- Overview
- Financial Crime Compliance (FCC) solutions
- Loan Origination Solution
Review an AI-generated loan risk assessment, verify agent findings against the underlying source data, and make a lending decision in the Loan Setup application.
Review a summarized view of agent and rule findings against the underlying LOS, core system, or document data. Applications become available for review after all agents and rules have completed processing.
Prerequisites
- You have access to the Loan Setup application.
- You are a member of the Business User Group or have been assigned as an analyst for this loan application.
- At least one loan application has a status of Ready to review in the loan table.
Open a loan application
- Open the Loans page from the top navigation.
- Use the status filter to select Ready to review to narrow the list to applications needing review.
- Optionally use the analyst filter to display only applications assigned to you.
- Select the row for the loan application you want to review.
Result: The loan detail view opens, showing the Review status summary and the individual Review findings for the application.
Review agent findings
The loan detail view displays two sections: Review status at the top, with a consolidated narrative of all findings, and Review findings below, with the configured categories of agentic checks and rules. For example, these categories can include Address Verification, Income calculation & validation, and Mortgage/Property Review. Your institution can add or remove categories.
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Review all applicable review cards in the Review status section and select any of the following cards:
- All findings to navigate directly to the Review findings section and browse all items.
- Needs attention to navigate to the first item that requires your attention.
- Confirmed issues to navigate to any of the findings whose issues were confirmed.
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Review the Loan details panel on the left side of the detail view to confirm the structured loan data:
- Loan amount
- Credit score
- Loan-to-value (LTV) ratio
- Debt-to-income (DTI) ratio
- Interest rate
- Other key fields
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In the Review findings section, begin reviewing in detail every item on the list and select any of the following:
- Clear if the finding raises no concern.
- Issue if the finding identifies a problem that must be addressed.
- Follow up to flag the item as requiring a follow-up from the borrower.
- Add note to write a new note associated with the review finding.
- Restart review if you want to restart the automated review of a specific item.
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Optionally, select Share feedback for an automated finding, then indicate whether It got it right or It needs correction.
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For a cleared review item, select Credit report to open the Credit report dialog and review details of the borrower's credit score from a different loan origination source.
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Select the More Actions icon and choose between the following:
- Clear reviewer input: to clear all notes from a reviewer.
- Restart review: to restart the overall automated review of a loan.
Result: Each reviewed finding is marked Clear or Issue, and any feedback, follow-ups, and notes you added are recorded against it.
Review supporting loan context
Alongside the agent findings, use the supporting sections of the loan detail view to inform your decision.
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In Loan Comments Summary, review the Key notes (AI-summarized points drawn from the loan's loan origination system comments) for context that may affect your decision.
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In Property information, confirm the collateral details and automated valuation (AVM). Select View more property data for assessment and latest-transaction details.
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In Required documents, confirm each required document has been provided. Select a document's checkbox to mark it as received.
Result: You have reviewed the supporting loan context and marked the required documents as received, and you have the information needed to make a lending decision.