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10 · fintech · ai agents
AI underwriting agent
An independent AI second opinion on every loan application, with every rule outcome and tool call logged.
- Client
- US consumer lender
- Role
- AI Engineer
- Period
- Devinware LLC · ongoing
Problem
A US consumer lender wanted an independent second assessment of each loan application next to its in-house underwriting engine, without handing approval decisions to an AI.
The assessment had to work from the same evidence underwriters use: bank data, credit and bank-behaviour reports, paystubs and fraud signals.
How it works
- 01ApplicationA new loan application enters review.
- 02Gather evidenceTool calls pull bank data, credit and bank-behaviour reports, paystubs and fraud signals.
- 03Walk the policyAgents check the lending policy rule by rule.
- 04Log everythingEvery rule outcome and tool call is recorded.
- 05Second opinionThe assessment sits next to the in-house decision.
What I built
- Tool-calling agents on Azure OpenAI that pull bank data, credit and bank-behaviour reports, paystubs and fraud signals, then walk the lending policy rule by rule.
- Full logging of every rule outcome and tool call, so each AI assessment can be audited next to the recorded decision.
- Durable state, with Azure OpenAI or OpenAI selected by configuration and retries when a provider rate-limits.
- A dashboard that compares AI and recorded decisions loan by loan.
Guardrails
- The AI never approves or denies on its own.
- New prompts run champion vs. challenger on live applications before they replace the current one.
How it was verified
- Evaluation baselines run in CI, so a prompt or model change can’t silently degrade decisions.
- Models were benchmarked on historical loan files, including GPT-5.x and Grok models, to pick the best cost and quality balance.
Result
Handles hundreds of applications a day as a shadow reviewer.
Underwriters get an independent, fully logged assessment for every application.
media note
Client systems are under NDA, so this case study uses words and a diagram instead of screenshots.