Key takeaways
- H2O AI Super Agent, running inside Enterprise h2oGPTe, drafts a risk rating of low, medium or high from an applicant's credit score, income, existing debt and debt to income ratio.
- The assistant retrieves your own credit risk policy and evaluation framework, so every applicant is assessed against the same rules.
- Your credit analyst approves, edits or rejects every draft, and your credit policy and decision systems stay in place.
- A second demo estimates monthly loan repayments and produces a summary document a customer can keep.
Give every home loan applicant a consistent, explained risk rating
Your credit analysts work through each home loan application by hand. They read the applicant's details, check them against the bank's risk framework, and write up the reasons for a rating.
Two analysts can reach different ratings on similar files, and the write up takes longer than the judgment itself. Applicants wait, and your team spends time on routine files instead of the ones that need judgment.