Key takeaways
- AI loan amount prediction estimates a loan amount for each applicant from income, liabilities, credit history, employment and the loan terms they asked for.
- An agent in Enterprise h2oGPTe can set up a regression model build from a plain-language request.
- H2O Driverless AI trains and explains the regression model, with reason codes for every prediction.
- Your data and models stay in the environment you choose: on-premises, air-gapped, private cloud or cloud.
Size the offer before the applicant looks elsewhere
An applicant offered less than they need goes to another lender. One offered more than they can carry becomes a risk on your book. Both outcomes start with a number your team sets by rule of thumb or by hand.
Your data science team can build a model for this, but the request sits in a queue behind other projects. And any model that shapes a lending offer has to explain itself to credit risk, model risk and audit.