Borrower Workspace
Loan #1001
ยท John Doe
ยท Persistent Record
Overall Status
NEEDS_MINOR_PROCESSOR_REVIEW
Verified Income
$28125.00
AI Decision
NEEDS_PROCESSOR_REVIEW
Next Best Action: Review flagged documents and resolve risk alerts before submission.
Reason: The file contains documents or risk indicators that require human judgment.
Confidence: 95%
Readiness Score
88/100
NEEDS_MINOR_PROCESSOR_REVIEW
Verified Monthly Income
$28125.00/month
Documents Received
- Bank Statement
- Bank Statements
- Income Documentation
- Paystub
- Recent Paystub
- Tax Return
- Two Year History
- W2
Missing Conditions
No missing conditions detected.
Risk Engine
Risk Score: 20/100
Risk Level: LOW
Risk Flags
- 3 income documents were processed. Confirm whether they represent separate income sources or supporting documentation for the same employment before combining qualifying income.
Loan Decision Engine
๐ข APPROVABLE PENDING CONDITIONS
Confidence:
88%
Outstanding Issues:
3
Estimated Processor Time:
16 minutes
Loan appears approvable based on current underwriting metrics, pending resolution of key processor and underwriting conditions.
Decision Strengths
- Readiness score is strong at 88/100.
- DTI is 6.91%.
- Middle credit score is 720.
- Estimated reserves are 20.74 months.
Blocking Conditions
-
Source Large Deposit
Large deposit requires source documentation before underwriting.
Source: 05_bank_statement_feb.png
-
Confirm Qualifying Income
Income documents appear supportive, but processor must confirm income is not double-counted.
Source: Cross-Document Validation
Caution Items
-
Review Lease / Occupancy
Lease agreement may affect occupancy or rental obligation and should be reviewed.
Source: 11_lease_agreement.png
Next Best Actions
- Request source-of-funds documentation for the large deposit.
- Confirm final qualifying income and ensure income documents are not double-counted.
- Review lease agreement for occupancy and rental obligation impact.
๐ง AI Planner Agent
Goal: Prepare loan for underwriting
Current Stage: Processor Conditions Review
Completion: 88%
Next Best Action: Request and review source documentation for the large deposit.
AI Planner created a goal-oriented plan for: Prepare loan for underwriting. Current stage: Processor Conditions Review. Completion estimate: 88%.
Open Work Items
-
HIGH โ Request and review source documentation for the large deposit.
Source: 05_bank_statement_feb.png
-
HIGH โ Confirm final qualifying income and ensure income documents are not double-counted.
Source: Cross-Document Validation
-
MEDIUM โ Review lease agreement for occupancy and rental obligation impact.
Source: 11_lease_agreement.png
-
LOW โ Confirm identity support documents are acceptable.
Source: Cross-Document Validation
Execution Plan
- Review current loan decision.
- Resolve high-priority processor conditions.
- Resolve medium-priority processor conditions.
- Re-run underwriting review after conditions are cleared.
- Prepare underwriting submission package.
๐ Loan Workflow
Current Stage: Waiting for Borrower
Loan Readiness: 88%
Processor Task Progress: 1 / 4 tasks complete
Waiting for Borrower: 1 |
Processor Review: 2 |
Completed: 1
Workflow is waiting for borrower documentation before final underwriting preparation.
Current Workflow Tasks
-
HIGH โ Large Deposit Source Documentation
Status: WAITING_FOR_BORROWER
Next Action: Request and review source documentation for the large deposit.
Owner: Borrower | Source: 05_bank_statement_feb.png
-
HIGH โ Qualifying Income Confirmation
Status: IN_PROGRESS
Next Action: Confirm final qualifying income and ensure income documents are not double-counted.
Owner: Processor | Source: Cross-Document Validation
-
MEDIUM โ Lease / Occupancy Review
Status: IN_PROGRESS
Next Action: Review lease agreement for occupancy and rental obligation impact.
Owner: Processor | Source: 11_lease_agreement.png
-
LOW โ Identity Supporting Documents
Status: VERIFIED
Next Action: Confirm identity support documents are acceptable.
Owner: Processor | Source: Cross-Document Validation
Next Workflow Transition
Borrower provides missing documentation. AI re-runs the affected agent, updates cross-document validation, refreshes underwriting, and updates the loan decision.
๐ Borrower Condition Generator
3 borrower / processor condition(s) generated.
Source of Funds Documentation
Priority: HIGH
A large deposit was identified and must be documented before underwriting.
Required Documentation
- Bank statement showing originating account
- Wire confirmation
- Gift letter if funds were a gift
- Asset sale documentation if funds came from a sale
- Letter of explanation from borrower
Status: OPEN
Qualifying Income Confirmation
Priority: HIGH
Processor must confirm the paystub, W-2, and tax return support the same income and are not counted multiple times.
Required Documentation
- Final income worksheet
- Processor income sign-off
- Employer consistency verification
- Confirmation of final qualifying monthly income
Status: OPEN
Lease / Occupancy Review
Priority: MEDIUM
Lease or occupancy information must be reviewed to determine whether it affects qualifying debt or occupancy classification.
Required Documentation
- Current lease agreement
- Borrower letter of explanation
- Rental obligation confirmation
- Processor occupancy determination
Status: OPEN
๐ค Autonomous Loan Officer Agent
Goal: Prepare loan for underwriting
Recommendation: WAITING_ON_BORROWER_CONDITIONS
Current Stage: Waiting for Borrower
Loan Decision: PROCESSOR_REVIEW_REQUIRED
Readiness Score: 88%
Next Action: Request and review source documentation for the large deposit.
Autonomous Loan Officer reviewed the current loan state. Recommendation: WAITING_ON_BORROWER_CONDITIONS. Next action: Request and review source documentation for the large deposit.
Agentic Steps
- Review current loan decision.
- Review workflow state and open tasks.
- Generate or refresh borrower conditions.
- Use context memory to maintain loan status.
- If new documents arrive, run event-driven reanalysis.
- Refresh downstream decision engines.
- Notify processor of updated recommendation.
Guideline Knowledge Engine
Status: GUIDELINE_EXPLANATIONS_AVAILABLE
4 guideline explanation(s) generated for current loan conditions.
Large Deposit Sourcing
Triggered By:
Source Large Deposit
โ Large deposit requires source documentation before underwriting.
Why It Matters: Large non-payroll deposits may need to be sourced so the processor can confirm the funds are acceptable and not undisclosed borrowed money.
Common Resolution
- Bank statement showing source account
- Wire confirmation
- Gift letter if gift funds
- Asset sale documentation if from sale of asset
- Letter of explanation from borrower
Duplicate Income Review
Triggered By:
Confirm Qualifying Income
โ Income documents appear supportive, but processor must confirm income is not double-counted.
Why It Matters: Paystub, W-2, and tax return may support the same employment. Counting all three as separate income could overstate qualifying income.
Common Resolution
- Confirm employer name across income documents
- Use one qualifying income calculation method
- Document that W-2 and tax return support the paystub income
- Processor sign-off on final qualifying monthly income
Lease / Occupancy Review
Triggered By:
Review Lease / Occupancy
โ Lease agreement may affect occupancy or rental obligation and should be reviewed.
Why It Matters: A lease agreement at a different address may indicate a rental obligation, a departing residence, or another occupancy scenario. This can affect qualifying ratios.
Common Resolution
- Confirm whether lease is current
- Confirm monthly rental obligation
- Determine whether property is primary residence, second home, or investment property
- Obtain letter of explanation if needed
Identity Supporting Documentation
Triggered By: Verify subject property address across property and identity documents.
Why It Matters: A driver's license can verify legal name, DOB, and address. An SSN card usually supports SSN verification but is not a full identity document by itself.
Common Resolution
- Use driver's license as primary identity document
- Use SSN card as supporting SSN documentation
- Confirm borrower name consistency across documents
- Confirm SSN last four where available
Supervisor Agent v2
Decision: PROCESSOR_REVIEW_REQUIRED
Reason: One or more agent or cross-document review items remain unresolved.
Confidence: 85%
Processor Summary
The borrower demonstrates strong repayment capacity with verified monthly income of $28,125.00, acceptable credit with a middle score of 720, and monthly liabilities of $490.00, plus verified assets of $30,170.00. Remaining processor conditions include 4 unique issue area(s): duplicate-income review, identity support review, large deposit sourcing, lease or occupancy review. These should be resolved before underwriting submission. Fraud risk is currently LOW with a score of 15. Overall recommendation: processor review is required before underwriting preparation.
Strengths
- Verified monthly income is $28,125.00.
- Credit appears acceptable with middle score 720 and monthly liabilities of $490.00.
- Primary identity document appears verified.
Concerns
- 4 unique processor issue area(s) require attention.
- Documents requiring review: 11_lease_agreement.png, 05_bank_statement_feb.png
- Subject property address mismatch.
- Lease may affect subject property occupancy.
- Large deposit requires sourcing.
- Multiple income documents were processed; processor must confirm they are not double-counted.
Processor Work Queue
Estimated Remaining Processor Time: 16 minutes
๐ด High Priority
- 05_bank_statement_feb.png: Large deposit detected ($11,000.00 deposit detected). Provide documentation showing the source of funds before underwriting. (5 min)
- Cross-Document Validation: Income documents appear supportive, but processor must confirm qualifying income is not counted multiple times. (5 min)
๐ก Medium Priority
- 11_lease_agreement.png: Lease agreement detected. Confirm occupancy and rental obligation before underwriting. (3 min)
- Cross-Document Validation: Verify subject property address across property and identity documents. (3 min)
Underwriting Rules Engine
Recommendation: ELIGIBLE_PENDING_CONDITIONS
Loan appears potentially eligible, pending outstanding processor/underwriting conditions.
Key Metrics
- DTI: 6.91%
- Housing Ratio: 5.17%
- Housing Payment: $1454.56
- Total Monthly Debt: $1944.56
- Reserve Months: 20.74
- Middle Credit Score: 720
Rule Results
- Credit Score: PASS
- Dti: PASS
- Housing Ratio: PASS
- Reserves: PASS
- Cross Document: REVIEW
- Occupancy: REVIEW
Underwriting Conditions
- Resolve all review-required documents before underwriting submission.
- Income documents appear supportive, but processor must confirm qualifying income is not counted multiple times.
- Verify subject property address across property and identity documents.
- Provide documentation for large deposit source.
- Lease agreement detected; verify occupancy and rental obligation.
Cross-Document Validation
Status: CROSS_DOC_REVIEW_REQUIRED
Confidence: 0.82
Cross-document validation found items requiring processor review.
Findings
- 2 document(s) still require processor review.
- Income package includes paystub, W-2, and tax return support documents.
Consistency Checks
- PASS: Paystub annualized income ($117,000.00) is consistent with W-2 income ($111,999.96); variance 4.46%.
- PASS: W-2 income ($111,999.96) is reasonably consistent with tax return income ($108,500.04); variance 3.12%.
- PASS: Employer appears consistent: Metuko Logistics Inc..
- PASS: Borrower/owner name appears consistent: John Doe.
- PASS: SSN last four appears consistent: 6789.
- PASS: Identity appears supported by driver's license plus SSN documentation.
- REVIEW: Subject property address mismatch detected. Base: 500 Innovation Drive; mismatches: ['123 Maple Street', '123 Maple Street Springfield, CA'].
- REVIEW: Lease address appears to match subject property (123 Maple Street); confirm occupancy and rental obligation.
- REVIEW: Large deposit detected in 05_bank_statement_feb.png: $11,000.00 deposit detected.
Cross-Document Risk Flags
- Documents requiring review: 11_lease_agreement.png, 05_bank_statement_feb.png
- Subject property address mismatch.
- Lease may affect subject property occupancy.
- Large deposit requires sourcing.
Cross-Document Conditions
- Resolve all review-required documents before underwriting submission.
- Income documents appear supportive, but processor must confirm qualifying income is not counted multiple times.
- Verify subject property address across property and identity documents.
- Provide documentation for large deposit source.
Document Analysis Results
- 01_paystub.png: Income processed successfully.
- 12_hoa_statement.png: Property document verified successfully.
- 11_lease_agreement.png: Property review required โ Lease agreement detected; occupancy or rental obligation may require review
- 10_mortgage_statement.png: Property document verified successfully.
- 09_home_title.png: Property document verified successfully.
- 08_social_security_card.png: Identity supporting document accepted.
- 07_driver_license.png: Identity verified successfully.
- 06_credit_report.png: Credit acceptable.
- 05_bank_statement_feb.png: Asset review required โ Large deposit requires review
- 04_bank_statement_jan.png: Assets verified successfully.
- 03_tax_return_1040.png: Income processed successfully.
- 02_w2_2023.png: Income processed successfully.