Credit Policy & Decisioning Specialist

The Underwriting Agent loads the credit policy rules engine with 156 active rules from policy version 2024-Q4. It evaluates credit policies against defined thresholds: Credit Score vs 620 minimum, DTI ratio vs 43% maximum, Annual Income vs $24,000 minimum. The agent applies risk-based pricing calculation starting with 6.99% base rate and adding risk premium (0% for Super Prime, 2% for Prime, 4.5% for Near Prime, 7.5% for Subprime, 12% for Deep Subprime). It generates decision outcome (approved, declined, manual_review) with confidence percentage, calculates approved terms including approved amount, interest rate, term months, monthly payment, total interest, and total repayment. The agent produces decision explanations with primary decision factors and regulatory decline codes when applicable. Reasoning traces show: loading policy rules, evaluating credit policies with specific pass/fail results, calculating risk-based pricing breakdown, and making final decision with confidence.