- Overview
- Financial Crime Compliance (FCC) solutions
- Loan Origination Solution
Loan Setup processing workflow, from document ingestion through AI agent and rule execution to analyst review, with the processing stages and the agent and rule categories applied to each application.
The Loan Setup workflow describes how a loan application moves from initial document ingestion through AI agent processing to analyst review. Understanding the workflow helps analysts interpret the status of applications in their queue and helps administrators configure the system correctly.
Processing stages
Every loan application passes through three stages before reaching an analyst.
Stage 1: Retrieve data from LOS
Maestro invokes the customer's data extraction RPAs to pull borrower and loan data from the loan origination system (LOS) and, where applicable, the core banking system. It also retrieves associated documents from the document management system. Data is transformed into the expected schema and prepared for agent processing.
Stage 2: Agents processing and rules execution
Maestro invokes each AI agent in sequence and runs the deterministic rules configured by your institution. Each agent receives a structured input payload, analyzes its assigned domain, and returns findings with supporting evidence.
Rule evaluation produces findings that display in the analyst UI for review. All outputs are written to UiPath Data Fabric.
Stage 3: Pending human action
Agent processing is complete. The loan appears in the analyst UI with a status of Ready to review and is available for analyst review.
Agent and rule categories
The workflow routes loans through business rules configured from your institution's policies and prebuilt AI agent checks. Address Verification and Required Documents are required categories. The other categories are customizable. The following categories are examples configured for a banking customer:
| Category | What the agent analyzes |
|---|---|
| Address Verification | Validates the applicant's address against public records and confirms consistency across documents |
| Required Documents | Confirms that the documents required for the loan are present |
| Credit report & liability review | Reviews credit score, credit history, derogatory marks, and creditworthiness, and assesses existing debt obligations, payment history, and liability exposure |
| Income calculation & validation | Calculates and validates the applicant's income used in the loan assessment |
| Loan eligibility | Validates loan parameters (amount, term, LTV ratio, and debt-to-income ratio) against lending guidelines |
| Mortgage/Property Review | Evaluates collateral property: appraisal, title, condition, and flood zone status |
| Other | Additional categories configured by your institution |
Most categories are evaluated against rules extracted from your institution's lending guidelines documents. Address Verification runs against public records and document-consistency checks.
The Credit report & liability review category also includes identity verification and fraud-detection findings from PreciseID, an optional external check your institution can enable.
Document processing
Before agent analysis begins, loan documents pass through two processing steps.
Classification: IXP (Intelligent Xtraction Processing) classifies each uploaded document by type, such as pay stub, tax return, photo ID, or credit report, and routes it to the appropriate extraction pipeline.
Extraction: IXP extracts structured fields from classified documents. For standardized document types such as government-issued photo IDs and tax forms, Document Understanding may additionally be used to improve extraction accuracy. The extracted fields are combined with core banking data and provided as the agent input payload.
Audit log
In addition to the findings visible in the analyst UI, Loan Setup generates a per-loan audit log that records each agentic decision made during processing. The audit log includes the outcome of each agentic test (pass, fail, or inconclusive) and the data that contributed to each decision. The audit log can be exported as a PDF and saved alongside the rest of the loan packet for record-keeping, compliance review, or handoff to other teams.