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Executive Demo Brief · Credit Underwriting AI
Credit Underwriting
Agentic AI
Seven specialized agents process nine loan types — HELOC to construction draw to crop-year ag — in seconds of orchestration compute (production runtime varies by loan type: two-clock model). Auto-decisions where safe, Credit Officer Workbench where required.
90-Day Pilot ReadySR 11-7 Validation SupportECOA · HMDA · CRA7 Parallel Agents20 Scenarios
7
Specialized Agents
~3s
Orchestration Compute
(two-clock model)
(two-clock model)
20
Scenarios · Full Decision Paths
$0.14–$0.90
AI Inference · % of cost
(data fees excluded)
(data fees excluded)
Section 01
Access
Demo Credentials
Demo Access
Username: cai or caibots
Password: Demo (capital D)
Live AI: paste sk-ant-… API key
Static mode requires no API key — all 20 scenarios run with pre-built credit memos. For live Claude-generated memos, click ⚙ in the AI ENGINE bar and paste a Claude API key (sk-ant-…).
Section 02
Product Overview
What the Pipeline Does
The moment a loan application hits the LOS, 7 specialized agents run in parallel — spreading financials, pulling bureau data, valuing collateral, enforcing policy, screening for fair lending, and assembling the credit memo. Human judgment is preserved at the HITL gate for complex credits.
FS
Financial Spreading Agent
EDGAR · IRS 4506-C · GSFA · Finity
CS
Credit Scoring & Bureau
MCO Tri-Merge · SBA SBSS · D&B Paydex
CV
Collateral Valuation
CoreLogic AVM · ATTOM · CoStar · FHFA HPI
RP
Risk & Policy Engine
Credit Policy Engine · Exception Engine · Risk Grades
CO
ECOA / HMDA / CRA Gate
Fair Lending · CECL · Reg B · HMDA LAR
SY
Synthesis & Credit Memo
LOS Integration · Credit Memo · Officer Workbench
OR
Orchestrator
Coordinates all agents · Audit trail · SR 11-7 logging
Section 03
Scenario Library
20 Scenarios — Every Decision Path
Each scenario runs the full 7-agent pipeline. HITL scenarios route to the Credit Officer Workbench — flip to the ⚠ AUTH tab to Approve, Counter, or Decline.
| Scenario | Type | What the Agent Does | Analyst Time | Manual Cost | AI Tokens |
|---|---|---|---|---|---|
HELOC Auto-Decision |
AUTO | Consumer home equity · FICO 762 · LTV 68% · Zero exceptions → auto-approve | 45 min | ~$64 | ~33k tok |
SBA 7(a) · Bakery |
HITL | Commercial SBA · FICO 694 (below 700 floor) · SBSS 162 · Policy exception → officer required | 4.5hr | ~$383 | ~220k tok |
CRE&I · Office Park |
HITL | $3.2M CRE · DSCR 1.28x · Rent roll + vacancy stress → senior officer required | 5hr | ~$425 | ~220k tok |
Construction Draw |
HITL | $8.5M construction · LTC 74% · Inspector cert · Zoning variance → CCO required | 8hr | ~$680 | ~220k tok |
ABL · TechPulse Mfg |
HITL | $2.1M revolving · Borrowing base · AR aging · Inventory eligibility → officer required | 4hr | ~$340 | ~220k tok |
Auto Score Gate |
AUTO | Personal installment · FICO 798 · Grade 2 · Zero exceptions → instant auto-approve | 15 min | ~$21 | ~33k tok |
DSCR Alert · Portfolio |
HITL | $4.2M CRE portfolio · DSCR 1.09x (covenant breach) · Special Mention → senior officer + MRM | 3.5hr | ~$298 | ~220k tok |
Maturity Renewal CRE |
HITL | $5.7M renewal · Updated DSCR 1.44x · Appraisal refresh · Grade migration 4→3 → officer required | 3hr | ~$255 | ~88k tok |
Syndicated · Apex Capital |
HITL | $42M lead-bank facility · SNC risk rating · Covenant package · Participant management → officer required | 12hr | ~$1,020 | ~220k tok |
Adverse Action · Decline |
HITL | $275K commercial · DSCR 0.87x · FICO 581 · 3 uncurable exceptions → officer-confirmed decline · Reg B notice | 2.5hr | ~$213 | ~88k tok |
Fair Lending Flag · Dual Gate |
DUAL | Approvable HELOC · pricing +41bps vs similarly-situated cohort → CO + FL Officer must each sign off | 1.2hr | ~$102 | ~88k tok |
Auto-Decline · Score Fail |
AUTO | HELOC · FICO 588 < 620 floor · LTV 84% > 80% max → zero-touch decline · Reg B notice generated in runtime | 40 min | ~$57 | ~33k tok |
Counteroffer · Near-Miss |
HITL | $500K request → $380K supportable at DSCR 1.31x → agent-structured counter · Reg B counter notice · 90-day window | 3hr | ~$255 | ~88k tok |
Committee · Leveraged Acq. |
CMTE | $28M Term B · leverage 4.6x exception · 3 recorded sign-offs + vote · compensation-rollback demo on execution | 10hr | ~$850 | ~220k tok |
Abstention · Degraded Mode |
W1 | Bureau feed fails mid-run → no score imputed · partial file to officer with SLA · the abstention itself is ledgered | 45min | ~$64 | ~33k tok |
Verification Hold · 4506-C |
W1 | IRS transcript −18.2% vs CPA statements → dual-basis DSCR (1.36x / 1.05x) · file freeze + SIU referral · no decision recorded | 2.5hr | ~$213 | ~88k tok |
Incomplete App · Reg B NOI |
W1 | 3 of 7 documents missing → §1002.9(c)(2) Notice of Incompleteness · 30-day clock · auto-withdrawal on expiry · no figures estimated | 35min | ~$50 | ~33k tok |
Officer Override · Telemetry |
W1 | Agent recommends APPROVE — officer declines on anchor-tenant Chapter 11 · rationale substance floor · override ledgered as MRM drift data | 4hr | ~$340 | ~220k tok |
Guardrail Gauntlet · Blocked |
W2 | Policy engine fires flood + lending limit + Reg O hard stops (citations attached) · HVCRE flag · FIRREA cure · SLA escalation fires live · no override exists | 6hr | ~$510 | ~220k tok |
Ag Production · Crop-Year |
W2 | $600K seasonal line · crop-year DSCR 1.50x / stress 1.13x · $633K borrowing base · guardrail engine verifies MPCI + FSA 90% | 3hr | ~$255 | ~88k tok |
Section 04
Demo Walkthrough
20-Minute Demo Flow
Exact sequence — what to click, what to say, how to close. Adjust timing for audience depth.
Open & Orient
Log in (cai / Demo). Point to the 9-node Pipeline Flow bar. Show the live compliance clock. Introduce the ROI bar: pipeline runtime, analyst time replaced, AI cost.
"This is the underwriting command center. Every loan that hits the LOS appears here in real time."
Run Auto-Decision
Select Scenario 01 (HELOC). Click Run Agent Pipeline. Watch the 7 nodes animate green. Show AUTO-DECISION status badge. Point to the credit memo in the output panel.
"45-minute bureau pull, LTV calc, fair lending screen, memo — 4.7 seconds. Zero analyst touch."
Run HITL Commercial
Select Scenario 02 (SBA 7(a)). Run pipeline. When complete, the AUTH tab highlights amber. Click ⚠ AUTH — show the exception memo, authority level, and HITL buttons. Walk through Approve / Counter / Decline.
"For complex credits — policy exceptions, high-risk grades — the officer gets a fully pre-packaged workbench. No data gathering, just judgment."
Show Construction Scenario
Run Scenario 04 (Construction). Highest complexity — 8hr analyst case, LTC, inspector certs, zoning flag. Show Risk Grade 5 and CCO routing.
"Your highest-risk credits get the most rigorous treatment — and still land in seconds of agent compute — with the projected production runtime shown by the two-clock model."
ROI & Their Numbers
Scroll to the ROI bar. Show scenario-specific figures. Open Demo Brief → Section 05 → let them enter their own case volume and hourly rate.
"Plug in your own numbers. What does your current SBA underwriting team spend per week?"
Close
Point to the Audit tab — immutable SR 11-7 log for every run. Ask the closing question.
"Which loan type is your biggest bottleneck right now — consumer volume or commercial complexity?"
Section 05
ROI Justification
What the Agent Replaces — Honestly
The agent automates the analytical work phase of each case. It does not replace regulatory submission, account action execution, or human judgment at HITL gates.
✓ Agent Handles (in pipeline runtime)
- ✓ LOS data retrieval and field mapping
- ✓ Credit bureau / SBSS / D&B queries
- ✓ Financial spreading and DSCR calculation
- ✓ Collateral valuation (AVM / CoStar)
- ✓ Policy rule engine and exception identification
- ✓ ECOA / HMDA / CRA compliance screening
- ✓ Credit memo and officer workbench generation
✗ Remains Human (not replaced)
- ✗ Document collection from borrower
- ✗ Site visits and appraisal ordering
- ✗ Credit officer sign-off (HITL gate)
- ✗ Loan committee presentation
- ✗ Commitment negotiation and closing
- ✗ Regulatory filing submission
Analyst rate ~$85/hr blended · Analytical work phase only (data retrieval + spreading + memo) · Excludes document collection, officer review, closing
| Scenario | Analyst Time | Manual Cost | AI Tokens |
|---|---|---|---|
| HELOC Auto-Decision | 45 min | ~$64 | ~33k tok |
| SBA 7(a) | 4.5hr | ~$383 | ~220k tok |
| CRE&I Office | 5hr | ~$425 | ~220k tok |
| Construction Draw | 8hr | ~$680 | ~220k tok |
| ABL Revolving | 4hr | ~$340 | ~220k tok |
| Auto Score Gate | 15 min | ~$21 | ~33k tok |
| DSCR Alert | 3.5hr | ~$298 | ~220k tok |
| Maturity Renewal | 3hr | ~$255 | ~88k tok |
| Syndicated Credit | 12hr | ~$1,020 | ~220k tok |
| Adverse Action | 2.5hr | ~$213 | ~88k tok |
| Fair Lending Dual Gate | 1.2hr | ~$102 | ~88k tok |
| Auto-Decline | 40 min | ~$57 | ~33k tok |
| Counteroffer | 3hr | ~$255 | ~88k tok |
| Committee · Leveraged | 10hr | ~$850 | ~220k tok |
Your Numbers — Interactive Calculator
Annual Hours Freed
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Annual Cost Saving
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FTE Equivalent
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Methodology: Analyst time covers data retrieval, financial spreading, policy checks, and credit memo generation only. Excludes: document collection, appraisal ordering, credit officer review, loan committee, commitment negotiation, and closing. Manual cost = analyst time × $85/hr blended rate. AI cost = model inference only; third-party data fees (bureau, AVM, CoStar, IRS 4506-C) are institution pass-through and excluded. Actual savings vary by institution, case mix, and process maturity. Not a performance guarantee.
Section 06
Audience Customization
Tailoring by Stakeholder
Lead with what each stakeholder cares about. The same demo — different opening 60 seconds.
CRO / Chief Risk Officer
Lead with SR 11-7 compliance and exception management. Run Scenario 07 (DSCR Alert) — shows covenant monitoring and immutable audit trail. Emphasize the HITL gate preserving officer judgment.
CFO / Finance
Lead with cost per decision ($0.14–$0.90 AI vs $21–$1,020 manual). Run Construction scenario for the most dramatic case. Let them enter their own numbers in the ROI calculator.
COO / Operations
Lead with throughput and auto-decision rate. Run Scenario 01 (HELOC) and 06 (Score Gate) back-to-back — zero-touch, instant. Show 7 agents running in parallel.
CTO / Systems
Show the 9-node pipeline architecture bar. Discuss LOS API integration, bureau connectors, SR 11-7 audit trail, and the AI Engine (static or live Claude API mode).
Section 07
Efficiency Benchmarks
Numbers That Move a Decision
Use these in the close. Conservative figures — defensible in a CFO or COO meeting.
| Metric | Before | After | Reduction | What changes |
|---|---|---|---|---|
| Consumer Auto-Decision Time | 45–90 min (bureau pull + memo) | <10 seconds | 99%+ | Zero analyst touch for clean-file FICO ≥740 |
| SBA 7(a) Underwriting | 4–6 hours (spreading + SBA SOP) | ~8 seconds agent time | 99%+ | Full eligibility + exception memo pre-packaged for officer |
| CRE Memo Preparation | 5–8 hours (rent roll + CoStar + NOI) | ~8 seconds agent time | 99%+ | Analyst evaluates, not researches |
| Policy Exception Rate | Manual: 15–20% miss rate | Agent: deterministic checks | Consistent | Rules applied identically on every credit |
| SR 11-7 Audit Readiness | Days to assemble audit package | Instant — every run logged | 100% | Tamper-evident hash-chained log (demo) · immutable State-Plane ledger (production) |
Section 08
Troubleshooting
Common Issues & Fixes
Login gate not opening
Username:
cai · Password: Demo. If cached, open DevTools → Application → Session Storage → clear cb_cu_brief = 1.Pipeline shows ERROR badge
Refresh and retry. All 20 scenarios work in static mode. Live AI mode requires a Claude API key (sk-ant-…) entered via the ⚙ gear icon.
AUTH tab stuck at Running…
The pipeline must fully complete before AUTH populates. Wait for the status badge to show AWAITING OFFICER — the AUTH tab then auto-highlights amber with buttons enabled.
ROI bar shows dashes
Run a scenario first. The ROI bar populates per-scenario — dashes are the default state before any pipeline run.
HITL buttons greyed out
Buttons activate only after pipeline completion. Do not click Run a second time — wait for AWAITING OFFICER status.
Credit memo blank or missing
In static mode, pre-written memos appear automatically. In Live AI mode, the memo streams character-by-character — wait ~15s for the full output.
"Which loan type is your biggest underwriting bottleneck right now?"
Schedule Architecture Call →