Loan Origination Borrower Profile Agent

The Loan Origination Borrower Profile Agent reviews borrower profiles and recommends loan options per available options

The Loan Origination Borrower Profile Agent is designed to address the complexities of matching borrowers with suitable loan products by analyzing their financial profiles and the properties they wish to finance. This agent tackles the challenge of ensuring that borrowers are paired with loans that align with their financial standing, while also identifying potential risks and affordability concerns. By doing so, it helps streamline the loan origination process and ensures that borrowers are provided with transparent and well-documented recommendations.

To achieve this, the agent evaluates a borrower’s financial data, including brokerage statements, income statements, employment history, and credit reports. It calculates key metrics such as debt-to-income ratios, assesses credit scores and reports to identify qualification risks, and compares the borrower’s financial capacity with the requirements of the target property. Based on this analysis, the agent recommends the most suitable loan types, such as fixed-rate mortgages, adjustable-rate mortgages, or jumbo loans. If the borrower’s financial situation does not support any viable loan options, the agent can escalate the case for human review, ensuring that no critical cases are overlooked.

The agent is equipped with several example tools and escalation mechanisms to enhance its functionality. Mock tools exist for retrieving financial data, such as brokerage statements, credit histories, and employment records, ensuring that all necessary information is available for analysis. Additionally, a tool is included for escalating cases to a human expert using UiPath Action Center when the borrower's financial situation necessitates human review. This escalation includes detailed information about the the borrower, ensuring a seamless handoff and resolution process. This human-in-the-loop mechanism is presented using UiPath Action Apps as a user interface. These capabilities ensure that the agent can handle a wide range of scenarios, from straightforward loan approvals to complex cases requiring human intervention.

How to use

1. Click the Download button.
2. In the ‘Downloading an agent template’ window, select ‘Download Solution’. A .uis file containing the agent definition is downloaded to your machine.
3. Select Download Extras. A .zip file is downloaded to your machine. This package contains sample Context Grounding data, which will allow you to start testing the agent faster.
4. Create two storage buckets, one for the ‘Properties’ data and one for the 'Loans' data.
5. Upload the files provided in the Extras package, each within its related bucket.
6. Create two indexes and set them up to ingest the previously updated files, each using as data source its respective storage bucket. For more info, check Managing Indexes.
7. In Studio Web, import the Agent definition .uis file as described in Importing a project downloaded from Studio Web.
8. Next, go to Solutions. For details, refer to Accessing the Solutions UI.
9. You can now access your agent template from Studio Web and map the previously created indexes, as well as add any other tools deployed to your tenant.

• An Agent definition purpose built for a specific task that you can open within Studio Web
• Best practices built-in including a high Agent score.
• Multiple evaluation sets to ensure reliability and see example input and output
• Prebuilt tools contained within a Solutions Management file
• A starting point with the ability to expand and modify to specific needs