- H2O AI Super Agent, running inside Enterprise h2oGPTe, drafts a risk rating of low, medium or high from an applicant's credit score, income, existing debt and debt to income ratio.
- The assistant retrieves your own credit risk policy and evaluation framework, so every applicant is assessed against the same rules.
- Your credit analyst approves, edits or rejects every draft, and your credit policy and decision systems stay in place.
- A second demo estimates monthly loan repayments and produces a summary document a customer can keep.
Give every home loan applicant a consistent, explained risk rating
Your credit analysts work through each home loan application by hand. They read the applicant's details, check them against the bank's risk framework, and write up the reasons for a rating.
Two analysts can reach different ratings on similar files, and the write up takes longer than the judgment itself. Applicants wait, and your team spends time on routine files instead of the ones that need judgment.
How a home loan credit risk assessment assistant works
Step 1: Receive the application
The agent, built on Enterprise h2oGPTe, takes the applicant's structured details: credit score, income, existing loans, loan amount, employment history, debt to income ratio and prior defaults.
Step 2: Retrieve your framework
Retrieval pulls the relevant parts of your credit risk policy and evaluation framework from your own documents, so the assessment starts from your rules, not a generic one.
Step 3: Analyze and rate
The agent compares the applicant's details with your framework and drafts a rating of low, medium or high.
Step 4: Explain the rating
The draft sets out the reasons for the rating in plain language, so the analyst can check each one against the file.
Step 5: Review and decide
Your analyst approves, edits or rejects the draft. The rating feeds your existing decision process, and your credit policy stays the rule. Before you scale, run the assistant on files your team has already decided, and compare its drafts with your analysts' ratings.