk Screen (ECOA/Reg B)
Production
Disparate treatment detection · Protected class flag suppression in decisioning
HMDA LAR Reportability Assessment
Production
12 CFR Part 1003 determination · Data field pre-population for LAR submission
Reg B Adverse Action Notice Generation
Production
30-day notice · FCRA reason codes · Compliant notice template output
CRA Eligibility Scoring
Production
Assessment area match · LMI census tract flag · Small business loan tag
Disparate Impact Analysis
Phase 2
Portfolio-level DI analysis across protected classes — Q4 2026
Capability Matrix · Credit Underwriting AI · V1.1
03
Data Intelligence Layer
Source Tool Categories
Pre-integrated data connectors across 5 categories. No custom data pipeline work required for production deployment.
RAG · Financials
Financial Data Sources
Financial Spreading Agent
Integrations: GSFA (Global Spreading & Financial Analysis) · EDGAR Live · Finity Financial Intelligence · IRS 4506-C Transcript
Retrieval-augmented extraction of structured financial data from tax returns, audited/compiled/reviewed statements, SEC filings, and IRS transcripts. Normalizes across GAAP, tax basis, and modified cash basis reporting. Supports U.S. GAAP and IFRS for international subsidiaries.
API · Bureau
Credit & Bureau Intelligence
Credit Scoring Agent
Integrations: MCO (Tri-Merge Bureau) · SBA SBSS Score · D&B Paydex · Transunion · Equifax · Experian
Real-time bureau pulls with institution-credentialed permissible purpose. Score reconciliation across bureaus with conflict resolution logic. Commercial D&B Paydex for entity scoring. SBA SBSS for 7(a) eligibility screening.
API · Property
Collateral & Property Data
Collateral Valuation Agent
Integrations: CoreLogic AVM · ATTOM Data Solutions · CoStar Group · FHFA House Price Index
Multi-source property intelligence across residential, commercial, industrial, and land. Confidence-interval AVM with fallback to paired-sales approach. CoStar cap rate comps for income-producing CRE. FHFA HPI for stress scenario modeling.
SQL · Policy
Credit Policy Engine
Risk & Policy Agent
Integrations: Institution Policy Matrix (configurable) · Exception Tracking System · Risk Grade Lookup · Concentration Limit Monitor
Institution-specific credit policy rules uploaded at onboarding. SQL-queryable policy matrix with versioning and audit trail. Exception identification, scoring, and mitigating factor analysis. Supports multiple policy books by business unit or loan type.
KG · Compliance
Regulatory Intelligence
ECOA / HMDA / CRA Agent
Integrations: Fair Lending Engine · HMDA LAR System · CECL Reserve Module · Reg B Notice Generator · CRA Assessment Area Map
Knowledge graph of federal lending regulations updated quarterly. Fair lending proxy suppression, HMDA reportability decision tree, CRA performance tracking, and automated Reg B adverse action notice generation with FCRA reason codes.
Capability Matrix · Credit Underwriting AI · V1.1
04
Loan Type Coverage
Agent Coverage by Loan Scenario
Production-ready agent activation per loan type. Phase 2 items are on the 2026 roadmap.
Agent
Consumer / HELOC
SBA 7(a)
CRE & I
ABL
Construction
Syndicated
DSCR Alert
Renewal
Financial Spreading
✓
✓
✓
✓
✓
✓
✓
✓
Credit & Bureau
✓
✓
✓
✓
✓
P2
✓
✓
Collateral Valuation
✓
✓
✓
P2
✓
✓
✓
Risk & Policy
✓
✓
✓
✓
✓
✓
✓
✓
ECOA / HMDA / CRA
✓
✓
✓
✓
✓
✓
✓
Synthesis / Credit Memo
✓
✓
✓
✓
✓
✓
✓
✓
Auto-Decision Gate
✓
✓
HITL Gate Thresholds by Loan Type

Auto-decision is available only for Consumer/HELOC (score ≥ policy minimum, no exceptions, DSCR N/A) and DSCR Alert monitoring (no HITL required for watchlist flag; HITL required for covenant breach action). All other loan types route to the Credit Officer Workbench for final approval with AI-generated recommendation and full audit trail.

CONFIDENTIAL · FOR AUTHORIZED PERSONNEL ONLY CAIBots · caibots.com · Not legal or credit advice Capability Matrix V1.1 · Credit Underwriting AI