Complete Execution Output (JSON):
{
"aml_screening": {
"adverse_media": "no_hits",
"aml_status": "cleared",
"compliance_score": 96.8,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"aml_status\": \"cleared\", \"watchlist_check\": \"no_matches\", \"pep_screening\": \"not_identified\", \"sanctions_check\": \"cleared\", \"adverse_media\": \"no_hits\", \"risk_rating\": \"low\", \"compliance_score\": 96.8, \"screening_date\": \"2024-07-15\", \"manual_review_required\": false}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.228849,
"end_time": "2025-07-15T13:49:35.804890",
"message_sent": true,
"start_time": "2025-07-15T13:49:35.576041",
"timestamp": "2025-07-15T13:49:35.804890",
"worker_executed": true,
"workers_notified": true
},
"manual_review_required": false,
"output": "__OUTPUTS__ {\"aml_status\": \"cleared\", \"watchlist_check\": \"no_matches\", \"pep_screening\": \"not_identified\", \"sanctions_check\": \"cleared\", \"adverse_media\": \"no_hits\", \"risk_rating\": \"low\", \"compliance_score\": 96.8, \"screening_date\": \"2024-07-15\", \"manual_review_required\": false}\n",
"pep_screening": "not_identified",
"return_code": 0,
"risk_rating": "low",
"sanctions_check": "cleared",
"screening_date": "2024-07-15",
"status": "completed",
"stderr": "",
"task_id": "aml_screening",
"watchlist_check": "no_matches"
},
"analyze_bank_statements": {
"account_balance_trend": "stable",
"average_monthly_credits": 7200,
"bounced_transactions": 0,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"average_monthly_credits\": 7200, \"salary_credits_consistent\": true, \"account_balance_trend\": \"stable\", \"minimum_balance\": 15000, \"maximum_balance\": 45000, \"bounced_transactions\": 0, \"loan_emis_detected\": 2, \"total_monthly_debits\": 5800, \"financial_discipline_score\": 85.5, \"irregular_transactions\": false}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.434404,
"end_time": "2025-07-15T13:49:08.614815",
"message_sent": true,
"start_time": "2025-07-15T13:49:08.180411",
"timestamp": "2025-07-15T13:49:08.614815",
"worker_executed": true,
"workers_notified": true
},
"financial_discipline_score": 85.5,
"irregular_transactions": false,
"loan_emis_detected": 2,
"maximum_balance": 45000,
"minimum_balance": 15000,
"output": "__OUTPUTS__ {\"average_monthly_credits\": 7200, \"salary_credits_consistent\": true, \"account_balance_trend\": \"stable\", \"minimum_balance\": 15000, \"maximum_balance\": 45000, \"bounced_transactions\": 0, \"loan_emis_detected\": 2, \"total_monthly_debits\": 5800, \"financial_discipline_score\": 85.5, \"irregular_transactions\": false}\n",
"return_code": 0,
"salary_credits_consistent": true,
"status": "completed",
"stderr": "",
"task_id": "analyze_bank_statements",
"total_monthly_debits": 5800
},
"analyze_credit_history": {
"average_account_age": "32 months",
"credit_limit_utilization": 35.2,
"credit_mix": {
"auto_loans": 1,
"credit_cards": 3,
"home_loans": 0,
"other": 1,
"personal_loans": 1
},
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"oldest_account_age\": \"60 months\", \"average_account_age\": \"32 months\", \"credit_mix\": {\"credit_cards\": 3, \"personal_loans\": 1, \"auto_loans\": 1, \"home_loans\": 0, \"other\": 1}, \"repayment_behavior\": {\"never_missed\": 85.0, \"30_days_late\": 12.0, \"60_days_late\": 2.5, \"90_days_late\": 0.5, \"defaults\": 0.0}, \"credit_limit_utilization\": 35.2, \"recent_credit_behavior\": \"stable\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.231113,
"end_time": "2025-07-15T13:49:17.942230",
"message_sent": true,
"start_time": "2025-07-15T13:49:17.711117",
"timestamp": "2025-07-15T13:49:17.942230",
"worker_executed": true,
"workers_notified": true
},
"oldest_account_age": "60 months",
"output": "__OUTPUTS__ {\"oldest_account_age\": \"60 months\", \"average_account_age\": \"32 months\", \"credit_mix\": {\"credit_cards\": 3, \"personal_loans\": 1, \"auto_loans\": 1, \"home_loans\": 0, \"other\": 1}, \"repayment_behavior\": {\"never_missed\": 85.0, \"30_days_late\": 12.0, \"60_days_late\": 2.5, \"90_days_late\": 0.5, \"defaults\": 0.0}, \"credit_limit_utilization\": 35.2, \"recent_credit_behavior\": \"stable\"}\n",
"recent_credit_behavior": "stable",
"repayment_behavior": {
"30_days_late": 12.0,
"60_days_late": 2.5,
"90_days_late": 0.5,
"defaults": 0.0,
"never_missed": 85.0
},
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "analyze_credit_history"
},
"analyze_salary_slips": {
"annual_gross": 102000,
"annual_net": 81600,
"deductions": {
"insurance": 300,
"pf": 500,
"tax": 1200
},
"employer": "Tech Corp Ltd",
"employment_duration": "2.5 years",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.381125,
"end_time": "2025-07-15T13:49:08.500227",
"message_sent": true,
"start_time": "2025-07-15T13:49:08.119102",
"timestamp": "2025-07-15T13:49:08.500227",
"worker_executed": true,
"workers_notified": true
},
"monthly_gross": 8500,
"monthly_net": 6800,
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"recent_increment": true,
"return_code": 0,
"salary_consistency": true,
"status": "completed",
"stderr": "",
"task_id": "analyze_salary_slips"
},
"application_quality_check": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"overall_application_quality_score\": 75\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 468,
"model": "gpt-4o-mini",
"output_length": 878,
"provider": "openai",
"system_message": "You are an expert loan underwriting analyst. Review the application data and assess its quality.\n\nEvaluate:\n1. Data completeness and accuracy\n2. Consistency of information\n3. Red flags or inconsistencies\n4. Overall application quality score (1-100)\n\nReturn a JSON response with your assessment.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"overall_application_quality_score\": 75\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 10000,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"requested_amount\\\": {\\n \\\"amount\\\": 10000,\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"concern\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 75\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 199, \"completion_tokens\": 238, \"total_tokens\": 437, \"estimated_cost\": {\"amount\": 0.000173, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": "",
"token_usage": {
"completion_tokens": 238,
"estimated_cost": {
"amount": 0.000173,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 199,
"provider": "openai",
"total_tokens": 437
}
},
"duration_seconds": 6.43189,
"end_time": "2025-07-15T13:49:01.470290",
"message_sent": true,
"start_time": "2025-07-15T13:48:55.038400",
"timestamp": "2025-07-15T13:49:01.470290",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"overall_application_quality_score\": 75\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 10000,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"requested_amount\\\": {\\n \\\"amount\\\": 10000,\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"concern\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 75\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 199, \"completion_tokens\": 238, \"total_tokens\": 437, \"estimated_cost\": {\"amount\": 0.000173, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "application_quality_check",
"token_usage": {
"completion_tokens": 238,
"estimated_cost": {
"amount": 0.000173,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 199,
"provider": "openai",
"total_tokens": 437
}
},
"assess_existing_loans": {
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.23332,
"end_time": "2025-07-15T13:49:18.207570",
"message_sent": true,
"start_time": "2025-07-15T13:49:17.974250",
"timestamp": "2025-07-15T13:49:18.207570",
"worker_executed": true,
"workers_notified": true
},
"loan_burden_ratio": 0.28,
"loan_details": [
{
"emi": 3500,
"outstanding": 45000,
"remaining_tenure": "18 months",
"type": "personal_loan"
},
{
"emi": 4200,
"outstanding": 80000,
"remaining_tenure": "24 months",
"type": "auto_loan"
}
],
"number_of_loans": 2,
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"repayment_track_record": "excellent",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "assess_existing_loans",
"total_monthly_emi": 7700,
"total_outstanding": 125000
},
"calculate_credit_score": {
"cibil_score": 720,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.231374,
"end_time": "2025-07-15T13:49:35.289298",
"message_sent": true,
"start_time": "2025-07-15T13:49:35.057924",
"timestamp": "2025-07-15T13:49:35.289298",
"worker_executed": true,
"workers_notified": true
},
"internal_credit_score": 337.9,
"min_required_score": 650,
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"risk_category": "high",
"score_acceptable": false,
"scoring_factors": {
"cibil_contribution": 288.0,
"loan_burden_contribution": 7.2,
"payment_history_contribution": 29.7,
"utilization_contribution": 12.96
},
"status": "completed",
"stderr": "",
"task_id": "calculate_credit_score"
},
"calculate_debt_to_income": {
"debt_to_income_ratio": 0.3590686274509804,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.246512,
"end_time": "2025-07-15T13:49:08.939545",
"message_sent": true,
"start_time": "2025-07-15T13:49:08.693033",
"timestamp": "2025-07-15T13:49:08.939545",
"worker_executed": true,
"workers_notified": true
},
"existing_debt_payments": 2400,
"max_allowed_ratio": 0.4,
"monthly_net_income": 6800,
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
"proposed_emi": 41.666666666666664,
"ratio_acceptable": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "calculate_debt_to_income",
"total_debt_payments": 2441.6666666666665
},
"check_cibil_score": {
"active_accounts": 6,
"closed_accounts": 2,
"credit_history_length": "5 years",
"credit_score": 720,
"credit_utilization": 35.5,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.209576,
"end_time": "2025-07-15T13:49:17.678691",
"message_sent": true,
"start_time": "2025-07-15T13:49:17.469115",
"timestamp": "2025-07-15T13:49:17.678691",
"worker_executed": true,
"workers_notified": true
},
"last_updated": "2024-06-01",
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"payment_history": "99% on-time",
"recent_inquiries": 2,
"return_code": 0,
"score_range": "Good",
"status": "completed",
"stderr": "",
"task_id": "check_cibil_score",
"total_accounts": 8
},
"compliance_consolidation": {
"agent_type": "assistant",
"ai_response": "Here is the consolidated compliance assessment based on the provided KYC, AML, Regulatory Compliance, and Internal Policy check results:\n\n```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"low\",\n \"identified_risks\": [],\n \"comments\": \"All compliance checks indicate low risk with no significant concerns.\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": [],\n \"comments\": \"No compliance gaps or concerns identified. All checks are complete and compliant.\"\n },\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with loan approval\",\n \"justification\": \"All compliance checks have been met with high scores, indicating a strong compliance posture.\"\n },\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of Compliance Check Results:\n- **KYC Compliance**: Compliant with a score of 98.5\n- **AML Screening**: Cleared with a score of 96.8\n- **Regulatory Compliance**: Minimal risk with a score of 97.2\n- **Internal Policy**: Compliant with a score of 95.5\n\nOverall, the compliance assessment reflects a strong adherence to regulatory and internal policies, with no identified risks or gaps.",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 1347,
"model": "gpt-4o-mini",
"output_length": 1190,
"provider": "openai",
"system_message": "You are a compliance officer specializing in loan underwriting compliance.\n\nReview all compliance check results and provide:\n1. Overall compliance status\n2. Risk assessment\n3. Any compliance gaps or concerns\n4. Recommendations for proceeding\n5. Compliance confidence score (1-100)\n\nReturn a comprehensive compliance assessment in JSON format.\n"
},
"input_format": "json",
"model_client_id": "compliance_reviewer",
"output": "Here is the consolidated compliance assessment based on the provided KYC, AML, Regulatory Compliance, and Internal Policy check results:\n\n```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"low\",\n \"identified_risks\": [],\n \"comments\": \"All compliance checks indicate low risk with no significant concerns.\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": [],\n \"comments\": \"No compliance gaps or concerns identified. All checks are complete and compliant.\"\n },\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with loan approval\",\n \"justification\": \"All compliance checks have been met with high scores, indicating a strong compliance posture.\"\n },\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of Compliance Check Results:\n- **KYC Compliance**: Compliant with a score of 98.5\n- **AML Screening**: Cleared with a score of 96.8\n- **Regulatory Compliance**: Minimal risk with a score of 97.2\n- **Internal Policy**: Compliant with a score of 95.5\n\nOverall, the compliance assessment reflects a strong adherence to regulatory and internal policies, with no identified risks or gaps.\n__OUTPUTS__ {\"ai_response\": \"Here is the consolidated compliance assessment based on the provided KYC, AML, Regulatory Compliance, and Internal Policy check results:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"low\\\",\\n \\\"identified_risks\\\": [],\\n \\\"comments\\\": \\\"All compliance checks indicate low risk with no significant concerns.\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": [],\\n \\\"comments\\\": \\\"No compliance gaps or concerns identified. All checks are complete and compliant.\\\"\\n },\\n \\\"recommendations_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with loan approval\\\",\\n \\\"justification\\\": \\\"All compliance checks have been met with high scores, indicating a strong compliance posture.\\\"\\n },\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Summary of Compliance Check Results:\\n- **KYC Compliance**: Compliant with a score of 98.5\\n- **AML Screening**: Cleared with a score of 96.8\\n- **Regulatory Compliance**: Minimal risk with a score of 97.2\\n- **Internal Policy**: Compliant with a score of 95.5\\n\\nOverall, the compliance assessment reflects a strong adherence to regulatory and internal policies, with no identified risks or gaps.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2138, \"completion_tokens\": 284, \"total_tokens\": 2422, \"estimated_cost\": {\"amount\": 0.000491, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Here is the consolidated compliance assessment based on the provided KYC, AML, Regulatory Compliance, and Internal Policy check results:\n\n```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"low\",\n \"identified_risks\": [],\n \"comments\": \"All compliance checks indicate low risk with no significant concerns.\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": [],\n \"comments\": \"No compliance gaps or concerns identified. All checks are complete and compliant.\"\n },\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with loan approval\",\n \"justification\": \"All compliance checks have been met with high scores, indicating a strong compliance posture.\"\n },\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of Compliance Check Results:\n- **KYC Compliance**: Compliant with a score of 98.5\n- **AML Screening**: Cleared with a score of 96.8\n- **Regulatory Compliance**: Minimal risk with a score of 97.2\n- **Internal Policy**: Compliant with a score of 95.5\n\nOverall, the compliance assessment reflects a strong adherence to regulatory and internal policies, with no identified risks or gaps.\n__OUTPUTS__ {\"ai_response\": \"Here is the consolidated compliance assessment based on the provided KYC, AML, Regulatory Compliance, and Internal Policy check results:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"low\\\",\\n \\\"identified_risks\\\": [],\\n \\\"comments\\\": \\\"All compliance checks indicate low risk with no significant concerns.\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": [],\\n \\\"comments\\\": \\\"No compliance gaps or concerns identified. All checks are complete and compliant.\\\"\\n },\\n \\\"recommendations_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with loan approval\\\",\\n \\\"justification\\\": \\\"All compliance checks have been met with high scores, indicating a strong compliance posture.\\\"\\n },\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Summary of Compliance Check Results:\\n- **KYC Compliance**: Compliant with a score of 98.5\\n- **AML Screening**: Cleared with a score of 96.8\\n- **Regulatory Compliance**: Minimal risk with a score of 97.2\\n- **Internal Policy**: Compliant with a score of 95.5\\n\\nOverall, the compliance assessment reflects a strong adherence to regulatory and internal policies, with no identified risks or gaps.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2138, \"completion_tokens\": 284, \"total_tokens\": 2422, \"estimated_cost\": {\"amount\": 0.000491, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"consolidate_document_verification": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_verification_success_rate\": 100.0,\n \"consistency_across_documents\": {\n \"name\": {\n \"documented_name\": \"JOHN DOE\",\n \"application_name\": \"John Doe\",\n \"match\": true\n },\n \"address\": {\n \"documented_address\": \"123 Main St, City, State 12345\",\n \"application_address\": \"123 Main St, City, State 12345\",\n \"match\": true\n },\n \"pan_number\": \"ABCDE1234F\",\n \"aadhaar_number\": \"1234-5678-9012\",\n \"passport_number\": \"A1234567\"\n },\n \"risk_factors_identified\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Proceed with caution\",\n \"justification\": \"While all documents have been verified successfully and show consistency, the low requested loan amount for a home purchase raises a red flag that should be addressed before final approval.\"\n }\n}\n```",
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"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 100.0,\n \"consistency_across_documents\": {\n \"name\": {\n \"documented_name\": \"JOHN DOE\",\n \"application_name\": \"John Doe\",\n \"match\": true\n },\n \"address\": {\n \"documented_address\": \"123 Main St, City, State 12345\",\n \"application_address\": \"123 Main St, City, State 12345\",\n \"match\": true\n },\n \"pan_number\": \"ABCDE1234F\",\n \"aadhaar_number\": \"1234-5678-9012\",\n \"passport_number\": \"A1234567\"\n },\n \"risk_factors_identified\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Proceed with caution\",\n \"justification\": \"While all documents have been verified successfully and show consistency, the low requested loan amount for a home purchase raises a red flag that should be addressed before final approval.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100.0,\\n \\\"consistency_across_documents\\\": {\\n \\\"name\\\": {\\n \\\"documented_name\\\": \\\"JOHN DOE\\\",\\n \\\"application_name\\\": \\\"John Doe\\\",\\n \\\"match\\\": true\\n },\\n \\\"address\\\": {\\n \\\"documented_address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"application_address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"match\\\": true\\n },\\n \\\"pan_number\\\": \\\"ABCDE1234F\\\",\\n \\\"aadhaar_number\\\": \\\"1234-5678-9012\\\",\\n \\\"passport_number\\\": \\\"A1234567\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"requested_amount\\\": {\\n \\\"amount\\\": 10000,\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"concern\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\\\"\\n }\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with caution\\\",\\n \\\"justification\\\": \\\"While all documents have been verified successfully and show consistency, the low requested loan amount for a home purchase raises a red flag that should be addressed before final approval.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 573, \"completion_tokens\": 287, \"total_tokens\": 860, \"estimated_cost\": {\"amount\": 0.000258, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"overall_verification_success_rate\": 100.0,\n \"consistency_across_documents\": {\n \"name\": {\n \"documented_name\": \"JOHN DOE\",\n \"application_name\": \"John Doe\",\n \"match\": true\n },\n \"address\": {\n \"documented_address\": \"123 Main St, City, State 12345\",\n \"application_address\": \"123 Main St, City, State 12345\",\n \"match\": true\n },\n \"pan_number\": \"ABCDE1234F\",\n \"aadhaar_number\": \"1234-5678-9012\",\n \"passport_number\": \"A1234567\"\n },\n \"risk_factors_identified\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Proceed with caution\",\n \"justification\": \"While all documents have been verified successfully and show consistency, the low requested loan amount for a home purchase raises a red flag that should be addressed before final approval.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100.0,\\n \\\"consistency_across_documents\\\": {\\n \\\"name\\\": {\\n \\\"documented_name\\\": \\\"JOHN DOE\\\",\\n \\\"application_name\\\": \\\"John Doe\\\",\\n \\\"match\\\": true\\n },\\n \\\"address\\\": {\\n \\\"documented_address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"application_address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"match\\\": true\\n },\\n \\\"pan_number\\\": \\\"ABCDE1234F\\\",\\n \\\"aadhaar_number\\\": \\\"1234-5678-9012\\\",\\n \\\"passport_number\\\": \\\"A1234567\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"requested_amount\\\": {\\n \\\"amount\\\": 10000,\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"concern\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\\\"\\n }\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with caution\\\",\\n \\\"justification\\\": \\\"While all documents have been verified successfully and show consistency, the low requested loan amount for a home purchase raises a red flag that should be addressed before final approval.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 573, \"completion_tokens\": 287, \"total_tokens\": 860, \"estimated_cost\": {\"amount\": 0.000258, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Recent Inquiries**: 2\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a low risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is considered good).\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The minor late payments (30, 60, and 90 days) indicate occasional issues but are not significant enough to raise major concerns.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization ratio is healthy, suggesting that the individual is not overly reliant on credit and is managing their credit responsibly.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: $7,700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: $125,000\n- **Repayment Track Record**: Excellent\n\n**Analysis**: The loan burden ratio of 28% is well within acceptable limits (generally below 40% is considered good). The individual has a manageable level of debt relative to their income, which indicates a good capacity to service existing debts.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: The individual demonstrates strong financial discipline with a high percentage of on-time payments and no defaults.\n\n### Risk Score Calculation\nConsidering all the factors analyzed, we can assign a risk score based on the following criteria:\n- Excellent Credit Score: 10 points\n- Good Payment History: 10 points\n- Low Credit Utilization: 10 points\n- Strong Repayment Patterns: 10 points\n- Manageable Loan Burden: 10 points\n\nGiven the overall positive indicators and minor concerns (such as occasional late payments), we can assign a risk score of **15 out of 100** (where 100 is the highest risk).\n\n### Recommendations\n1. **Proceed with Loan Approval**: Given the strong credit profile, the individual is a low-risk candidate for loan approval.\n2. **Monitor Financial Behavior**: Continue to monitor the repayment patterns, especially the instances of late payments, to ensure they do not escalate.\n3. **Maintain Low Credit Utilization**: Encourage the individual to keep credit utilization below 30% to further enhance their credit score.\n4. **Consider Financial Education**: If the individual is planning to take on more significant loans in the future, consider providing financial education regarding managing larger debts and understanding loan costs.\n\nOverall, the individual presents a strong financial profile with a low risk of default.",
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"system_message": "You are a credit risk assessment specialist. Analyze the provided credit data and calculate default risk.\n\nConsider:\n1. Credit score and history\n2. Repayment patterns\n3. Credit utilization\n4. Existing loan burden\n5. Overall risk profile\n\nProvide a risk score (1-100, where 100 is highest risk) and detailed risk analysis.\n"
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Recent Inquiries**: 2\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a low risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is considered good).\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The minor late payments (30, 60, and 90 days) indicate occasional issues but are not significant enough to raise major concerns.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization ratio is healthy, suggesting that the individual is not overly reliant on credit and is managing their credit responsibly.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: $7,700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: $125,000\n- **Repayment Track Record**: Excellent\n\n**Analysis**: The loan burden ratio of 28% is well within acceptable limits (generally below 40% is considered good). The individual has a manageable level of debt relative to their income, which indicates a good capacity to service existing debts.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: The individual demonstrates strong financial discipline with a high percentage of on-time payments and no defaults.\n\n### Risk Score Calculation\nConsidering all the factors analyzed, we can assign a risk score based on the following criteria:\n- Excellent Credit Score: 10 points\n- Good Payment History: 10 points\n- Low Credit Utilization: 10 points\n- Strong Repayment Patterns: 10 points\n- Manageable Loan Burden: 10 points\n\nGiven the overall positive indicators and minor concerns (such as occasional late payments), we can assign a risk score of **15 out of 100** (where 100 is the highest risk).\n\n### Recommendations\n1. **Proceed with Loan Approval**: Given the strong credit profile, the individual is a low-risk candidate for loan approval.\n2. **Monitor Financial Behavior**: Continue to monitor the repayment patterns, especially the instances of late payments, to ensure they do not escalate.\n3. **Maintain Low Credit Utilization**: Encourage the individual to keep credit utilization below 30% to further enhance their credit score.\n4. **Consider Financial Education**: If the individual is planning to take on more significant loans in the future, consider providing financial education regarding managing larger debts and understanding loan costs.\n\nOverall, the individual presents a strong financial profile with a low risk of default.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Recent Inquiries**: 2\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a low risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is considered good).\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0%\\n- **30 Days Late**: 12.0%\\n- **60 Days Late**: 2.5%\\n- **90 Days Late**: 0.5%\\n- **Never Missed Payments**: 85.0%\\n\\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The minor late payments (30, 60, and 90 days) indicate occasional issues but are not significant enough to raise major concerns.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: The credit utilization ratio is healthy, suggesting that the individual is not overly reliant on credit and is managing their credit responsibly.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: $7,700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: $125,000\\n- **Repayment Track Record**: Excellent\\n\\n**Analysis**: The loan burden ratio of 28% is well within acceptable limits (generally below 40% is considered good). The individual has a manageable level of debt relative to their income, which indicates a good capacity to service existing debts.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The individual has a stable income and a good debt-to-income ratio.\\n- **Financial Discipline**: The individual demonstrates strong financial discipline with a high percentage of on-time payments and no defaults.\\n\\n### Risk Score Calculation\\nConsidering all the factors analyzed, we can assign a risk score based on the following criteria:\\n- Excellent Credit Score: 10 points\\n- Good Payment History: 10 points\\n- Low Credit Utilization: 10 points\\n- Strong Repayment Patterns: 10 points\\n- Manageable Loan Burden: 10 points\\n\\nGiven the overall positive indicators and minor concerns (such as occasional late payments), we can assign a risk score of **15 out of 100** (where 100 is the highest risk).\\n\\n### Recommendations\\n1. **Proceed with Loan Approval**: Given the strong credit profile, the individual is a low-risk candidate for loan approval.\\n2. **Monitor Financial Behavior**: Continue to monitor the repayment patterns, especially the instances of late payments, to ensure they do not escalate.\\n3. **Maintain Low Credit Utilization**: Encourage the individual to keep credit utilization below 30% to further enhance their credit score.\\n4. **Consider Financial Education**: If the individual is planning to take on more significant loans in the future, consider providing financial education regarding managing larger debts and understanding loan costs.\\n\\nOverall, the individual presents a strong financial profile with a low risk of default.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1404, \"completion_tokens\": 757, \"total_tokens\": 2161, \"estimated_cost\": {\"amount\": 0.000665, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Recent Inquiries**: 2\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a low risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is considered good).\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The minor late payments (30, 60, and 90 days) indicate occasional issues but are not significant enough to raise major concerns.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization ratio is healthy, suggesting that the individual is not overly reliant on credit and is managing their credit responsibly.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: $7,700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: $125,000\n- **Repayment Track Record**: Excellent\n\n**Analysis**: The loan burden ratio of 28% is well within acceptable limits (generally below 40% is considered good). The individual has a manageable level of debt relative to their income, which indicates a good capacity to service existing debts.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: The individual demonstrates strong financial discipline with a high percentage of on-time payments and no defaults.\n\n### Risk Score Calculation\nConsidering all the factors analyzed, we can assign a risk score based on the following criteria:\n- Excellent Credit Score: 10 points\n- Good Payment History: 10 points\n- Low Credit Utilization: 10 points\n- Strong Repayment Patterns: 10 points\n- Manageable Loan Burden: 10 points\n\nGiven the overall positive indicators and minor concerns (such as occasional late payments), we can assign a risk score of **15 out of 100** (where 100 is the highest risk).\n\n### Recommendations\n1. **Proceed with Loan Approval**: Given the strong credit profile, the individual is a low-risk candidate for loan approval.\n2. **Monitor Financial Behavior**: Continue to monitor the repayment patterns, especially the instances of late payments, to ensure they do not escalate.\n3. **Maintain Low Credit Utilization**: Encourage the individual to keep credit utilization below 30% to further enhance their credit score.\n4. **Consider Financial Education**: If the individual is planning to take on more significant loans in the future, consider providing financial education regarding managing larger debts and understanding loan costs.\n\nOverall, the individual presents a strong financial profile with a low risk of default.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Recent Inquiries**: 2\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a low risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is considered good).\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0%\\n- **30 Days Late**: 12.0%\\n- **60 Days Late**: 2.5%\\n- **90 Days Late**: 0.5%\\n- **Never Missed Payments**: 85.0%\\n\\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The minor late payments (30, 60, and 90 days) indicate occasional issues but are not significant enough to raise major concerns.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: The credit utilization ratio is healthy, suggesting that the individual is not overly reliant on credit and is managing their credit responsibly.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: $7,700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: $125,000\\n- **Repayment Track Record**: Excellent\\n\\n**Analysis**: The loan burden ratio of 28% is well within acceptable limits (generally below 40% is considered good). The individual has a manageable level of debt relative to their income, which indicates a good capacity to service existing debts.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The individual has a stable income and a good debt-to-income ratio.\\n- **Financial Discipline**: The individual demonstrates strong financial discipline with a high percentage of on-time payments and no defaults.\\n\\n### Risk Score Calculation\\nConsidering all the factors analyzed, we can assign a risk score based on the following criteria:\\n- Excellent Credit Score: 10 points\\n- Good Payment History: 10 points\\n- Low Credit Utilization: 10 points\\n- Strong Repayment Patterns: 10 points\\n- Manageable Loan Burden: 10 points\\n\\nGiven the overall positive indicators and minor concerns (such as occasional late payments), we can assign a risk score of **15 out of 100** (where 100 is the highest risk).\\n\\n### Recommendations\\n1. **Proceed with Loan Approval**: Given the strong credit profile, the individual is a low-risk candidate for loan approval.\\n2. **Monitor Financial Behavior**: Continue to monitor the repayment patterns, especially the instances of late payments, to ensure they do not escalate.\\n3. **Maintain Low Credit Utilization**: Encourage the individual to keep credit utilization below 30% to further enhance their credit score.\\n4. **Consider Financial Education**: If the individual is planning to take on more significant loans in the future, consider providing financial education regarding managing larger debts and understanding loan costs.\\n\\nOverall, the individual presents a strong financial profile with a low risk of default.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1404, \"completion_tokens\": 757, \"total_tokens\": 2161, \"estimated_cost\": {\"amount\": 0.000665, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "### Final Recommendation: CONDITIONAL APPROVAL\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: To be determined based on market rates and borrower profile.\n- **Loan Term**: 5 years\n- **Monthly EMI**: Approximately $200 (subject to final interest rate)\n- **Condition**: The borrower must provide clarification on the unusually low requested amount for a home purchase and demonstrate understanding of the associated costs.\n\n#### Risk Mitigation Measures:\n1. **Clarification Requirement**: The borrower must submit a detailed explanation of the intended use of the $10,000 loan in relation to the home purchase. This should include a breakdown of expected costs and how the loan fits into their overall financial plan.\n2. **Monitoring**: Regular monitoring of the borrower\u2019s financial behavior, particularly their repayment patterns and any changes in income or debt levels.\n3. **Financial Education**: Offer resources or workshops on home purchasing costs and financial management to ensure the borrower is well-informed.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall quality score of 75. However, the requested loan amount is significantly low for a home purchase, raising concerns about the borrower\u2019s understanding of the costs involved.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The consistency across documents supports the authenticity of the application.\n\n3. **Income Assessment**: The borrower has a stable income of $81,600 annually, with a strong debt-to-income ratio of 35.9%, which is below the acceptable limit of 40%. This indicates a good capacity to service existing debts.\n\n4. **Credit Profile**: The borrower has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and a manageable credit utilization rate of 35.5%. The repayment patterns indicate a low risk of default.\n\n5. **Compliance Status**: The borrower has passed all compliance checks with a low risk category, indicating adherence to regulatory requirements.\n\n6. **Overall Risk Profile**: While the borrower presents a strong financial profile, the low requested amount for a home purchase is a significant red flag that needs to be addressed. The conditional approval allows for further clarification while still recognizing the borrower\u2019s strong financial standing.\n\n#### Confidence Level: 85\nThe confidence level is moderately high due to the strong financial indicators, but the concern regarding the low loan amount necessitates further clarification before full approval.",
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This should include a breakdown of expected costs and how the loan fits into their overall financial plan.\n2. **Monitoring**: Regular monitoring of the borrower\u2019s financial behavior, particularly their repayment patterns and any changes in income or debt levels.\n3. **Financial Education**: Offer resources or workshops on home purchasing costs and financial management to ensure the borrower is well-informed.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall quality score of 75. However, the requested loan amount is significantly low for a home purchase, raising concerns about the borrower\u2019s understanding of the costs involved.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The consistency across documents supports the authenticity of the application.\n\n3. **Income Assessment**: The borrower has a stable income of $81,600 annually, with a strong debt-to-income ratio of 35.9%, which is below the acceptable limit of 40%. This indicates a good capacity to service existing debts.\n\n4. **Credit Profile**: The borrower has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and a manageable credit utilization rate of 35.5%. The repayment patterns indicate a low risk of default.\n\n5. **Compliance Status**: The borrower has passed all compliance checks with a low risk category, indicating adherence to regulatory requirements.\n\n6. **Overall Risk Profile**: While the borrower presents a strong financial profile, the low requested amount for a home purchase is a significant red flag that needs to be addressed. The conditional approval allows for further clarification while still recognizing the borrower\u2019s strong financial standing.\n\n#### Confidence Level: 85\nThe confidence level is moderately high due to the strong financial indicators, but the concern regarding the low loan amount necessitates further clarification before full approval.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: CONDITIONAL APPROVAL\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: To be determined based on market rates and borrower profile.\\n- **Loan Term**: 5 years\\n- **Monthly EMI**: Approximately $200 (subject to final interest rate)\\n- **Condition**: The borrower must provide clarification on the unusually low requested amount for a home purchase and demonstrate understanding of the associated costs.\\n\\n#### Risk Mitigation Measures:\\n1. **Clarification Requirement**: The borrower must submit a detailed explanation of the intended use of the $10,000 loan in relation to the home purchase. This should include a breakdown of expected costs and how the loan fits into their overall financial plan.\\n2. **Monitoring**: Regular monitoring of the borrower\\u2019s financial behavior, particularly their repayment patterns and any changes in income or debt levels.\\n3. **Financial Education**: Offer resources or workshops on home purchasing costs and financial management to ensure the borrower is well-informed.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall quality score of 75. However, the requested loan amount is significantly low for a home purchase, raising concerns about the borrower\\u2019s understanding of the costs involved.\\n \\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The consistency across documents supports the authenticity of the application.\\n\\n3. **Income Assessment**: The borrower has a stable income of $81,600 annually, with a strong debt-to-income ratio of 35.9%, which is below the acceptable limit of 40%. This indicates a good capacity to service existing debts.\\n\\n4. **Credit Profile**: The borrower has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and a manageable credit utilization rate of 35.5%. The repayment patterns indicate a low risk of default.\\n\\n5. **Compliance Status**: The borrower has passed all compliance checks with a low risk category, indicating adherence to regulatory requirements.\\n\\n6. **Overall Risk Profile**: While the borrower presents a strong financial profile, the low requested amount for a home purchase is a significant red flag that needs to be addressed. The conditional approval allows for further clarification while still recognizing the borrower\\u2019s strong financial standing.\\n\\n#### Confidence Level: 85\\nThe confidence level is moderately high due to the strong financial indicators, but the concern regarding the low loan amount necessitates further clarification before full approval.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 4972, \"completion_tokens\": 524, \"total_tokens\": 5496, \"estimated_cost\": {\"amount\": 0.00106, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "### Final Recommendation: CONDITIONAL APPROVAL\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: To be determined based on market rates and borrower profile.\n- **Loan Term**: 5 years\n- **Monthly EMI**: Approximately $200 (subject to final interest rate)\n- **Condition**: The borrower must provide clarification on the unusually low requested amount for a home purchase and demonstrate understanding of the associated costs.\n\n#### Risk Mitigation Measures:\n1. **Clarification Requirement**: The borrower must submit a detailed explanation of the intended use of the $10,000 loan in relation to the home purchase. This should include a breakdown of expected costs and how the loan fits into their overall financial plan.\n2. **Monitoring**: Regular monitoring of the borrower\u2019s financial behavior, particularly their repayment patterns and any changes in income or debt levels.\n3. **Financial Education**: Offer resources or workshops on home purchasing costs and financial management to ensure the borrower is well-informed.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall quality score of 75. However, the requested loan amount is significantly low for a home purchase, raising concerns about the borrower\u2019s understanding of the costs involved.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The consistency across documents supports the authenticity of the application.\n\n3. **Income Assessment**: The borrower has a stable income of $81,600 annually, with a strong debt-to-income ratio of 35.9%, which is below the acceptable limit of 40%. This indicates a good capacity to service existing debts.\n\n4. **Credit Profile**: The borrower has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and a manageable credit utilization rate of 35.5%. The repayment patterns indicate a low risk of default.\n\n5. **Compliance Status**: The borrower has passed all compliance checks with a low risk category, indicating adherence to regulatory requirements.\n\n6. **Overall Risk Profile**: While the borrower presents a strong financial profile, the low requested amount for a home purchase is a significant red flag that needs to be addressed. The conditional approval allows for further clarification while still recognizing the borrower\u2019s strong financial standing.\n\n#### Confidence Level: 85\nThe confidence level is moderately high due to the strong financial indicators, but the concern regarding the low loan amount necessitates further clarification before full approval.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: CONDITIONAL APPROVAL\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: To be determined based on market rates and borrower profile.\\n- **Loan Term**: 5 years\\n- **Monthly EMI**: Approximately $200 (subject to final interest rate)\\n- **Condition**: The borrower must provide clarification on the unusually low requested amount for a home purchase and demonstrate understanding of the associated costs.\\n\\n#### Risk Mitigation Measures:\\n1. **Clarification Requirement**: The borrower must submit a detailed explanation of the intended use of the $10,000 loan in relation to the home purchase. This should include a breakdown of expected costs and how the loan fits into their overall financial plan.\\n2. **Monitoring**: Regular monitoring of the borrower\\u2019s financial behavior, particularly their repayment patterns and any changes in income or debt levels.\\n3. **Financial Education**: Offer resources or workshops on home purchasing costs and financial management to ensure the borrower is well-informed.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall quality score of 75. However, the requested loan amount is significantly low for a home purchase, raising concerns about the borrower\\u2019s understanding of the costs involved.\\n \\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. 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"ai_response": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"overall_stability_score\": 90,\n \"comments\": \"The income is stable with a consistent salary and a recent increment, indicating positive employment conditions.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating a good capacity to service existing debts.\"\n },\n \"financial_discipline_evaluation\": {\n \"financial_discipline_score\": 85.5,\n \"account_balance_trend\": \"stable\",\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"comments\": \"The individual demonstrates strong financial discipline with no bounced transactions and a stable account balance.\"\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [],\n \"recommendations\": [\n \"Continue monitoring the debt-to-income ratio as income increases.\",\n \"Maintain the current level of financial discipline to ensure ongoing stability.\"\n ],\n \"comments\": \"No significant risk factors identified. The financial profile is strong.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"final_comments\": \"The individual presents a strong financial profile with stable income, good debt servicing capability, and high financial discipline. Overall, they are well-positioned for loan underwriting.\"\n}\n```",
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"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"overall_stability_score\": 90,\n \"comments\": \"The income is stable with a consistent salary and a recent increment, indicating positive employment conditions.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating a good capacity to service existing debts.\"\n },\n \"financial_discipline_evaluation\": {\n \"financial_discipline_score\": 85.5,\n \"account_balance_trend\": \"stable\",\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"comments\": \"The individual demonstrates strong financial discipline with no bounced transactions and a stable account balance.\"\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [],\n \"recommendations\": [\n \"Continue monitoring the debt-to-income ratio as income increases.\",\n \"Maintain the current level of financial discipline to ensure ongoing stability.\"\n ],\n \"comments\": \"No significant risk factors identified. The financial profile is strong.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"final_comments\": \"The individual presents a strong financial profile with stable income, good debt servicing capability, and high financial discipline. Overall, they are well-positioned for loan underwriting.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"overall_stability_score\\\": 90,\\n \\\"comments\\\": \\\"The income is stable with a consistent salary and a recent increment, indicating positive employment conditions.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating a good capacity to service existing debts.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"comments\\\": \\\"The individual demonstrates strong financial discipline with no bounced transactions and a stable account balance.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring the debt-to-income ratio as income increases.\\\",\\n \\\"Maintain the current level of financial discipline to ensure ongoing stability.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The financial profile is strong.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"final_comments\\\": \\\"The individual presents a strong financial profile with stable income, good debt servicing capability, and high financial discipline. Overall, they are well-positioned for loan underwriting.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1072, \"completion_tokens\": 382, \"total_tokens\": 1454, \"estimated_cost\": {\"amount\": 0.00039, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"overall_stability_score\": 90,\n \"comments\": \"The income is stable with a consistent salary and a recent increment, indicating positive employment conditions.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating a good capacity to service existing debts.\"\n },\n \"financial_discipline_evaluation\": {\n \"financial_discipline_score\": 85.5,\n \"account_balance_trend\": \"stable\",\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"comments\": \"The individual demonstrates strong financial discipline with no bounced transactions and a stable account balance.\"\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [],\n \"recommendations\": [\n \"Continue monitoring the debt-to-income ratio as income increases.\",\n \"Maintain the current level of financial discipline to ensure ongoing stability.\"\n ],\n \"comments\": \"No significant risk factors identified. The financial profile is strong.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"final_comments\": \"The individual presents a strong financial profile with stable income, good debt servicing capability, and high financial discipline. Overall, they are well-positioned for loan underwriting.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"overall_stability_score\\\": 90,\\n \\\"comments\\\": \\\"The income is stable with a consistent salary and a recent increment, indicating positive employment conditions.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating a good capacity to service existing debts.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"comments\\\": \\\"The individual demonstrates strong financial discipline with no bounced transactions and a stable account balance.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring the debt-to-income ratio as income increases.\\\",\\n \\\"Maintain the current level of financial discipline to ensure ongoing stability.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The financial profile is strong.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"final_comments\\\": \\\"The individual presents a strong financial profile with stable income, good debt servicing capability, and high financial discipline. Overall, they are well-positioned for loan underwriting.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1072, \"completion_tokens\": 382, \"total_tokens\": 1454, \"estimated_cost\": {\"amount\": 0.00039, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"internal_policy_check": {
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"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
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},
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"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
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"output": "__OUTPUTS__ {\"kyc_status\": \"compliant\", \"identity_verified\": true, \"address_verified\": true, \"income_verified\": true, \"documents_complete\": true, \"risk_category\": \"low\", \"compliance_score\": 98.5, \"last_updated\": \"2024-07-15\", \"regulatory_requirements_met\": true}\n",
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},
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"output": "__OUTPUTS__ {\"rbi_guidelines_met\": true, \"lending_norms_compliant\": true, \"documentation_complete\": true, \"disclosure_requirements_met\": true, \"consumer_protection_compliant\": true, \"data_privacy_compliant\": true, \"compliance_score\": 97.2, \"audit_trail_complete\": true, \"regulatory_risk\": \"minimal\"}\n",
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},
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"task_outputs": {
"aml_screening": {
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"aml_status": "cleared",
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"output": "__OUTPUTS__ {\"aml_status\": \"cleared\", \"watchlist_check\": \"no_matches\", \"pep_screening\": \"not_identified\", \"sanctions_check\": \"cleared\", \"adverse_media\": \"no_hits\", \"risk_rating\": \"low\", \"compliance_score\": 96.8, \"screening_date\": \"2024-07-15\", \"manual_review_required\": false}\n",
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},
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"output": "__OUTPUTS__ {\"aml_status\": \"cleared\", \"watchlist_check\": \"no_matches\", \"pep_screening\": \"not_identified\", \"sanctions_check\": \"cleared\", \"adverse_media\": \"no_hits\", \"risk_rating\": \"low\", \"compliance_score\": 96.8, \"screening_date\": \"2024-07-15\", \"manual_review_required\": false}\n",
"pep_screening": "not_identified",
"return_code": 0,
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"watchlist_check": "no_matches"
},
"analyze_bank_statements": {
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"average_monthly_credits": 7200,
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"output": "__OUTPUTS__ {\"average_monthly_credits\": 7200, \"salary_credits_consistent\": true, \"account_balance_trend\": \"stable\", \"minimum_balance\": 15000, \"maximum_balance\": 45000, \"bounced_transactions\": 0, \"loan_emis_detected\": 2, \"total_monthly_debits\": 5800, \"financial_discipline_score\": 85.5, \"irregular_transactions\": false}\n",
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"financial_discipline_score": 85.5,
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"maximum_balance": 45000,
"minimum_balance": 15000,
"output": "__OUTPUTS__ {\"average_monthly_credits\": 7200, \"salary_credits_consistent\": true, \"account_balance_trend\": \"stable\", \"minimum_balance\": 15000, \"maximum_balance\": 45000, \"bounced_transactions\": 0, \"loan_emis_detected\": 2, \"total_monthly_debits\": 5800, \"financial_discipline_score\": 85.5, \"irregular_transactions\": false}\n",
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},
"analyze_credit_history": {
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"credit_cards": 3,
"home_loans": 0,
"other": 1,
"personal_loans": 1
},
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},
"oldest_account_age": "60 months",
"output": "__OUTPUTS__ {\"oldest_account_age\": \"60 months\", \"average_account_age\": \"32 months\", \"credit_mix\": {\"credit_cards\": 3, \"personal_loans\": 1, \"auto_loans\": 1, \"home_loans\": 0, \"other\": 1}, \"repayment_behavior\": {\"never_missed\": 85.0, \"30_days_late\": 12.0, \"60_days_late\": 2.5, \"90_days_late\": 0.5, \"defaults\": 0.0}, \"credit_limit_utilization\": 35.2, \"recent_credit_behavior\": \"stable\"}\n",
"recent_credit_behavior": "stable",
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"60_days_late": 2.5,
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"defaults": 0.0,
"never_missed": 85.0
},
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"task_id": "analyze_credit_history"
},
"analyze_salary_slips": {
"annual_gross": 102000,
"annual_net": 81600,
"deductions": {
"insurance": 300,
"pf": 500,
"tax": 1200
},
"employer": "Tech Corp Ltd",
"employment_duration": "2.5 years",
"execution_details": {
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"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
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},
"monthly_gross": 8500,
"monthly_net": 6800,
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
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"application_quality_check": {
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"ai_response": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"overall_application_quality_score\": 75\n}\n```",
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"system_message": "You are an expert loan underwriting analyst. Review the application data and assess its quality.\n\nEvaluate:\n1. Data completeness and accuracy\n2. Consistency of information\n3. Red flags or inconsistencies\n4. Overall application quality score (1-100)\n\nReturn a JSON response with your assessment.\n"
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"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"overall_application_quality_score\": 75\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 10000,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"requested_amount\\\": {\\n \\\"amount\\\": 10000,\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"concern\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 75\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 199, \"completion_tokens\": 238, \"total_tokens\": 437, \"estimated_cost\": {\"amount\": 0.000173, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"overall_application_quality_score\": 75\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 10000,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"requested_amount\\\": {\\n \\\"amount\\\": 10000,\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"concern\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 75\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 199, \"completion_tokens\": 238, \"total_tokens\": 437, \"estimated_cost\": {\"amount\": 0.000173, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
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"task_id": "application_quality_check",
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},
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"prompt_tokens": 199,
"provider": "openai",
"total_tokens": 437
}
},
"assess_existing_loans": {
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"return_code": 0,
"status": "completed",
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},
"duration_seconds": 0.23332,
"end_time": "2025-07-15T13:49:18.207570",
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"timestamp": "2025-07-15T13:49:18.207570",
"worker_executed": true,
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},
"loan_burden_ratio": 0.28,
"loan_details": [
{
"emi": 3500,
"outstanding": 45000,
"remaining_tenure": "18 months",
"type": "personal_loan"
},
{
"emi": 4200,
"outstanding": 80000,
"remaining_tenure": "24 months",
"type": "auto_loan"
}
],
"number_of_loans": 2,
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"repayment_track_record": "excellent",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "assess_existing_loans",
"total_monthly_emi": 7700,
"total_outstanding": 125000
},
"calculate_credit_score": {
"cibil_score": 720,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"status": "completed",
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},
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"end_time": "2025-07-15T13:49:35.289298",
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"timestamp": "2025-07-15T13:49:35.289298",
"worker_executed": true,
"workers_notified": true
},
"internal_credit_score": 337.9,
"min_required_score": 650,
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"risk_category": "high",
"score_acceptable": false,
"scoring_factors": {
"cibil_contribution": 288.0,
"loan_burden_contribution": 7.2,
"payment_history_contribution": 29.7,
"utilization_contribution": 12.96
},
"status": "completed",
"stderr": "",
"task_id": "calculate_credit_score"
},
"calculate_debt_to_income": {
"debt_to_income_ratio": 0.3590686274509804,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.246512,
"end_time": "2025-07-15T13:49:08.939545",
"message_sent": true,
"start_time": "2025-07-15T13:49:08.693033",
"timestamp": "2025-07-15T13:49:08.939545",
"worker_executed": true,
"workers_notified": true
},
"existing_debt_payments": 2400,
"max_allowed_ratio": 0.4,
"monthly_net_income": 6800,
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
"proposed_emi": 41.666666666666664,
"ratio_acceptable": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "calculate_debt_to_income",
"total_debt_payments": 2441.6666666666665
},
"check_cibil_score": {
"active_accounts": 6,
"closed_accounts": 2,
"credit_history_length": "5 years",
"credit_score": 720,
"credit_utilization": 35.5,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.209576,
"end_time": "2025-07-15T13:49:17.678691",
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"start_time": "2025-07-15T13:49:17.469115",
"timestamp": "2025-07-15T13:49:17.678691",
"worker_executed": true,
"workers_notified": true
},
"last_updated": "2024-06-01",
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"payment_history": "99% on-time",
"recent_inquiries": 2,
"return_code": 0,
"score_range": "Good",
"status": "completed",
"stderr": "",
"task_id": "check_cibil_score",
"total_accounts": 8
},
"compliance_consolidation": {
"agent_type": "assistant",
"ai_response": "Here is the consolidated compliance assessment based on the provided KYC, AML, Regulatory Compliance, and Internal Policy check results:\n\n```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"low\",\n \"identified_risks\": [],\n \"comments\": \"All compliance checks indicate low risk with no significant concerns.\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": [],\n \"comments\": \"No compliance gaps or concerns identified. All checks are complete and compliant.\"\n },\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with loan approval\",\n \"justification\": \"All compliance checks have been met with high scores, indicating a strong compliance posture.\"\n },\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of Compliance Check Results:\n- **KYC Compliance**: Compliant with a score of 98.5\n- **AML Screening**: Cleared with a score of 96.8\n- **Regulatory Compliance**: Minimal risk with a score of 97.2\n- **Internal Policy**: Compliant with a score of 95.5\n\nOverall, the compliance assessment reflects a strong adherence to regulatory and internal policies, with no identified risks or gaps.",
"execution_details": {
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"agent_type": "assistant",
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"provider": "openai",
"system_message": "You are a compliance officer specializing in loan underwriting compliance.\n\nReview all compliance check results and provide:\n1. Overall compliance status\n2. Risk assessment\n3. Any compliance gaps or concerns\n4. Recommendations for proceeding\n5. Compliance confidence score (1-100)\n\nReturn a comprehensive compliance assessment in JSON format.\n"
},
"input_format": "json",
"model_client_id": "compliance_reviewer",
"output": "Here is the consolidated compliance assessment based on the provided KYC, AML, Regulatory Compliance, and Internal Policy check results:\n\n```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"low\",\n \"identified_risks\": [],\n \"comments\": \"All compliance checks indicate low risk with no significant concerns.\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": [],\n \"comments\": \"No compliance gaps or concerns identified. All checks are complete and compliant.\"\n },\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with loan approval\",\n \"justification\": \"All compliance checks have been met with high scores, indicating a strong compliance posture.\"\n },\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of Compliance Check Results:\n- **KYC Compliance**: Compliant with a score of 98.5\n- **AML Screening**: Cleared with a score of 96.8\n- **Regulatory Compliance**: Minimal risk with a score of 97.2\n- **Internal Policy**: Compliant with a score of 95.5\n\nOverall, the compliance assessment reflects a strong adherence to regulatory and internal policies, with no identified risks or gaps.\n__OUTPUTS__ {\"ai_response\": \"Here is the consolidated compliance assessment based on the provided KYC, AML, Regulatory Compliance, and Internal Policy check results:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"low\\\",\\n \\\"identified_risks\\\": [],\\n \\\"comments\\\": \\\"All compliance checks indicate low risk with no significant concerns.\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": [],\\n \\\"comments\\\": \\\"No compliance gaps or concerns identified. All checks are complete and compliant.\\\"\\n },\\n \\\"recommendations_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with loan approval\\\",\\n \\\"justification\\\": \\\"All compliance checks have been met with high scores, indicating a strong compliance posture.\\\"\\n },\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Summary of Compliance Check Results:\\n- **KYC Compliance**: Compliant with a score of 98.5\\n- **AML Screening**: Cleared with a score of 96.8\\n- **Regulatory Compliance**: Minimal risk with a score of 97.2\\n- **Internal Policy**: Compliant with a score of 95.5\\n\\nOverall, the compliance assessment reflects a strong adherence to regulatory and internal policies, with no identified risks or gaps.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2138, \"completion_tokens\": 284, \"total_tokens\": 2422, \"estimated_cost\": {\"amount\": 0.000491, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
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"currency": "USD"
},
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}
},
"duration_seconds": 6.321643,
"end_time": "2025-07-15T13:49:42.814082",
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},
"model": "gpt-4o-mini",
"model_client_id": "compliance_reviewer",
"output": "Here is the consolidated compliance assessment based on the provided KYC, AML, Regulatory Compliance, and Internal Policy check results:\n\n```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"low\",\n \"identified_risks\": [],\n \"comments\": \"All compliance checks indicate low risk with no significant concerns.\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": [],\n \"comments\": \"No compliance gaps or concerns identified. All checks are complete and compliant.\"\n },\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with loan approval\",\n \"justification\": \"All compliance checks have been met with high scores, indicating a strong compliance posture.\"\n },\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of Compliance Check Results:\n- **KYC Compliance**: Compliant with a score of 98.5\n- **AML Screening**: Cleared with a score of 96.8\n- **Regulatory Compliance**: Minimal risk with a score of 97.2\n- **Internal Policy**: Compliant with a score of 95.5\n\nOverall, the compliance assessment reflects a strong adherence to regulatory and internal policies, with no identified risks or gaps.\n__OUTPUTS__ {\"ai_response\": \"Here is the consolidated compliance assessment based on the provided KYC, AML, Regulatory Compliance, and Internal Policy check results:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"low\\\",\\n \\\"identified_risks\\\": [],\\n \\\"comments\\\": \\\"All compliance checks indicate low risk with no significant concerns.\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": [],\\n \\\"comments\\\": \\\"No compliance gaps or concerns identified. All checks are complete and compliant.\\\"\\n },\\n \\\"recommendations_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with loan approval\\\",\\n \\\"justification\\\": \\\"All compliance checks have been met with high scores, indicating a strong compliance posture.\\\"\\n },\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Summary of Compliance Check Results:\\n- **KYC Compliance**: Compliant with a score of 98.5\\n- **AML Screening**: Cleared with a score of 96.8\\n- **Regulatory Compliance**: Minimal risk with a score of 97.2\\n- **Internal Policy**: Compliant with a score of 95.5\\n\\nOverall, the compliance assessment reflects a strong adherence to regulatory and internal policies, with no identified risks or gaps.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2138, \"completion_tokens\": 284, \"total_tokens\": 2422, \"estimated_cost\": {\"amount\": 0.000491, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
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"task_id": "compliance_consolidation",
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},
"consolidate_document_verification": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_verification_success_rate\": 100.0,\n \"consistency_across_documents\": {\n \"name\": {\n \"documented_name\": \"JOHN DOE\",\n \"application_name\": \"John Doe\",\n \"match\": true\n },\n \"address\": {\n \"documented_address\": \"123 Main St, City, State 12345\",\n \"application_address\": \"123 Main St, City, State 12345\",\n \"match\": true\n },\n \"pan_number\": \"ABCDE1234F\",\n \"aadhaar_number\": \"1234-5678-9012\",\n \"passport_number\": \"A1234567\"\n },\n \"risk_factors_identified\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Proceed with caution\",\n \"justification\": \"While all documents have been verified successfully and show consistency, the low requested loan amount for a home purchase raises a red flag that should be addressed before final approval.\"\n }\n}\n```",
"execution_details": {
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"agent_type": "assistant",
"input_length": 884,
"model": "gpt-4o-mini",
"output_length": 1121,
"provider": "openai",
"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 100.0,\n \"consistency_across_documents\": {\n \"name\": {\n \"documented_name\": \"JOHN DOE\",\n \"application_name\": \"John Doe\",\n \"match\": true\n },\n \"address\": {\n \"documented_address\": \"123 Main St, City, State 12345\",\n \"application_address\": \"123 Main St, City, State 12345\",\n \"match\": true\n },\n \"pan_number\": \"ABCDE1234F\",\n \"aadhaar_number\": \"1234-5678-9012\",\n \"passport_number\": \"A1234567\"\n },\n \"risk_factors_identified\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Proceed with caution\",\n \"justification\": \"While all documents have been verified successfully and show consistency, the low requested loan amount for a home purchase raises a red flag that should be addressed before final approval.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100.0,\\n \\\"consistency_across_documents\\\": {\\n \\\"name\\\": {\\n \\\"documented_name\\\": \\\"JOHN DOE\\\",\\n \\\"application_name\\\": \\\"John Doe\\\",\\n \\\"match\\\": true\\n },\\n \\\"address\\\": {\\n \\\"documented_address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"application_address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"match\\\": true\\n },\\n \\\"pan_number\\\": \\\"ABCDE1234F\\\",\\n \\\"aadhaar_number\\\": \\\"1234-5678-9012\\\",\\n \\\"passport_number\\\": \\\"A1234567\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"requested_amount\\\": {\\n \\\"amount\\\": 10000,\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"concern\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\\\"\\n }\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with caution\\\",\\n \\\"justification\\\": \\\"While all documents have been verified successfully and show consistency, the low requested loan amount for a home purchase raises a red flag that should be addressed before final approval.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 573, \"completion_tokens\": 287, \"total_tokens\": 860, \"estimated_cost\": {\"amount\": 0.000258, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"overall_verification_success_rate\": 100.0,\n \"consistency_across_documents\": {\n \"name\": {\n \"documented_name\": \"JOHN DOE\",\n \"application_name\": \"John Doe\",\n \"match\": true\n },\n \"address\": {\n \"documented_address\": \"123 Main St, City, State 12345\",\n \"application_address\": \"123 Main St, City, State 12345\",\n \"match\": true\n },\n \"pan_number\": \"ABCDE1234F\",\n \"aadhaar_number\": \"1234-5678-9012\",\n \"passport_number\": \"A1234567\"\n },\n \"risk_factors_identified\": {\n \"requested_amount\": {\n \"amount\": 10000,\n \"loan_purpose\": \"home_purchase\",\n \"concern\": \"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\"\n }\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Proceed with caution\",\n \"justification\": \"While all documents have been verified successfully and show consistency, the low requested loan amount for a home purchase raises a red flag that should be addressed before final approval.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100.0,\\n \\\"consistency_across_documents\\\": {\\n \\\"name\\\": {\\n \\\"documented_name\\\": \\\"JOHN DOE\\\",\\n \\\"application_name\\\": \\\"John Doe\\\",\\n \\\"match\\\": true\\n },\\n \\\"address\\\": {\\n \\\"documented_address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"application_address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"match\\\": true\\n },\\n \\\"pan_number\\\": \\\"ABCDE1234F\\\",\\n \\\"aadhaar_number\\\": \\\"1234-5678-9012\\\",\\n \\\"passport_number\\\": \\\"A1234567\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"requested_amount\\\": {\\n \\\"amount\\\": 10000,\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"concern\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase, which may indicate a lack of understanding of the costs involved or potential misrepresentation of the loan purpose.\\\"\\n }\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with caution\\\",\\n \\\"justification\\\": \\\"While all documents have been verified successfully and show consistency, the low requested loan amount for a home purchase raises a red flag that should be addressed before final approval.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 573, \"completion_tokens\": 287, \"total_tokens\": 860, \"estimated_cost\": {\"amount\": 0.000258, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"evaluate_default_risk": {
"agent_type": "assistant",
"ai_response": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Recent Inquiries**: 2\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a low risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is considered good).\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The minor late payments (30, 60, and 90 days) indicate occasional issues but are not significant enough to raise major concerns.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization ratio is healthy, suggesting that the individual is not overly reliant on credit and is managing their credit responsibly.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: $7,700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: $125,000\n- **Repayment Track Record**: Excellent\n\n**Analysis**: The loan burden ratio of 28% is well within acceptable limits (generally below 40% is considered good). The individual has a manageable level of debt relative to their income, which indicates a good capacity to service existing debts.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: The individual demonstrates strong financial discipline with a high percentage of on-time payments and no defaults.\n\n### Risk Score Calculation\nConsidering all the factors analyzed, we can assign a risk score based on the following criteria:\n- Excellent Credit Score: 10 points\n- Good Payment History: 10 points\n- Low Credit Utilization: 10 points\n- Strong Repayment Patterns: 10 points\n- Manageable Loan Burden: 10 points\n\nGiven the overall positive indicators and minor concerns (such as occasional late payments), we can assign a risk score of **15 out of 100** (where 100 is the highest risk).\n\n### Recommendations\n1. **Proceed with Loan Approval**: Given the strong credit profile, the individual is a low-risk candidate for loan approval.\n2. **Monitor Financial Behavior**: Continue to monitor the repayment patterns, especially the instances of late payments, to ensure they do not escalate.\n3. **Maintain Low Credit Utilization**: Encourage the individual to keep credit utilization below 30% to further enhance their credit score.\n4. **Consider Financial Education**: If the individual is planning to take on more significant loans in the future, consider providing financial education regarding managing larger debts and understanding loan costs.\n\nOverall, the individual presents a strong financial profile with a low risk of default.",
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"system_message": "You are a credit risk assessment specialist. Analyze the provided credit data and calculate default risk.\n\nConsider:\n1. Credit score and history\n2. Repayment patterns\n3. Credit utilization\n4. Existing loan burden\n5. Overall risk profile\n\nProvide a risk score (1-100, where 100 is highest risk) and detailed risk analysis.\n"
},
"input_format": "json",
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Recent Inquiries**: 2\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a low risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is considered good).\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The minor late payments (30, 60, and 90 days) indicate occasional issues but are not significant enough to raise major concerns.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization ratio is healthy, suggesting that the individual is not overly reliant on credit and is managing their credit responsibly.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: $7,700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: $125,000\n- **Repayment Track Record**: Excellent\n\n**Analysis**: The loan burden ratio of 28% is well within acceptable limits (generally below 40% is considered good). The individual has a manageable level of debt relative to their income, which indicates a good capacity to service existing debts.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: The individual demonstrates strong financial discipline with a high percentage of on-time payments and no defaults.\n\n### Risk Score Calculation\nConsidering all the factors analyzed, we can assign a risk score based on the following criteria:\n- Excellent Credit Score: 10 points\n- Good Payment History: 10 points\n- Low Credit Utilization: 10 points\n- Strong Repayment Patterns: 10 points\n- Manageable Loan Burden: 10 points\n\nGiven the overall positive indicators and minor concerns (such as occasional late payments), we can assign a risk score of **15 out of 100** (where 100 is the highest risk).\n\n### Recommendations\n1. **Proceed with Loan Approval**: Given the strong credit profile, the individual is a low-risk candidate for loan approval.\n2. **Monitor Financial Behavior**: Continue to monitor the repayment patterns, especially the instances of late payments, to ensure they do not escalate.\n3. **Maintain Low Credit Utilization**: Encourage the individual to keep credit utilization below 30% to further enhance their credit score.\n4. **Consider Financial Education**: If the individual is planning to take on more significant loans in the future, consider providing financial education regarding managing larger debts and understanding loan costs.\n\nOverall, the individual presents a strong financial profile with a low risk of default.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Recent Inquiries**: 2\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a low risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is considered good).\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0%\\n- **30 Days Late**: 12.0%\\n- **60 Days Late**: 2.5%\\n- **90 Days Late**: 0.5%\\n- **Never Missed Payments**: 85.0%\\n\\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The minor late payments (30, 60, and 90 days) indicate occasional issues but are not significant enough to raise major concerns.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: The credit utilization ratio is healthy, suggesting that the individual is not overly reliant on credit and is managing their credit responsibly.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: $7,700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: $125,000\\n- **Repayment Track Record**: Excellent\\n\\n**Analysis**: The loan burden ratio of 28% is well within acceptable limits (generally below 40% is considered good). The individual has a manageable level of debt relative to their income, which indicates a good capacity to service existing debts.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The individual has a stable income and a good debt-to-income ratio.\\n- **Financial Discipline**: The individual demonstrates strong financial discipline with a high percentage of on-time payments and no defaults.\\n\\n### Risk Score Calculation\\nConsidering all the factors analyzed, we can assign a risk score based on the following criteria:\\n- Excellent Credit Score: 10 points\\n- Good Payment History: 10 points\\n- Low Credit Utilization: 10 points\\n- Strong Repayment Patterns: 10 points\\n- Manageable Loan Burden: 10 points\\n\\nGiven the overall positive indicators and minor concerns (such as occasional late payments), we can assign a risk score of **15 out of 100** (where 100 is the highest risk).\\n\\n### Recommendations\\n1. **Proceed with Loan Approval**: Given the strong credit profile, the individual is a low-risk candidate for loan approval.\\n2. **Monitor Financial Behavior**: Continue to monitor the repayment patterns, especially the instances of late payments, to ensure they do not escalate.\\n3. **Maintain Low Credit Utilization**: Encourage the individual to keep credit utilization below 30% to further enhance their credit score.\\n4. **Consider Financial Education**: If the individual is planning to take on more significant loans in the future, consider providing financial education regarding managing larger debts and understanding loan costs.\\n\\nOverall, the individual presents a strong financial profile with a low risk of default.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1404, \"completion_tokens\": 757, \"total_tokens\": 2161, \"estimated_cost\": {\"amount\": 0.000665, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"duration_seconds": 16.677874,
"end_time": "2025-07-15T13:49:34.961284",
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"model": "gpt-4o-mini",
"model_client_id": "risk_assessor",
"output": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Recent Inquiries**: 2\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a low risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is considered good).\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The minor late payments (30, 60, and 90 days) indicate occasional issues but are not significant enough to raise major concerns.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization ratio is healthy, suggesting that the individual is not overly reliant on credit and is managing their credit responsibly.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: $7,700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: $125,000\n- **Repayment Track Record**: Excellent\n\n**Analysis**: The loan burden ratio of 28% is well within acceptable limits (generally below 40% is considered good). The individual has a manageable level of debt relative to their income, which indicates a good capacity to service existing debts.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: The individual demonstrates strong financial discipline with a high percentage of on-time payments and no defaults.\n\n### Risk Score Calculation\nConsidering all the factors analyzed, we can assign a risk score based on the following criteria:\n- Excellent Credit Score: 10 points\n- Good Payment History: 10 points\n- Low Credit Utilization: 10 points\n- Strong Repayment Patterns: 10 points\n- Manageable Loan Burden: 10 points\n\nGiven the overall positive indicators and minor concerns (such as occasional late payments), we can assign a risk score of **15 out of 100** (where 100 is the highest risk).\n\n### Recommendations\n1. **Proceed with Loan Approval**: Given the strong credit profile, the individual is a low-risk candidate for loan approval.\n2. **Monitor Financial Behavior**: Continue to monitor the repayment patterns, especially the instances of late payments, to ensure they do not escalate.\n3. **Maintain Low Credit Utilization**: Encourage the individual to keep credit utilization below 30% to further enhance their credit score.\n4. **Consider Financial Education**: If the individual is planning to take on more significant loans in the future, consider providing financial education regarding managing larger debts and understanding loan costs.\n\nOverall, the individual presents a strong financial profile with a low risk of default.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Recent Inquiries**: 2\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a low risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is considered good).\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0%\\n- **30 Days Late**: 12.0%\\n- **60 Days Late**: 2.5%\\n- **90 Days Late**: 0.5%\\n- **Never Missed Payments**: 85.0%\\n\\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The minor late payments (30, 60, and 90 days) indicate occasional issues but are not significant enough to raise major concerns.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: The credit utilization ratio is healthy, suggesting that the individual is not overly reliant on credit and is managing their credit responsibly.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: $7,700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: $125,000\\n- **Repayment Track Record**: Excellent\\n\\n**Analysis**: The loan burden ratio of 28% is well within acceptable limits (generally below 40% is considered good). The individual has a manageable level of debt relative to their income, which indicates a good capacity to service existing debts.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The individual has a stable income and a good debt-to-income ratio.\\n- **Financial Discipline**: The individual demonstrates strong financial discipline with a high percentage of on-time payments and no defaults.\\n\\n### Risk Score Calculation\\nConsidering all the factors analyzed, we can assign a risk score based on the following criteria:\\n- Excellent Credit Score: 10 points\\n- Good Payment History: 10 points\\n- Low Credit Utilization: 10 points\\n- Strong Repayment Patterns: 10 points\\n- Manageable Loan Burden: 10 points\\n\\nGiven the overall positive indicators and minor concerns (such as occasional late payments), we can assign a risk score of **15 out of 100** (where 100 is the highest risk).\\n\\n### Recommendations\\n1. **Proceed with Loan Approval**: Given the strong credit profile, the individual is a low-risk candidate for loan approval.\\n2. **Monitor Financial Behavior**: Continue to monitor the repayment patterns, especially the instances of late payments, to ensure they do not escalate.\\n3. **Maintain Low Credit Utilization**: Encourage the individual to keep credit utilization below 30% to further enhance their credit score.\\n4. **Consider Financial Education**: If the individual is planning to take on more significant loans in the future, consider providing financial education regarding managing larger debts and understanding loan costs.\\n\\nOverall, the individual presents a strong financial profile with a low risk of default.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1404, \"completion_tokens\": 757, \"total_tokens\": 2161, \"estimated_cost\": {\"amount\": 0.000665, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"extract_application_info": {
"customer_info": {
"address": "123 Main St, City, State 12345",
"annual_income": 75000,
"customer_id": "CUST_12345",
"email": "john.doe@email.com",
"employment_status": "employed",
"full_name": "John Doe",
"loan_purpose": "home_purchase",
"phone": "+1-555-0123",
"requested_amount": 10000
},
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"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 10000}, \"missing_fields\": []}\n",
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"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 10000}, \"missing_fields\": []}\n",
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"final_underwriting_analysis": {
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"ai_response": "### Final Recommendation: CONDITIONAL APPROVAL\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: To be determined based on market rates and borrower profile.\n- **Loan Term**: 5 years\n- **Monthly EMI**: Approximately $200 (subject to final interest rate)\n- **Condition**: The borrower must provide clarification on the unusually low requested amount for a home purchase and demonstrate understanding of the associated costs.\n\n#### Risk Mitigation Measures:\n1. **Clarification Requirement**: The borrower must submit a detailed explanation of the intended use of the $10,000 loan in relation to the home purchase. This should include a breakdown of expected costs and how the loan fits into their overall financial plan.\n2. **Monitoring**: Regular monitoring of the borrower\u2019s financial behavior, particularly their repayment patterns and any changes in income or debt levels.\n3. **Financial Education**: Offer resources or workshops on home purchasing costs and financial management to ensure the borrower is well-informed.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall quality score of 75. However, the requested loan amount is significantly low for a home purchase, raising concerns about the borrower\u2019s understanding of the costs involved.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The consistency across documents supports the authenticity of the application.\n\n3. **Income Assessment**: The borrower has a stable income of $81,600 annually, with a strong debt-to-income ratio of 35.9%, which is below the acceptable limit of 40%. This indicates a good capacity to service existing debts.\n\n4. **Credit Profile**: The borrower has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and a manageable credit utilization rate of 35.5%. The repayment patterns indicate a low risk of default.\n\n5. **Compliance Status**: The borrower has passed all compliance checks with a low risk category, indicating adherence to regulatory requirements.\n\n6. **Overall Risk Profile**: While the borrower presents a strong financial profile, the low requested amount for a home purchase is a significant red flag that needs to be addressed. The conditional approval allows for further clarification while still recognizing the borrower\u2019s strong financial standing.\n\n#### Confidence Level: 85\nThe confidence level is moderately high due to the strong financial indicators, but the concern regarding the low loan amount necessitates further clarification before full approval.",
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"system_message": "You are a senior underwriting manager making final loan decisions.\n\nAnalyze all assessment results and provide:\n1. Final recommendation (APPROVE/CONDITIONAL/DECLINE)\n2. Loan terms and conditions\n3. Risk mitigation measures\n4. Reasoning for decision\n5. Confidence level (1-100)\n\nConsider all factors: income, credit, compliance, and overall risk profile.\n"
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"output": "### Final Recommendation: CONDITIONAL APPROVAL\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: To be determined based on market rates and borrower profile.\n- **Loan Term**: 5 years\n- **Monthly EMI**: Approximately $200 (subject to final interest rate)\n- **Condition**: The borrower must provide clarification on the unusually low requested amount for a home purchase and demonstrate understanding of the associated costs.\n\n#### Risk Mitigation Measures:\n1. **Clarification Requirement**: The borrower must submit a detailed explanation of the intended use of the $10,000 loan in relation to the home purchase. This should include a breakdown of expected costs and how the loan fits into their overall financial plan.\n2. **Monitoring**: Regular monitoring of the borrower\u2019s financial behavior, particularly their repayment patterns and any changes in income or debt levels.\n3. **Financial Education**: Offer resources or workshops on home purchasing costs and financial management to ensure the borrower is well-informed.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall quality score of 75. However, the requested loan amount is significantly low for a home purchase, raising concerns about the borrower\u2019s understanding of the costs involved.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The consistency across documents supports the authenticity of the application.\n\n3. **Income Assessment**: The borrower has a stable income of $81,600 annually, with a strong debt-to-income ratio of 35.9%, which is below the acceptable limit of 40%. This indicates a good capacity to service existing debts.\n\n4. **Credit Profile**: The borrower has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and a manageable credit utilization rate of 35.5%. The repayment patterns indicate a low risk of default.\n\n5. **Compliance Status**: The borrower has passed all compliance checks with a low risk category, indicating adherence to regulatory requirements.\n\n6. **Overall Risk Profile**: While the borrower presents a strong financial profile, the low requested amount for a home purchase is a significant red flag that needs to be addressed. The conditional approval allows for further clarification while still recognizing the borrower\u2019s strong financial standing.\n\n#### Confidence Level: 85\nThe confidence level is moderately high due to the strong financial indicators, but the concern regarding the low loan amount necessitates further clarification before full approval.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: CONDITIONAL APPROVAL\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: To be determined based on market rates and borrower profile.\\n- **Loan Term**: 5 years\\n- **Monthly EMI**: Approximately $200 (subject to final interest rate)\\n- **Condition**: The borrower must provide clarification on the unusually low requested amount for a home purchase and demonstrate understanding of the associated costs.\\n\\n#### Risk Mitigation Measures:\\n1. **Clarification Requirement**: The borrower must submit a detailed explanation of the intended use of the $10,000 loan in relation to the home purchase. This should include a breakdown of expected costs and how the loan fits into their overall financial plan.\\n2. **Monitoring**: Regular monitoring of the borrower\\u2019s financial behavior, particularly their repayment patterns and any changes in income or debt levels.\\n3. **Financial Education**: Offer resources or workshops on home purchasing costs and financial management to ensure the borrower is well-informed.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall quality score of 75. However, the requested loan amount is significantly low for a home purchase, raising concerns about the borrower\\u2019s understanding of the costs involved.\\n \\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. 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"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"overall_stability_score\": 90,\n \"comments\": \"The income is stable with a consistent salary and a recent increment, indicating positive employment conditions.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating a good capacity to service existing debts.\"\n },\n \"financial_discipline_evaluation\": {\n \"financial_discipline_score\": 85.5,\n \"account_balance_trend\": \"stable\",\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"comments\": \"The individual demonstrates strong financial discipline with no bounced transactions and a stable account balance.\"\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [],\n \"recommendations\": [\n \"Continue monitoring the debt-to-income ratio as income increases.\",\n \"Maintain the current level of financial discipline to ensure ongoing stability.\"\n ],\n \"comments\": \"No significant risk factors identified. The financial profile is strong.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"final_comments\": \"The individual presents a strong financial profile with stable income, good debt servicing capability, and high financial discipline. Overall, they are well-positioned for loan underwriting.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"overall_stability_score\\\": 90,\\n \\\"comments\\\": \\\"The income is stable with a consistent salary and a recent increment, indicating positive employment conditions.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating a good capacity to service existing debts.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"comments\\\": \\\"The individual demonstrates strong financial discipline with no bounced transactions and a stable account balance.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring the debt-to-income ratio as income increases.\\\",\\n \\\"Maintain the current level of financial discipline to ensure ongoing stability.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The financial profile is strong.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"final_comments\\\": \\\"The individual presents a strong financial profile with stable income, good debt servicing capability, and high financial discipline. Overall, they are well-positioned for loan underwriting.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1072, \"completion_tokens\": 382, \"total_tokens\": 1454, \"estimated_cost\": {\"amount\": 0.00039, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"route": "decline_path"
},
{
"condition": "${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700",
"name": "conditional_approval_path",
"result": false,
"route": "conditional_path"
},
{
"condition": "${calculate_credit_score.internal_credit_score} \u003e= 700",
"name": "standard_approval_path",
"result": false,
"route": "approval_path"
}
],
"duration_seconds": 0.003548,
"ended_at": "2025-07-15T13:49:43.014992",
"evaluation_details": {},
"execution_details": {
"actual_result": {
"output": "Route selected: manual_review_path\n__OUTPUTS__ {\"router_type\": \"condition\", \"selected_route\": \"manual_review_path\", \"route_reason\": \"no_conditions_matched\", \"evaluation_details\": {}, \"all_conditions_checked\": [{\"name\": \"high_risk_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50\", \"result\": false, \"route\": \"decline_path\"}, {\"name\": \"conditional_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700\", \"result\": false, \"route\": \"conditional_path\"}, {\"name\": \"standard_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 700\", \"result\": false, \"route\": \"approval_path\"}], \"duration_seconds\": 0.003548, \"started_at\": \"2025-07-15T13:49:43.011444\", \"ended_at\": \"2025-07-15T13:49:43.014992\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.191514,
"end_time": "2025-07-15T13:49:43.094283",
"message_sent": true,
"start_time": "2025-07-15T13:49:42.902769",
"timestamp": "2025-07-15T13:49:43.094283",
"worker_executed": true,
"workers_notified": true
},
"output": "Route selected: manual_review_path\n__OUTPUTS__ {\"router_type\": \"condition\", \"selected_route\": \"manual_review_path\", \"route_reason\": \"no_conditions_matched\", \"evaluation_details\": {}, \"all_conditions_checked\": [{\"name\": \"high_risk_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50\", \"result\": false, \"route\": \"decline_path\"}, {\"name\": \"conditional_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700\", \"result\": false, \"route\": \"conditional_path\"}, {\"name\": \"standard_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 700\", \"result\": false, \"route\": \"approval_path\"}], \"duration_seconds\": 0.003548, \"started_at\": \"2025-07-15T13:49:43.011444\", \"ended_at\": \"2025-07-15T13:49:43.014992\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-15T13:49:43.011444",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"validate_application_fields": {
"completion_percentage": 100.0,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.208503,
"end_time": "2025-07-15T13:48:54.988335",
"message_sent": true,
"start_time": "2025-07-15T13:48:54.779832",
"timestamp": "2025-07-15T13:48:54.988335",
"worker_executed": true,
"workers_notified": true
},
"missing_fields": [],
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "validate_application_fields",
"validation_passed": true
},
"verify_aadhaar": {
"aadhaar_masked": "1234-5678-9012",
"address_match": true,
"biometric_verified": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"1234-5678-9012\", \"is_valid\": true, \"address_match\": true, \"biometric_verified\": true, \"verification_score\": 98.2, \"last_updated\": \"2024-01-15\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.516545,
"end_time": "2025-07-15T13:49:02.089572",
"message_sent": true,
"start_time": "2025-07-15T13:49:01.573027",
"timestamp": "2025-07-15T13:49:02.089572",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"last_updated": "2024-01-15",
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"1234-5678-9012\", \"is_valid\": true, \"address_match\": true, \"biometric_verified\": true, \"verification_score\": 98.2, \"last_updated\": \"2024-01-15\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_aadhaar",
"verification_score": 98.2
},
"verify_address_proof": {
"address_confirmed": "123 Main St, City, State 12345",
"address_match": true,
"document_date": "2024-06-15",
"document_type": "utility_bill",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"document_type\": \"utility_bill\", \"is_valid\": true, \"address_match\": true, \"document_date\": \"2024-06-15\", \"verification_score\": 92.3, \"address_confirmed\": \"123 Main St, City, State 12345\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.514465,
"end_time": "2025-07-15T13:49:02.218167",
"message_sent": true,
"start_time": "2025-07-15T13:49:01.703702",
"timestamp": "2025-07-15T13:49:02.218167",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"output": "__OUTPUTS__ {\"document_type\": \"utility_bill\", \"is_valid\": true, \"address_match\": true, \"document_date\": \"2024-06-15\", \"verification_score\": 92.3, \"address_confirmed\": \"123 Main St, City, State 12345\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_address_proof",
"verification_score": 92.3
},
"verify_employment": {
"designation": "Senior Software Engineer",
"employer_rating": "A+",
"employment_confirmed": true,
"employment_type": "permanent",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.264308,
"end_time": "2025-07-15T13:49:08.793548",
"message_sent": true,
"start_time": "2025-07-15T13:49:08.529240",
"timestamp": "2025-07-15T13:49:08.793548",
"worker_executed": true,
"workers_notified": true
},
"hr_contact_verified": true,
"job_stability_score": 88.5,
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"probation_status": "confirmed",
"reference_check_passed": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_employment"
},
"verify_pan_card": {
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"pan_number\": \"ABCDE1234F\", \"is_valid\": true, \"name_match\": true, \"status\": \"active\", \"verification_score\": 95.5, \"verified_name\": \"JOHN DOE\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.451522,
"end_time": "2025-07-15T13:49:01.958609",
"message_sent": true,
"start_time": "2025-07-15T13:49:01.507087",
"timestamp": "2025-07-15T13:49:01.958609",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"name_match": true,
"output": "__OUTPUTS__ {\"pan_number\": \"ABCDE1234F\", \"is_valid\": true, \"name_match\": true, \"status\": \"active\", \"verification_score\": 95.5, \"verified_name\": \"JOHN DOE\"}\n",
"pan_number": "ABCDE1234F",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_pan_card",
"verification_score": 95.5,
"verified_name": "JOHN DOE"
},
"verify_passport": {
"document_provided": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"passport_number\": \"A1234567\", \"is_valid\": true, \"expiry_date\": \"2030-12-31\", \"issuing_authority\": \"Government of India\", \"verification_score\": 96.8, \"document_provided\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.279644,
"end_time": "2025-07-15T13:49:01.924238",
"message_sent": true,
"start_time": "2025-07-15T13:49:01.644594",
"timestamp": "2025-07-15T13:49:01.924238",
"worker_executed": true,
"workers_notified": true
},
"expiry_date": "2030-12-31",
"is_valid": true,
"issuing_authority": "Government of India",
"output": "__OUTPUTS__ {\"passport_number\": \"A1234567\", \"is_valid\": true, \"expiry_date\": \"2030-12-31\", \"issuing_authority\": \"Government of India\", \"verification_score\": 96.8, \"document_provided\": true}\n",
"passport_number": "A1234567",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_passport",
"verification_score": 96.8
},
"verify_tax_returns": {
"declared_income": 98000,
"discrepancies_found": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"declared_income\": 98000, \"tax_paid\": 12000, \"returns_filed_consistently\": true, \"income_growth_trend\": \"positive\", \"discrepancies_found\": false, \"verification_with_govt\": true, \"tax_compliance_score\": 92.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.225507,
"end_time": "2025-07-15T13:49:08.470334",
"message_sent": true,
"start_time": "2025-07-15T13:49:08.244827",
"timestamp": "2025-07-15T13:49:08.470334",
"worker_executed": true,
"workers_notified": true
},
"income_growth_trend": "positive",
"output": "__OUTPUTS__ {\"declared_income\": 98000, \"tax_paid\": 12000, \"returns_filed_consistently\": true, \"income_growth_trend\": \"positive\", \"discrepancies_found\": false, \"verification_with_govt\": true, \"tax_compliance_score\": 92.0}\n",
"return_code": 0,
"returns_filed_consistently": true,
"status": "completed",
"stderr": "",
"task_id": "verify_tax_returns",
"tax_compliance_score": 92.0,
"tax_paid": 12000,
"verification_with_govt": true
}
},
"underwriting_decision_router": {
"all_conditions_checked": [
{
"condition": "${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50",
"name": "high_risk_path",
"result": false,
"route": "decline_path"
},
{
"condition": "${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700",
"name": "conditional_approval_path",
"result": false,
"route": "conditional_path"
},
{
"condition": "${calculate_credit_score.internal_credit_score} \u003e= 700",
"name": "standard_approval_path",
"result": false,
"route": "approval_path"
}
],
"duration_seconds": 0.003548,
"ended_at": "2025-07-15T13:49:43.014992",
"evaluation_details": {},
"execution_details": {
"actual_result": {
"output": "Route selected: manual_review_path\n__OUTPUTS__ {\"router_type\": \"condition\", \"selected_route\": \"manual_review_path\", \"route_reason\": \"no_conditions_matched\", \"evaluation_details\": {}, \"all_conditions_checked\": [{\"name\": \"high_risk_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50\", \"result\": false, \"route\": \"decline_path\"}, {\"name\": \"conditional_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700\", \"result\": false, \"route\": \"conditional_path\"}, {\"name\": \"standard_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 700\", \"result\": false, \"route\": \"approval_path\"}], \"duration_seconds\": 0.003548, \"started_at\": \"2025-07-15T13:49:43.011444\", \"ended_at\": \"2025-07-15T13:49:43.014992\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.191514,
"end_time": "2025-07-15T13:49:43.094283",
"message_sent": true,
"start_time": "2025-07-15T13:49:42.902769",
"timestamp": "2025-07-15T13:49:43.094283",
"worker_executed": true,
"workers_notified": true
},
"output": "Route selected: manual_review_path\n__OUTPUTS__ {\"router_type\": \"condition\", \"selected_route\": \"manual_review_path\", \"route_reason\": \"no_conditions_matched\", \"evaluation_details\": {}, \"all_conditions_checked\": [{\"name\": \"high_risk_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50\", \"result\": false, \"route\": \"decline_path\"}, {\"name\": \"conditional_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700\", \"result\": false, \"route\": \"conditional_path\"}, {\"name\": \"standard_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 700\", \"result\": false, \"route\": \"approval_path\"}], \"duration_seconds\": 0.003548, \"started_at\": \"2025-07-15T13:49:43.011444\", \"ended_at\": \"2025-07-15T13:49:43.014992\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-15T13:49:43.011444",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"validate_application_fields": {
"completion_percentage": 100.0,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.208503,
"end_time": "2025-07-15T13:48:54.988335",
"message_sent": true,
"start_time": "2025-07-15T13:48:54.779832",
"timestamp": "2025-07-15T13:48:54.988335",
"worker_executed": true,
"workers_notified": true
},
"missing_fields": [],
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "validate_application_fields",
"validation_passed": true
},
"verify_aadhaar": {
"aadhaar_masked": "1234-5678-9012",
"address_match": true,
"biometric_verified": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"1234-5678-9012\", \"is_valid\": true, \"address_match\": true, \"biometric_verified\": true, \"verification_score\": 98.2, \"last_updated\": \"2024-01-15\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.516545,
"end_time": "2025-07-15T13:49:02.089572",
"message_sent": true,
"start_time": "2025-07-15T13:49:01.573027",
"timestamp": "2025-07-15T13:49:02.089572",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"last_updated": "2024-01-15",
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"1234-5678-9012\", \"is_valid\": true, \"address_match\": true, \"biometric_verified\": true, \"verification_score\": 98.2, \"last_updated\": \"2024-01-15\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_aadhaar",
"verification_score": 98.2
},
"verify_address_proof": {
"address_confirmed": "123 Main St, City, State 12345",
"address_match": true,
"document_date": "2024-06-15",
"document_type": "utility_bill",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"document_type\": \"utility_bill\", \"is_valid\": true, \"address_match\": true, \"document_date\": \"2024-06-15\", \"verification_score\": 92.3, \"address_confirmed\": \"123 Main St, City, State 12345\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.514465,
"end_time": "2025-07-15T13:49:02.218167",
"message_sent": true,
"start_time": "2025-07-15T13:49:01.703702",
"timestamp": "2025-07-15T13:49:02.218167",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"output": "__OUTPUTS__ {\"document_type\": \"utility_bill\", \"is_valid\": true, \"address_match\": true, \"document_date\": \"2024-06-15\", \"verification_score\": 92.3, \"address_confirmed\": \"123 Main St, City, State 12345\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_address_proof",
"verification_score": 92.3
},
"verify_employment": {
"designation": "Senior Software Engineer",
"employer_rating": "A+",
"employment_confirmed": true,
"employment_type": "permanent",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.264308,
"end_time": "2025-07-15T13:49:08.793548",
"message_sent": true,
"start_time": "2025-07-15T13:49:08.529240",
"timestamp": "2025-07-15T13:49:08.793548",
"worker_executed": true,
"workers_notified": true
},
"hr_contact_verified": true,
"job_stability_score": 88.5,
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"probation_status": "confirmed",
"reference_check_passed": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_employment"
},
"verify_pan_card": {
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"pan_number\": \"ABCDE1234F\", \"is_valid\": true, \"name_match\": true, \"status\": \"active\", \"verification_score\": 95.5, \"verified_name\": \"JOHN DOE\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.451522,
"end_time": "2025-07-15T13:49:01.958609",
"message_sent": true,
"start_time": "2025-07-15T13:49:01.507087",
"timestamp": "2025-07-15T13:49:01.958609",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"name_match": true,
"output": "__OUTPUTS__ {\"pan_number\": \"ABCDE1234F\", \"is_valid\": true, \"name_match\": true, \"status\": \"active\", \"verification_score\": 95.5, \"verified_name\": \"JOHN DOE\"}\n",
"pan_number": "ABCDE1234F",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_pan_card",
"verification_score": 95.5,
"verified_name": "JOHN DOE"
},
"verify_passport": {
"document_provided": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"passport_number\": \"A1234567\", \"is_valid\": true, \"expiry_date\": \"2030-12-31\", \"issuing_authority\": \"Government of India\", \"verification_score\": 96.8, \"document_provided\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.279644,
"end_time": "2025-07-15T13:49:01.924238",
"message_sent": true,
"start_time": "2025-07-15T13:49:01.644594",
"timestamp": "2025-07-15T13:49:01.924238",
"worker_executed": true,
"workers_notified": true
},
"expiry_date": "2030-12-31",
"is_valid": true,
"issuing_authority": "Government of India",
"output": "__OUTPUTS__ {\"passport_number\": \"A1234567\", \"is_valid\": true, \"expiry_date\": \"2030-12-31\", \"issuing_authority\": \"Government of India\", \"verification_score\": 96.8, \"document_provided\": true}\n",
"passport_number": "A1234567",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_passport",
"verification_score": 96.8
},
"verify_tax_returns": {
"declared_income": 98000,
"discrepancies_found": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"declared_income\": 98000, \"tax_paid\": 12000, \"returns_filed_consistently\": true, \"income_growth_trend\": \"positive\", \"discrepancies_found\": false, \"verification_with_govt\": true, \"tax_compliance_score\": 92.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.225507,
"end_time": "2025-07-15T13:49:08.470334",
"message_sent": true,
"start_time": "2025-07-15T13:49:08.244827",
"timestamp": "2025-07-15T13:49:08.470334",
"worker_executed": true,
"workers_notified": true
},
"income_growth_trend": "positive",
"output": "__OUTPUTS__ {\"declared_income\": 98000, \"tax_paid\": 12000, \"returns_filed_consistently\": true, \"income_growth_trend\": \"positive\", \"discrepancies_found\": false, \"verification_with_govt\": true, \"tax_compliance_score\": 92.0}\n",
"return_code": 0,
"returns_filed_consistently": true,
"status": "completed",
"stderr": "",
"task_id": "verify_tax_returns",
"tax_compliance_score": 92.0,
"tax_paid": 12000,
"verification_with_govt": true
}
}