CAIBots · Credit Underwriting Platform

The Intelligent
Underwriting Engine

From application to credit decision in 3 seconds flat.

7 specialized AI agents run in parallel across financial spreading, credit bureau, collateral valuation, risk & policy, compliance screening, and synthesis — delivering SR 11-7-validated credit decisions across every loan type your institution underwrites.

▶ Run Agent Pipeline ↓ Download Demo Brief → View Pilot Plan
3.0s
Pipeline
Runtime
4.2hr
Manual UW
Time Saved
99%
Faster Than
Manual
7‖
Parallel
Sub-Agents
$0.04
Cost Per
Decision
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
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
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

Pre-integrated connectors across financial data, bureau, property intelligence, and regulatory engines — no custom data pipeline work required.

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
Measured Performance

Impact By The Numbers

Was: 4.2 hours
3.0s
99.98% Faster
Pipeline Runtime
Was: $45–$120
$0.04
99.9% Lower Cost
Cost Per Decision
Was: Sequential
7‖
Parallel Execution
Simultaneous Agents
Was: Manual Review
100%
Fair Lending Screen
ECOA / HMDA Coverage
Was: 5 Systems
1
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 included · 4 credit analysts · 1,200 applications/yr
Regulatory Framework

Built for Examiners, Not Just Lenders

Every decision carries a complete audit trail. Every output satisfies SR 11-7 model risk governance requirements from day one.

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 Safe Harbor SBA SOP 50-10
Documentation Suite

Everything Your Team Needs

Technical and business documentation — ready for credit committees, IT security reviews, and examiner presentations.

▶
Interactive
Live Demo — 7-Agent Pipeline
Run real credit scenarios through the full agent pipeline. 10 scenarios including Syndicated Credit and Adverse Action. Select loan type, view agent execution, inspect the Credit Officer Workbench.
→ Open Demo
📋
Executive
Demo Brief
One-page executive summary of platform capabilities, performance benchmarks, loan type coverage, and regulatory posture.
→ View Brief
📊
Detailed
Capability Matrix
Feature-by-feature coverage across all 7 agents, 5 source tool categories, 10 scenario types, and all regulatory frameworks.
→ View Matrix
🚀
Pilot Plan
Pilot Structure
90-day phased pilot blueprint — scope, success criteria, team roles, HITL thresholds, and go-live readiness checklist.
→ View Pilot Plan
🏗
Technical
Architecture Diagram
Full system architecture — orchestration layer, agent mesh, source tool integrations, LOS connectors, and security posture.
→ View Architecture
⚙️
Engineering
Implementation Guide
Step-by-step integration guide for LOS connectivity, API key provisioning, policy matrix upload, model validation, and UAT protocol.
→ View Guide
📈
Financial
ROI Calculator
Model your institution's annual savings, payback period, IRR, 3-year NPV, and FTE capacity freed. Bear / base / bull sensitivity analysis with agent-level breakdowns.
→ Calculate ROI