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": 0.213511,
"end_time": "2025-07-16T07:25:13.519609",
"message_sent": true,
"start_time": "2025-07-16T07:25:13.306098",
"timestamp": "2025-07-16T07:25:13.519609",
"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": 0.485131,
"end_time": "2025-07-16T07:24:48.792773",
"message_sent": true,
"start_time": "2025-07-16T07:24:48.307642",
"timestamp": "2025-07-16T07:24:48.792773",
"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": 0.204589,
"end_time": "2025-07-16T07:24:57.043800",
"message_sent": true,
"start_time": "2025-07-16T07:24:56.839211",
"timestamp": "2025-07-16T07:24:57.043800",
"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": 0.416079,
"end_time": "2025-07-16T07:24:48.649009",
"message_sent": true,
"start_time": "2025-07-16T07:24:48.232930",
"timestamp": "2025-07-16T07:24:48.649009",
"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 \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with no missing information.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The annual income aligns with the loan purpose and requested amount.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount is reasonable compared to the annual income.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared, with complete and accurate information. The only minor consideration is the requested loan amount being relatively low compared to the annual income, which may indicate a potential underestimation of needs. However, this does not significantly detract from the overall quality.\"\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 468,
"model": "gpt-4o-mini",
"output_length": 966,
"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 \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with no missing information.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The annual income aligns with the loan purpose and requested amount.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount is reasonable compared to the annual income.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared, with complete and accurate information. The only minor consideration is the requested loan amount being relatively low compared to the annual income, which may indicate a potential underestimation of needs. However, this does not significantly detract from the overall quality.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"complete\\\": true,\\n \\\"accuracy\\\": true,\\n \\\"comments\\\": \\\"All required fields are filled out correctly with no missing information.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistent\\\": true,\\n \\\"comments\\\": \\\"The information provided is consistent across all fields. The annual income aligns with the loan purpose and requested amount.\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"comments\\\": \\\"No red flags or inconsistencies detected. The requested loan amount is reasonable compared to the annual income.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is well-prepared, with complete and accurate information. The only minor consideration is the requested loan amount being relatively low compared to the annual income, which may indicate a potential underestimation of needs. However, this does not significantly detract from the overall quality.\\\"\\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\": 201, \"total_tokens\": 400, \"estimated_cost\": {\"amount\": 0.00015, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": "",
"token_usage": {
"completion_tokens": 201,
"estimated_cost": {
"amount": 0.00015,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 199,
"provider": "openai",
"total_tokens": 400
}
},
"duration_seconds": 4.350864,
"end_time": "2025-07-16T07:24:43.059285",
"message_sent": true,
"start_time": "2025-07-16T07:24:38.708421",
"timestamp": "2025-07-16T07:24:43.059285",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with no missing information.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The annual income aligns with the loan purpose and requested amount.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount is reasonable compared to the annual income.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared, with complete and accurate information. The only minor consideration is the requested loan amount being relatively low compared to the annual income, which may indicate a potential underestimation of needs. However, this does not significantly detract from the overall quality.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"complete\\\": true,\\n \\\"accuracy\\\": true,\\n \\\"comments\\\": \\\"All required fields are filled out correctly with no missing information.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistent\\\": true,\\n \\\"comments\\\": \\\"The information provided is consistent across all fields. The annual income aligns with the loan purpose and requested amount.\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"comments\\\": \\\"No red flags or inconsistencies detected. The requested loan amount is reasonable compared to the annual income.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is well-prepared, with complete and accurate information. The only minor consideration is the requested loan amount being relatively low compared to the annual income, which may indicate a potential underestimation of needs. However, this does not significantly detract from the overall quality.\\\"\\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\": 201, \"total_tokens\": 400, \"estimated_cost\": {\"amount\": 0.00015, \"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": 201,
"estimated_cost": {
"amount": 0.00015,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 199,
"provider": "openai",
"total_tokens": 400
}
},
"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": 0.188694,
"end_time": "2025-07-16T07:24:57.262407",
"message_sent": true,
"start_time": "2025-07-16T07:24:57.073713",
"timestamp": "2025-07-16T07:24:57.262407",
"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": 0.244289,
"end_time": "2025-07-16T07:25:13.019330",
"message_sent": true,
"start_time": "2025-07-16T07:25:12.775041",
"timestamp": "2025-07-16T07:25:13.019330",
"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": 0.224363,
"end_time": "2025-07-16T07:24:49.133712",
"message_sent": true,
"start_time": "2025-07-16T07:24:48.909349",
"timestamp": "2025-07-16T07:24:49.133712",
"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": 0.212762,
"end_time": "2025-07-16T07:24:56.796472",
"message_sent": true,
"start_time": "2025-07-16T07:24:56.583710",
"timestamp": "2025-07-16T07:24:56.796472",
"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": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations.\",\n \"Maintain up-to-date documentation and ensure regular reviews of compliance policies.\",\n \"Conduct periodic training for staff on compliance requirements and updates.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The assessment indicates that the application is compliant with all relevant regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low across KYC, AML, regulatory, and internal policy checks, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks, suggesting that all requirements are met satisfactorily.\n4. **Recommendations for Proceeding**: Suggestions include ongoing monitoring and training to ensure continued compliance.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 1347,
"model": "gpt-4o-mini",
"output_length": 1481,
"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": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations.\",\n \"Maintain up-to-date documentation and ensure regular reviews of compliance policies.\",\n \"Conduct periodic training for staff on compliance requirements and updates.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The assessment indicates that the application is compliant with all relevant regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low across KYC, AML, regulatory, and internal policy checks, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks, suggesting that all requirements are met satisfactorily.\n4. **Recommendations for Proceeding**: Suggestions include ongoing monitoring and training to ensure continued compliance.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk\\\": \\\"Low\\\",\\n \\\"aml_risk\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"Low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue to monitor compliance with KYC and AML regulations.\\\",\\n \\\"Maintain up-to-date documentation and ensure regular reviews of compliance policies.\\\",\\n \\\"Conduct periodic training for staff on compliance requirements and updates.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The assessment indicates that the application is compliant with all relevant regulations and internal policies.\\n2. **Risk Assessment**: The overall risk is categorized as low across KYC, AML, regulatory, and internal policy checks, indicating a strong compliance posture.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks, suggesting that all requirements are met satisfactorily.\\n4. **Recommendations for Proceeding**: Suggestions include ongoing monitoring and training to ensure continued compliance.\\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2119, \"completion_tokens\": 326, \"total_tokens\": 2445, \"estimated_cost\": {\"amount\": 0.000513, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations.\",\n \"Maintain up-to-date documentation and ensure regular reviews of compliance policies.\",\n \"Conduct periodic training for staff on compliance requirements and updates.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The assessment indicates that the application is compliant with all relevant regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low across KYC, AML, regulatory, and internal policy checks, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks, suggesting that all requirements are met satisfactorily.\n4. **Recommendations for Proceeding**: Suggestions include ongoing monitoring and training to ensure continued compliance.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk\\\": \\\"Low\\\",\\n \\\"aml_risk\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"Low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue to monitor compliance with KYC and AML regulations.\\\",\\n \\\"Maintain up-to-date documentation and ensure regular reviews of compliance policies.\\\",\\n \\\"Conduct periodic training for staff on compliance requirements and updates.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The assessment indicates that the application is compliant with all relevant regulations and internal policies.\\n2. **Risk Assessment**: The overall risk is categorized as low across KYC, AML, regulatory, and internal policy checks, indicating a strong compliance posture.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks, suggesting that all requirements are met satisfactorily.\\n4. **Recommendations for Proceeding**: Suggestions include ongoing monitoring and training to ensure continued compliance.\\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2119, \"completion_tokens\": 326, \"total_tokens\": 2445, \"estimated_cost\": {\"amount\": 0.000513, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "```json\n{\n \"overall_verification_success_rate\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were found or verified, leading to a lack of consistency in the information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"comments\": \"The absence of all key identification and address verification documents poses a significant risk in validating the identity and residency of the applicant.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Request resubmission of all required documents.\",\n \"comments\": \"Due to the complete lack of valid documents, it is essential to obtain the necessary identification and address proof to proceed with the application.\"\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"
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"output": "```json\n{\n \"overall_verification_success_rate\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were found or verified, leading to a lack of consistency in the information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"comments\": \"The absence of all key identification and address verification documents poses a significant risk in validating the identity and residency of the applicant.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Request resubmission of all required documents.\",\n \"comments\": \"Due to the complete lack of valid documents, it is essential to obtain the necessary identification and address proof to proceed with the application.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0,\\n \\\"consistency_across_documents\\\": {\\n \\\"consistent\\\": false,\\n \\\"comments\\\": \\\"No documents were found or verified, leading to a lack of consistency in the information.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"missing_documents\\\": [\\n \\\"PAN card\\\",\\n \\\"Aadhaar card\\\",\\n \\\"Passport\\\",\\n \\\"Address proof\\\"\\n ],\\n \\\"comments\\\": \\\"The absence of all key identification and address verification documents poses a significant risk in validating the identity and residency of the applicant.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Request resubmission of all required documents.\\\",\\n \\\"comments\\\": \\\"Due to the complete lack of valid documents, it is essential to obtain the necessary identification and address proof to proceed with the application.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 720, \"completion_tokens\": 182, \"total_tokens\": 902, \"estimated_cost\": {\"amount\": 0.000217, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"overall_verification_success_rate\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were found or verified, leading to a lack of consistency in the information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"comments\": \"The absence of all key identification and address verification documents poses a significant risk in validating the identity and residency of the applicant.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Request resubmission of all required documents.\",\n \"comments\": \"Due to the complete lack of valid documents, it is essential to obtain the necessary identification and address proof to proceed with the application.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0,\\n \\\"consistency_across_documents\\\": {\\n \\\"consistent\\\": false,\\n \\\"comments\\\": \\\"No documents were found or verified, leading to a lack of consistency in the information.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"missing_documents\\\": [\\n \\\"PAN card\\\",\\n \\\"Aadhaar card\\\",\\n \\\"Passport\\\",\\n \\\"Address proof\\\"\\n ],\\n \\\"comments\\\": \\\"The absence of all key identification and address verification documents poses a significant risk in validating the identity and residency of the applicant.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Request resubmission of all required documents.\\\",\\n \\\"comments\\\": \\\"Due to the complete lack of valid documents, it is essential to obtain the necessary identification and address proof to proceed with the application.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 720, \"completion_tokens\": 182, \"total_tokens\": 902, \"estimated_cost\": {\"amount\": 0.000217, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "Based on the provided credit data, we can analyze the default risk using the following criteria:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within the acceptable range (ideally below 30% for optimal risk), suggesting that the applicant is managing their credit responsibly.\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 days and beyond) are concerning but not alarming, given the overall positive repayment history.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: While the credit utilization is slightly above the ideal threshold, it is still manageable. This indicates that the applicant is using credit but not excessively, which is a positive sign.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28% of monthly income)\n- **Outstanding Loans**: 125,000\n- **Remaining Tenure**: Personal Loan (18 months), Auto Loan (24 months)\n\n**Analysis**: The loan burden ratio of 28% is within acceptable limits (generally below 40% is considered manageable). The applicant has a reasonable amount of outstanding loans relative to their income, which suggests they can handle their current debt load.\n\n### 5. Overall Risk Profile\n- **Financial Discipline Score**: 85.5 (from previous data)\n- **Income Stability**: Stable income with a consistent employment history.\n- **Debt-to-Income Ratio**: 0.359 (acceptable)\n\n**Analysis**: The overall financial profile indicates strong financial discipline and stability. The applicant has a good mix of credit types and a solid repayment record, which reduces the risk of default.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the analysis:\n- **Credit Score**: 20 (Good)\n- **Payment History**: 10 (Excellent)\n- **Credit Utilization**: 15 (Moderate)\n- **Repayment Patterns**: 10 (Strong)\n- **Loan Burden**: 10 (Acceptable)\n- **Overall Financial Discipline**: 10 (Strong)\n\n**Total Risk Score**: 75/100\n\n### Recommendations\n1. **Maintain Low Credit Utilization**: Aim to reduce credit utilization below 30% to further improve the credit profile.\n2. **Monitor Payment Patterns**: Continue to ensure timely payments to maintain the excellent repayment history.\n3. **Consider Emergency Fund**: Building an emergency fund to cover 3-6 months of expenses can provide additional financial security.\n4. **Limit New Credit Inquiries**: Avoid taking on new credit unless necessary, as this can impact the credit score and increase risk.\n5. **Regularly Review Credit Report**: Keep an eye on the credit report for any discrepancies or areas for improvement.\n\n### Conclusion\nThe overall risk of default is moderate, with a risk score of 75 indicating that while there are some areas for improvement, the applicant is generally in a strong financial position. By following the recommendations, the applicant can further mitigate risk and enhance their creditworthiness.",
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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 can analyze the default risk using the following criteria:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within the acceptable range (ideally below 30% for optimal risk), suggesting that the applicant is managing their credit responsibly.\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 days and beyond) are concerning but not alarming, given the overall positive repayment history.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: While the credit utilization is slightly above the ideal threshold, it is still manageable. This indicates that the applicant is using credit but not excessively, which is a positive sign.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28% of monthly income)\n- **Outstanding Loans**: 125,000\n- **Remaining Tenure**: Personal Loan (18 months), Auto Loan (24 months)\n\n**Analysis**: The loan burden ratio of 28% is within acceptable limits (generally below 40% is considered manageable). The applicant has a reasonable amount of outstanding loans relative to their income, which suggests they can handle their current debt load.\n\n### 5. Overall Risk Profile\n- **Financial Discipline Score**: 85.5 (from previous data)\n- **Income Stability**: Stable income with a consistent employment history.\n- **Debt-to-Income Ratio**: 0.359 (acceptable)\n\n**Analysis**: The overall financial profile indicates strong financial discipline and stability. The applicant has a good mix of credit types and a solid repayment record, which reduces the risk of default.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the analysis:\n- **Credit Score**: 20 (Good)\n- **Payment History**: 10 (Excellent)\n- **Credit Utilization**: 15 (Moderate)\n- **Repayment Patterns**: 10 (Strong)\n- **Loan Burden**: 10 (Acceptable)\n- **Overall Financial Discipline**: 10 (Strong)\n\n**Total Risk Score**: 75/100\n\n### Recommendations\n1. **Maintain Low Credit Utilization**: Aim to reduce credit utilization below 30% to further improve the credit profile.\n2. **Monitor Payment Patterns**: Continue to ensure timely payments to maintain the excellent repayment history.\n3. **Consider Emergency Fund**: Building an emergency fund to cover 3-6 months of expenses can provide additional financial security.\n4. **Limit New Credit Inquiries**: Avoid taking on new credit unless necessary, as this can impact the credit score and increase risk.\n5. **Regularly Review Credit Report**: Keep an eye on the credit report for any discrepancies or areas for improvement.\n\n### Conclusion\nThe overall risk of default is moderate, with a risk score of 75 indicating that while there are some areas for improvement, the applicant is generally in a strong financial position. By following the recommendations, the applicant can further mitigate risk and enhance their creditworthiness.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we can analyze the default risk using the following criteria:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\\n- **Recent Inquiries**: 2\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within the acceptable range (ideally below 30% for optimal risk), suggesting that the applicant is managing their credit responsibly.\\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 days and beyond) are concerning but not alarming, given the overall positive repayment history.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: While the credit utilization is slightly above the ideal threshold, it is still manageable. This indicates that the applicant is using credit but not excessively, which is a positive sign.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28% of monthly income)\\n- **Outstanding Loans**: 125,000\\n- **Remaining Tenure**: Personal Loan (18 months), Auto Loan (24 months)\\n\\n**Analysis**: The loan burden ratio of 28% is within acceptable limits (generally below 40% is considered manageable). The applicant has a reasonable amount of outstanding loans relative to their income, which suggests they can handle their current debt load.\\n\\n### 5. Overall Risk Profile\\n- **Financial Discipline Score**: 85.5 (from previous data)\\n- **Income Stability**: Stable income with a consistent employment history.\\n- **Debt-to-Income Ratio**: 0.359 (acceptable)\\n\\n**Analysis**: The overall financial profile indicates strong financial discipline and stability. The applicant has a good mix of credit types and a solid repayment record, which reduces the risk of default.\\n\\n### Risk Score Calculation\\nConsidering all the factors above, we can assign a risk score based on the analysis:\\n- **Credit Score**: 20 (Good)\\n- **Payment History**: 10 (Excellent)\\n- **Credit Utilization**: 15 (Moderate)\\n- **Repayment Patterns**: 10 (Strong)\\n- **Loan Burden**: 10 (Acceptable)\\n- **Overall Financial Discipline**: 10 (Strong)\\n\\n**Total Risk Score**: 75/100\\n\\n### Recommendations\\n1. **Maintain Low Credit Utilization**: Aim to reduce credit utilization below 30% to further improve the credit profile.\\n2. **Monitor Payment Patterns**: Continue to ensure timely payments to maintain the excellent repayment history.\\n3. **Consider Emergency Fund**: Building an emergency fund to cover 3-6 months of expenses can provide additional financial security.\\n4. **Limit New Credit Inquiries**: Avoid taking on new credit unless necessary, as this can impact the credit score and increase risk.\\n5. **Regularly Review Credit Report**: Keep an eye on the credit report for any discrepancies or areas for improvement.\\n\\n### Conclusion\\nThe overall risk of default is moderate, with a risk score of 75 indicating that while there are some areas for improvement, the applicant is generally in a strong financial position. 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"output": "Based on the provided credit data, we can analyze the default risk using the following criteria:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within the acceptable range (ideally below 30% for optimal risk), suggesting that the applicant is managing their credit responsibly.\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 days and beyond) are concerning but not alarming, given the overall positive repayment history.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: While the credit utilization is slightly above the ideal threshold, it is still manageable. This indicates that the applicant is using credit but not excessively, which is a positive sign.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28% of monthly income)\n- **Outstanding Loans**: 125,000\n- **Remaining Tenure**: Personal Loan (18 months), Auto Loan (24 months)\n\n**Analysis**: The loan burden ratio of 28% is within acceptable limits (generally below 40% is considered manageable). The applicant has a reasonable amount of outstanding loans relative to their income, which suggests they can handle their current debt load.\n\n### 5. Overall Risk Profile\n- **Financial Discipline Score**: 85.5 (from previous data)\n- **Income Stability**: Stable income with a consistent employment history.\n- **Debt-to-Income Ratio**: 0.359 (acceptable)\n\n**Analysis**: The overall financial profile indicates strong financial discipline and stability. The applicant has a good mix of credit types and a solid repayment record, which reduces the risk of default.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the analysis:\n- **Credit Score**: 20 (Good)\n- **Payment History**: 10 (Excellent)\n- **Credit Utilization**: 15 (Moderate)\n- **Repayment Patterns**: 10 (Strong)\n- **Loan Burden**: 10 (Acceptable)\n- **Overall Financial Discipline**: 10 (Strong)\n\n**Total Risk Score**: 75/100\n\n### Recommendations\n1. **Maintain Low Credit Utilization**: Aim to reduce credit utilization below 30% to further improve the credit profile.\n2. **Monitor Payment Patterns**: Continue to ensure timely payments to maintain the excellent repayment history.\n3. **Consider Emergency Fund**: Building an emergency fund to cover 3-6 months of expenses can provide additional financial security.\n4. **Limit New Credit Inquiries**: Avoid taking on new credit unless necessary, as this can impact the credit score and increase risk.\n5. **Regularly Review Credit Report**: Keep an eye on the credit report for any discrepancies or areas for improvement.\n\n### Conclusion\nThe overall risk of default is moderate, with a risk score of 75 indicating that while there are some areas for improvement, the applicant is generally in a strong financial position. By following the recommendations, the applicant can further mitigate risk and enhance their creditworthiness.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we can analyze the default risk using the following criteria:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\\n- **Recent Inquiries**: 2\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within the acceptable range (ideally below 30% for optimal risk), suggesting that the applicant is managing their credit responsibly.\\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 days and beyond) are concerning but not alarming, given the overall positive repayment history.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: While the credit utilization is slightly above the ideal threshold, it is still manageable. This indicates that the applicant is using credit but not excessively, which is a positive sign.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28% of monthly income)\\n- **Outstanding Loans**: 125,000\\n- **Remaining Tenure**: Personal Loan (18 months), Auto Loan (24 months)\\n\\n**Analysis**: The loan burden ratio of 28% is within acceptable limits (generally below 40% is considered manageable). The applicant has a reasonable amount of outstanding loans relative to their income, which suggests they can handle their current debt load.\\n\\n### 5. Overall Risk Profile\\n- **Financial Discipline Score**: 85.5 (from previous data)\\n- **Income Stability**: Stable income with a consistent employment history.\\n- **Debt-to-Income Ratio**: 0.359 (acceptable)\\n\\n**Analysis**: The overall financial profile indicates strong financial discipline and stability. The applicant has a good mix of credit types and a solid repayment record, which reduces the risk of default.\\n\\n### Risk Score Calculation\\nConsidering all the factors above, we can assign a risk score based on the analysis:\\n- **Credit Score**: 20 (Good)\\n- **Payment History**: 10 (Excellent)\\n- **Credit Utilization**: 15 (Moderate)\\n- **Repayment Patterns**: 10 (Strong)\\n- **Loan Burden**: 10 (Acceptable)\\n- **Overall Financial Discipline**: 10 (Strong)\\n\\n**Total Risk Score**: 75/100\\n\\n### Recommendations\\n1. **Maintain Low Credit Utilization**: Aim to reduce credit utilization below 30% to further improve the credit profile.\\n2. **Monitor Payment Patterns**: Continue to ensure timely payments to maintain the excellent repayment history.\\n3. **Consider Emergency Fund**: Building an emergency fund to cover 3-6 months of expenses can provide additional financial security.\\n4. **Limit New Credit Inquiries**: Avoid taking on new credit unless necessary, as this can impact the credit score and increase risk.\\n5. **Regularly Review Credit Report**: Keep an eye on the credit report for any discrepancies or areas for improvement.\\n\\n### Conclusion\\nThe overall risk of default is moderate, with a risk score of 75 indicating that while there are some areas for improvement, the applicant is generally in a strong financial position. By following the recommendations, the applicant can further mitigate risk and enhance their creditworthiness.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1293, \"completion_tokens\": 849, \"total_tokens\": 2142, \"estimated_cost\": {\"amount\": 0.000703, \"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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"ai_response": "### Final Recommendation: **CONDITIONAL APPROVAL**\n\n#### Loan Terms and Conditions:\n1. **Loan Amount**: As requested, subject to verification of documents.\n2. **Interest Rate**: Standard rate based on the applicant\u0027s credit profile.\n3. **Loan Tenure**: 5 years.\n4. **EMI**: To be calculated based on the final loan amount and interest rate.\n5. **Condition**: The applicant must submit all required identification and address verification documents (PAN card, Aadhaar card, Passport, Address proof) within 30 days.\n\n#### Risk Mitigation Measures:\n1. **Document Verification**: Ensure that all required documents are submitted and verified before disbursing the loan.\n2. **Monitoring**: Regularly monitor the applicant\u0027s financial behavior and credit utilization during the loan tenure.\n3. **Emergency Fund Recommendation**: Encourage the applicant to build an emergency fund covering 3-6 months of expenses to enhance financial stability.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is well-prepared with complete and accurate information, scoring 95 on the quality assessment. There are no red flags or inconsistencies detected.\n2. **Income Stability**: The applicant has a stable income of $81,600 annually, with a favorable debt-to-income ratio of 0.359, which is below the acceptable limit of 0.4. This indicates the applicant can manage existing debts and proposed EMIs.\n3. **Credit Profile**: The applicant 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 overall risk profile is moderate, with a risk score of 75/100, indicating a generally strong financial position.\n4. **Compliance Status**: The application is compliant with all relevant regulations, with a low overall risk category. There are no compliance gaps or concerns identified, which supports the decision to proceed with conditional approval.\n\n#### Confidence Level: **85**\n- The confidence level reflects a strong belief in the applicant\u0027s ability to repay the loan, contingent upon the submission and verification of the required documents. The absence of these documents currently poses a significant risk, hence the conditional nature of the 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:\n1. **Loan Amount**: As requested, subject to verification of documents.\n2. **Interest Rate**: Standard rate based on the applicant\u0027s credit profile.\n3. **Loan Tenure**: 5 years.\n4. **EMI**: To be calculated based on the final loan amount and interest rate.\n5. **Condition**: The applicant must submit all required identification and address verification documents (PAN card, Aadhaar card, Passport, Address proof) within 30 days.\n\n#### Risk Mitigation Measures:\n1. **Document Verification**: Ensure that all required documents are submitted and verified before disbursing the loan.\n2. **Monitoring**: Regularly monitor the applicant\u0027s financial behavior and credit utilization during the loan tenure.\n3. **Emergency Fund Recommendation**: Encourage the applicant to build an emergency fund covering 3-6 months of expenses to enhance financial stability.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is well-prepared with complete and accurate information, scoring 95 on the quality assessment. There are no red flags or inconsistencies detected.\n2. **Income Stability**: The applicant has a stable income of $81,600 annually, with a favorable debt-to-income ratio of 0.359, which is below the acceptable limit of 0.4. This indicates the applicant can manage existing debts and proposed EMIs.\n3. **Credit Profile**: The applicant 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 overall risk profile is moderate, with a risk score of 75/100, indicating a generally strong financial position.\n4. **Compliance Status**: The application is compliant with all relevant regulations, with a low overall risk category. There are no compliance gaps or concerns identified, which supports the decision to proceed with conditional approval.\n\n#### Confidence Level: **85**\n- The confidence level reflects a strong belief in the applicant\u0027s ability to repay the loan, contingent upon the submission and verification of the required documents. The absence of these documents currently poses a significant risk, hence the conditional nature of the approval.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: **CONDITIONAL APPROVAL**\\n\\n#### Loan Terms and Conditions:\\n1. **Loan Amount**: As requested, subject to verification of documents.\\n2. **Interest Rate**: Standard rate based on the applicant\u0027s credit profile.\\n3. **Loan Tenure**: 5 years.\\n4. **EMI**: To be calculated based on the final loan amount and interest rate.\\n5. **Condition**: The applicant must submit all required identification and address verification documents (PAN card, Aadhaar card, Passport, Address proof) within 30 days.\\n\\n#### Risk Mitigation Measures:\\n1. **Document Verification**: Ensure that all required documents are submitted and verified before disbursing the loan.\\n2. **Monitoring**: Regularly monitor the applicant\u0027s financial behavior and credit utilization during the loan tenure.\\n3. **Emergency Fund Recommendation**: Encourage the applicant to build an emergency fund covering 3-6 months of expenses to enhance financial stability.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is well-prepared with complete and accurate information, scoring 95 on the quality assessment. There are no red flags or inconsistencies detected.\\n2. **Income Stability**: The applicant has a stable income of $81,600 annually, with a favorable debt-to-income ratio of 0.359, which is below the acceptable limit of 0.4. This indicates the applicant can manage existing debts and proposed EMIs.\\n3. **Credit Profile**: The applicant 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 overall risk profile is moderate, with a risk score of 75/100, indicating a generally strong financial position.\\n4. **Compliance Status**: The application is compliant with all relevant regulations, with a low overall risk category. There are no compliance gaps or concerns identified, which supports the decision to proceed with conditional approval.\\n\\n#### Confidence Level: **85**\\n- The confidence level reflects a strong belief in the applicant\u0027s ability to repay the loan, contingent upon the submission and verification of the required documents. The absence of these documents currently poses a significant risk, hence the conditional nature of the approval.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5023, \"completion_tokens\": 462, \"total_tokens\": 5485, \"estimated_cost\": {\"amount\": 0.001031, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "### Final Recommendation: **CONDITIONAL APPROVAL**\n\n#### Loan Terms and Conditions:\n1. **Loan Amount**: As requested, subject to verification of documents.\n2. **Interest Rate**: Standard rate based on the applicant\u0027s credit profile.\n3. **Loan Tenure**: 5 years.\n4. **EMI**: To be calculated based on the final loan amount and interest rate.\n5. **Condition**: The applicant must submit all required identification and address verification documents (PAN card, Aadhaar card, Passport, Address proof) within 30 days.\n\n#### Risk Mitigation Measures:\n1. **Document Verification**: Ensure that all required documents are submitted and verified before disbursing the loan.\n2. **Monitoring**: Regularly monitor the applicant\u0027s financial behavior and credit utilization during the loan tenure.\n3. **Emergency Fund Recommendation**: Encourage the applicant to build an emergency fund covering 3-6 months of expenses to enhance financial stability.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is well-prepared with complete and accurate information, scoring 95 on the quality assessment. There are no red flags or inconsistencies detected.\n2. **Income Stability**: The applicant has a stable income of $81,600 annually, with a favorable debt-to-income ratio of 0.359, which is below the acceptable limit of 0.4. This indicates the applicant can manage existing debts and proposed EMIs.\n3. **Credit Profile**: The applicant 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 overall risk profile is moderate, with a risk score of 75/100, indicating a generally strong financial position.\n4. **Compliance Status**: The application is compliant with all relevant regulations, with a low overall risk category. There are no compliance gaps or concerns identified, which supports the decision to proceed with conditional approval.\n\n#### Confidence Level: **85**\n- The confidence level reflects a strong belief in the applicant\u0027s ability to repay the loan, contingent upon the submission and verification of the required documents. The absence of these documents currently poses a significant risk, hence the conditional nature of the approval.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: **CONDITIONAL APPROVAL**\\n\\n#### Loan Terms and Conditions:\\n1. **Loan Amount**: As requested, subject to verification of documents.\\n2. **Interest Rate**: Standard rate based on the applicant\u0027s credit profile.\\n3. **Loan Tenure**: 5 years.\\n4. **EMI**: To be calculated based on the final loan amount and interest rate.\\n5. **Condition**: The applicant must submit all required identification and address verification documents (PAN card, Aadhaar card, Passport, Address proof) within 30 days.\\n\\n#### Risk Mitigation Measures:\\n1. **Document Verification**: Ensure that all required documents are submitted and verified before disbursing the loan.\\n2. **Monitoring**: Regularly monitor the applicant\u0027s financial behavior and credit utilization during the loan tenure.\\n3. **Emergency Fund Recommendation**: Encourage the applicant to build an emergency fund covering 3-6 months of expenses to enhance financial stability.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is well-prepared with complete and accurate information, scoring 95 on the quality assessment. There are no red flags or inconsistencies detected.\\n2. **Income Stability**: The applicant has a stable income of $81,600 annually, with a favorable debt-to-income ratio of 0.359, which is below the acceptable limit of 0.4. This indicates the applicant can manage existing debts and proposed EMIs.\\n3. **Credit Profile**: The applicant 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 overall risk profile is moderate, with a risk score of 75/100, indicating a generally strong financial position.\\n4. **Compliance Status**: The application is compliant with all relevant regulations, with a low overall risk category. There are no compliance gaps or concerns identified, which supports the decision to proceed with conditional approval.\\n\\n#### Confidence Level: **85**\\n- The confidence level reflects a strong belief in the applicant\u0027s ability to repay the loan, contingent upon the submission and verification of the required documents. The absence of these documents currently poses a significant risk, hence the conditional nature of the approval.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5023, \"completion_tokens\": 462, \"total_tokens\": 5485, \"estimated_cost\": {\"amount\": 0.001031, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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},
"flag_for_manual_review": {
"approval_date": "2024-07-15",
"approval_type": "automatic_complex_case",
"conditions": [
"Quarterly income verification for first year",
"Maintain minimum account balance",
"No additional loans for 12 months",
"Property insurance with bank as beneficiary"
],
"decision": "AUTO_APPROVED_WITH_CONDITIONS",
"execution_details": {
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"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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"interest_rate": 9.0,
"loan_amount": 10000,
"monthly_emi": 45.42,
"notes": "Auto-approved with enhanced monitoring due to complex risk factors",
"offer_validity": "2024-08-10",
"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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},
"generate_final_output": {
"application_id": "124142",
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"compliance_status": "compliant",
"credit_score": 337.9,
"debt_to_income_ratio": 0.3590686274509804,
"risk_category": "high"
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"ai_response": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income from a permanent position with a reputable employer. The recent salary increment and consistent salary credits further enhance income stability.\"\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 that the applicant has sufficient income to service existing debts and proposed EMIs.\"\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 applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend. The financial discipline score of 85.5 reflects responsible financial management.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and maintain financial discipline.\",\n \"Consider building an emergency fund to cover at least 3-6 months of expenses.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but maintaining an emergency fund is advisable.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with a strong employment background, stable financial behavior, and a favorable debt-to-income ratio.\"\n}\n```",
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"system_message": "You are a senior financial analyst specializing in income assessment for loan underwriting.\n\nAnalyze the provided income data and provide:\n1. Income stability assessment\n2. Debt servicing capability\n3. Financial discipline evaluation\n4. Risk factors and recommendations\n5. Overall income adequacy score (1-100)\n\nReturn a detailed JSON assessment.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income from a permanent position with a reputable employer. The recent salary increment and consistent salary credits further enhance income stability.\"\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 that the applicant has sufficient income to service existing debts and proposed EMIs.\"\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 applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend. The financial discipline score of 85.5 reflects responsible financial management.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and maintain financial discipline.\",\n \"Consider building an emergency fund to cover at least 3-6 months of expenses.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but maintaining an emergency fund is advisable.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with a strong employment background, stable financial behavior, and a favorable debt-to-income ratio.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true,\\n \\\"comments\\\": \\\"The applicant has a stable income from a permanent position with a reputable employer. The recent salary increment and consistent salary credits further enhance income stability.\\\"\\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 that the applicant has sufficient income to service existing debts and proposed EMIs.\\\"\\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 applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend. The financial discipline score of 85.5 reflects responsible financial management.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring income growth and maintain financial discipline.\\\",\\n \\\"Consider building an emergency fund to cover at least 3-6 months of expenses.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant\u0027s financial profile is strong, but maintaining an emergency fund is advisable.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the requested loan amount, with a strong employment background, stable financial behavior, and a favorable debt-to-income ratio.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 930, \"completion_tokens\": 413, \"total_tokens\": 1343, \"estimated_cost\": {\"amount\": 0.000387, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"duration_seconds": 7.287419,
"end_time": "2025-07-16T07:24:56.528617",
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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 \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income from a permanent position with a reputable employer. The recent salary increment and consistent salary credits further enhance income stability.\"\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 that the applicant has sufficient income to service existing debts and proposed EMIs.\"\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 applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend. The financial discipline score of 85.5 reflects responsible financial management.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and maintain financial discipline.\",\n \"Consider building an emergency fund to cover at least 3-6 months of expenses.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but maintaining an emergency fund is advisable.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with a strong employment background, stable financial behavior, and a favorable debt-to-income ratio.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true,\\n \\\"comments\\\": \\\"The applicant has a stable income from a permanent position with a reputable employer. The recent salary increment and consistent salary credits further enhance income stability.\\\"\\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 that the applicant has sufficient income to service existing debts and proposed EMIs.\\\"\\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 applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend. The financial discipline score of 85.5 reflects responsible financial management.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring income growth and maintain financial discipline.\\\",\\n \\\"Consider building an emergency fund to cover at least 3-6 months of expenses.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant\u0027s financial profile is strong, but maintaining an emergency fund is advisable.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the requested loan amount, with a strong employment background, stable financial behavior, and a favorable debt-to-income ratio.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 930, \"completion_tokens\": 413, \"total_tokens\": 1343, \"estimated_cost\": {\"amount\": 0.000387, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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}
},
"internal_policy_check": {
"age_criteria_met": true,
"credit_score_threshold_met": true,
"employment_criteria_met": true,
"exceptions_required": [],
"execution_details": {
"actual_result": {
"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",
"return_code": 0,
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},
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},
"geographic_restrictions_met": true,
"income_criteria_met": true,
"loan_amount_within_limits": true,
"ltv_ratio_acceptable": true,
"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",
"policy_compliance_score": 95.5,
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"kyc_compliance_check": {
"address_verified": true,
"compliance_score": 98.5,
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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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},
"identity_verified": true,
"income_verified": true,
"kyc_status": "compliant",
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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",
"regulatory_requirements_met": true,
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"actual_result": {
"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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},
"lending_norms_compliant": true,
"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",
"rbi_guidelines_met": true,
"regulatory_risk": "minimal",
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"task_id": "regulatory_compliance"
},
"status": "SUCCESS",
"task_outputs": {
"aml_screening": {
"adverse_media": "no_hits",
"aml_status": "cleared",
"compliance_score": 96.8,
"execution_details": {
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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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"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",
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},
"analyze_bank_statements": {
"account_balance_trend": "stable",
"average_monthly_credits": 7200,
"bounced_transactions": 0,
"execution_details": {
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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,
"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,
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"status": "completed",
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"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",
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"timestamp": "2025-07-16T07:24:57.043800",
"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",
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"worker_executed": true,
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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",
"recent_increment": true,
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"status": "completed",
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"task_id": "analyze_salary_slips"
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"application_quality_check": {
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"ai_response": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with no missing information.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The annual income aligns with the loan purpose and requested amount.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount is reasonable compared to the annual income.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared, with complete and accurate information. The only minor consideration is the requested loan amount being relatively low compared to the annual income, which may indicate a potential underestimation of needs. However, this does not significantly detract from the overall quality.\"\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 \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with no missing information.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The annual income aligns with the loan purpose and requested amount.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount is reasonable compared to the annual income.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared, with complete and accurate information. The only minor consideration is the requested loan amount being relatively low compared to the annual income, which may indicate a potential underestimation of needs. However, this does not significantly detract from the overall quality.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"complete\\\": true,\\n \\\"accuracy\\\": true,\\n \\\"comments\\\": \\\"All required fields are filled out correctly with no missing information.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistent\\\": true,\\n \\\"comments\\\": \\\"The information provided is consistent across all fields. The annual income aligns with the loan purpose and requested amount.\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"comments\\\": \\\"No red flags or inconsistencies detected. The requested loan amount is reasonable compared to the annual income.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is well-prepared, with complete and accurate information. The only minor consideration is the requested loan amount being relatively low compared to the annual income, which may indicate a potential underestimation of needs. However, this does not significantly detract from the overall quality.\\\"\\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\": 201, \"total_tokens\": 400, \"estimated_cost\": {\"amount\": 0.00015, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with no missing information.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The annual income aligns with the loan purpose and requested amount.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount is reasonable compared to the annual income.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared, with complete and accurate information. The only minor consideration is the requested loan amount being relatively low compared to the annual income, which may indicate a potential underestimation of needs. However, this does not significantly detract from the overall quality.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"complete\\\": true,\\n \\\"accuracy\\\": true,\\n \\\"comments\\\": \\\"All required fields are filled out correctly with no missing information.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistent\\\": true,\\n \\\"comments\\\": \\\"The information provided is consistent across all fields. The annual income aligns with the loan purpose and requested amount.\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"comments\\\": \\\"No red flags or inconsistencies detected. The requested loan amount is reasonable compared to the annual income.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is well-prepared, with complete and accurate information. The only minor consideration is the requested loan amount being relatively low compared to the annual income, which may indicate a potential underestimation of needs. However, this does not significantly detract from the overall quality.\\\"\\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\": 201, \"total_tokens\": 400, \"estimated_cost\": {\"amount\": 0.00015, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"assess_existing_loans": {
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"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",
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"loan_burden_ratio": 0.28,
"loan_details": [
{
"emi": 3500,
"outstanding": 45000,
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"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",
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},
"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,
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"scoring_factors": {
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"loan_burden_contribution": 7.2,
"payment_history_contribution": 29.7,
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},
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"stderr": "",
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},
"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,
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},
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"end_time": "2025-07-16T07:24:49.133712",
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"worker_executed": true,
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},
"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,
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"return_code": 0,
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"stderr": "",
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"total_debt_payments": 2441.6666666666665
},
"check_cibil_score": {
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"closed_accounts": 2,
"credit_history_length": "5 years",
"credit_score": 720,
"credit_utilization": 35.5,
"execution_details": {
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"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,
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},
"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": "",
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},
"compliance_consolidation": {
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"ai_response": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations.\",\n \"Maintain up-to-date documentation and ensure regular reviews of compliance policies.\",\n \"Conduct periodic training for staff on compliance requirements and updates.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The assessment indicates that the application is compliant with all relevant regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low across KYC, AML, regulatory, and internal policy checks, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks, suggesting that all requirements are met satisfactorily.\n4. **Recommendations for Proceeding**: Suggestions include ongoing monitoring and training to ensure continued compliance.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.",
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"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": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations.\",\n \"Maintain up-to-date documentation and ensure regular reviews of compliance policies.\",\n \"Conduct periodic training for staff on compliance requirements and updates.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The assessment indicates that the application is compliant with all relevant regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low across KYC, AML, regulatory, and internal policy checks, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks, suggesting that all requirements are met satisfactorily.\n4. **Recommendations for Proceeding**: Suggestions include ongoing monitoring and training to ensure continued compliance.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk\\\": \\\"Low\\\",\\n \\\"aml_risk\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"Low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue to monitor compliance with KYC and AML regulations.\\\",\\n \\\"Maintain up-to-date documentation and ensure regular reviews of compliance policies.\\\",\\n \\\"Conduct periodic training for staff on compliance requirements and updates.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The assessment indicates that the application is compliant with all relevant regulations and internal policies.\\n2. **Risk Assessment**: The overall risk is categorized as low across KYC, AML, regulatory, and internal policy checks, indicating a strong compliance posture.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks, suggesting that all requirements are met satisfactorily.\\n4. **Recommendations for Proceeding**: Suggestions include ongoing monitoring and training to ensure continued compliance.\\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2119, \"completion_tokens\": 326, \"total_tokens\": 2445, \"estimated_cost\": {\"amount\": 0.000513, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations.\",\n \"Maintain up-to-date documentation and ensure regular reviews of compliance policies.\",\n \"Conduct periodic training for staff on compliance requirements and updates.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The assessment indicates that the application is compliant with all relevant regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low across KYC, AML, regulatory, and internal policy checks, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks, suggesting that all requirements are met satisfactorily.\n4. **Recommendations for Proceeding**: Suggestions include ongoing monitoring and training to ensure continued compliance.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk\\\": \\\"Low\\\",\\n \\\"aml_risk\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"Low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue to monitor compliance with KYC and AML regulations.\\\",\\n \\\"Maintain up-to-date documentation and ensure regular reviews of compliance policies.\\\",\\n \\\"Conduct periodic training for staff on compliance requirements and updates.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The assessment indicates that the application is compliant with all relevant regulations and internal policies.\\n2. **Risk Assessment**: The overall risk is categorized as low across KYC, AML, regulatory, and internal policy checks, indicating a strong compliance posture.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks, suggesting that all requirements are met satisfactorily.\\n4. **Recommendations for Proceeding**: Suggestions include ongoing monitoring and training to ensure continued compliance.\\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2119, \"completion_tokens\": 326, \"total_tokens\": 2445, \"estimated_cost\": {\"amount\": 0.000513, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "```json\n{\n \"overall_verification_success_rate\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were found or verified, leading to a lack of consistency in the information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"comments\": \"The absence of all key identification and address verification documents poses a significant risk in validating the identity and residency of the applicant.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Request resubmission of all required documents.\",\n \"comments\": \"Due to the complete lack of valid documents, it is essential to obtain the necessary identification and address proof to proceed with the application.\"\n }\n}\n```",
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"output": "```json\n{\n \"overall_verification_success_rate\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were found or verified, leading to a lack of consistency in the information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"comments\": \"The absence of all key identification and address verification documents poses a significant risk in validating the identity and residency of the applicant.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Request resubmission of all required documents.\",\n \"comments\": \"Due to the complete lack of valid documents, it is essential to obtain the necessary identification and address proof to proceed with the application.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0,\\n \\\"consistency_across_documents\\\": {\\n \\\"consistent\\\": false,\\n \\\"comments\\\": \\\"No documents were found or verified, leading to a lack of consistency in the information.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"missing_documents\\\": [\\n \\\"PAN card\\\",\\n \\\"Aadhaar card\\\",\\n \\\"Passport\\\",\\n \\\"Address proof\\\"\\n ],\\n \\\"comments\\\": \\\"The absence of all key identification and address verification documents poses a significant risk in validating the identity and residency of the applicant.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Request resubmission of all required documents.\\\",\\n \\\"comments\\\": \\\"Due to the complete lack of valid documents, it is essential to obtain the necessary identification and address proof to proceed with the application.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 720, \"completion_tokens\": 182, \"total_tokens\": 902, \"estimated_cost\": {\"amount\": 0.000217, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"overall_verification_success_rate\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were found or verified, leading to a lack of consistency in the information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"comments\": \"The absence of all key identification and address verification documents poses a significant risk in validating the identity and residency of the applicant.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Request resubmission of all required documents.\",\n \"comments\": \"Due to the complete lack of valid documents, it is essential to obtain the necessary identification and address proof to proceed with the application.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0,\\n \\\"consistency_across_documents\\\": {\\n \\\"consistent\\\": false,\\n \\\"comments\\\": \\\"No documents were found or verified, leading to a lack of consistency in the information.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"missing_documents\\\": [\\n \\\"PAN card\\\",\\n \\\"Aadhaar card\\\",\\n \\\"Passport\\\",\\n \\\"Address proof\\\"\\n ],\\n \\\"comments\\\": \\\"The absence of all key identification and address verification documents poses a significant risk in validating the identity and residency of the applicant.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Request resubmission of all required documents.\\\",\\n \\\"comments\\\": \\\"Due to the complete lack of valid documents, it is essential to obtain the necessary identification and address proof to proceed with the application.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 720, \"completion_tokens\": 182, \"total_tokens\": 902, \"estimated_cost\": {\"amount\": 0.000217, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"evaluate_default_risk": {
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"ai_response": "Based on the provided credit data, we can analyze the default risk using the following criteria:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within the acceptable range (ideally below 30% for optimal risk), suggesting that the applicant is managing their credit responsibly.\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 days and beyond) are concerning but not alarming, given the overall positive repayment history.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: While the credit utilization is slightly above the ideal threshold, it is still manageable. This indicates that the applicant is using credit but not excessively, which is a positive sign.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28% of monthly income)\n- **Outstanding Loans**: 125,000\n- **Remaining Tenure**: Personal Loan (18 months), Auto Loan (24 months)\n\n**Analysis**: The loan burden ratio of 28% is within acceptable limits (generally below 40% is considered manageable). The applicant has a reasonable amount of outstanding loans relative to their income, which suggests they can handle their current debt load.\n\n### 5. Overall Risk Profile\n- **Financial Discipline Score**: 85.5 (from previous data)\n- **Income Stability**: Stable income with a consistent employment history.\n- **Debt-to-Income Ratio**: 0.359 (acceptable)\n\n**Analysis**: The overall financial profile indicates strong financial discipline and stability. The applicant has a good mix of credit types and a solid repayment record, which reduces the risk of default.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the analysis:\n- **Credit Score**: 20 (Good)\n- **Payment History**: 10 (Excellent)\n- **Credit Utilization**: 15 (Moderate)\n- **Repayment Patterns**: 10 (Strong)\n- **Loan Burden**: 10 (Acceptable)\n- **Overall Financial Discipline**: 10 (Strong)\n\n**Total Risk Score**: 75/100\n\n### Recommendations\n1. **Maintain Low Credit Utilization**: Aim to reduce credit utilization below 30% to further improve the credit profile.\n2. **Monitor Payment Patterns**: Continue to ensure timely payments to maintain the excellent repayment history.\n3. **Consider Emergency Fund**: Building an emergency fund to cover 3-6 months of expenses can provide additional financial security.\n4. **Limit New Credit Inquiries**: Avoid taking on new credit unless necessary, as this can impact the credit score and increase risk.\n5. **Regularly Review Credit Report**: Keep an eye on the credit report for any discrepancies or areas for improvement.\n\n### Conclusion\nThe overall risk of default is moderate, with a risk score of 75 indicating that while there are some areas for improvement, the applicant is generally in a strong financial position. By following the recommendations, the applicant can further mitigate risk and enhance their creditworthiness.",
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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 can analyze the default risk using the following criteria:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within the acceptable range (ideally below 30% for optimal risk), suggesting that the applicant is managing their credit responsibly.\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 days and beyond) are concerning but not alarming, given the overall positive repayment history.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: While the credit utilization is slightly above the ideal threshold, it is still manageable. This indicates that the applicant is using credit but not excessively, which is a positive sign.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28% of monthly income)\n- **Outstanding Loans**: 125,000\n- **Remaining Tenure**: Personal Loan (18 months), Auto Loan (24 months)\n\n**Analysis**: The loan burden ratio of 28% is within acceptable limits (generally below 40% is considered manageable). The applicant has a reasonable amount of outstanding loans relative to their income, which suggests they can handle their current debt load.\n\n### 5. Overall Risk Profile\n- **Financial Discipline Score**: 85.5 (from previous data)\n- **Income Stability**: Stable income with a consistent employment history.\n- **Debt-to-Income Ratio**: 0.359 (acceptable)\n\n**Analysis**: The overall financial profile indicates strong financial discipline and stability. The applicant has a good mix of credit types and a solid repayment record, which reduces the risk of default.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the analysis:\n- **Credit Score**: 20 (Good)\n- **Payment History**: 10 (Excellent)\n- **Credit Utilization**: 15 (Moderate)\n- **Repayment Patterns**: 10 (Strong)\n- **Loan Burden**: 10 (Acceptable)\n- **Overall Financial Discipline**: 10 (Strong)\n\n**Total Risk Score**: 75/100\n\n### Recommendations\n1. **Maintain Low Credit Utilization**: Aim to reduce credit utilization below 30% to further improve the credit profile.\n2. **Monitor Payment Patterns**: Continue to ensure timely payments to maintain the excellent repayment history.\n3. **Consider Emergency Fund**: Building an emergency fund to cover 3-6 months of expenses can provide additional financial security.\n4. **Limit New Credit Inquiries**: Avoid taking on new credit unless necessary, as this can impact the credit score and increase risk.\n5. **Regularly Review Credit Report**: Keep an eye on the credit report for any discrepancies or areas for improvement.\n\n### Conclusion\nThe overall risk of default is moderate, with a risk score of 75 indicating that while there are some areas for improvement, the applicant is generally in a strong financial position. By following the recommendations, the applicant can further mitigate risk and enhance their creditworthiness.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we can analyze the default risk using the following criteria:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\\n- **Recent Inquiries**: 2\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within the acceptable range (ideally below 30% for optimal risk), suggesting that the applicant is managing their credit responsibly.\\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 days and beyond) are concerning but not alarming, given the overall positive repayment history.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: While the credit utilization is slightly above the ideal threshold, it is still manageable. This indicates that the applicant is using credit but not excessively, which is a positive sign.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28% of monthly income)\\n- **Outstanding Loans**: 125,000\\n- **Remaining Tenure**: Personal Loan (18 months), Auto Loan (24 months)\\n\\n**Analysis**: The loan burden ratio of 28% is within acceptable limits (generally below 40% is considered manageable). The applicant has a reasonable amount of outstanding loans relative to their income, which suggests they can handle their current debt load.\\n\\n### 5. Overall Risk Profile\\n- **Financial Discipline Score**: 85.5 (from previous data)\\n- **Income Stability**: Stable income with a consistent employment history.\\n- **Debt-to-Income Ratio**: 0.359 (acceptable)\\n\\n**Analysis**: The overall financial profile indicates strong financial discipline and stability. The applicant has a good mix of credit types and a solid repayment record, which reduces the risk of default.\\n\\n### Risk Score Calculation\\nConsidering all the factors above, we can assign a risk score based on the analysis:\\n- **Credit Score**: 20 (Good)\\n- **Payment History**: 10 (Excellent)\\n- **Credit Utilization**: 15 (Moderate)\\n- **Repayment Patterns**: 10 (Strong)\\n- **Loan Burden**: 10 (Acceptable)\\n- **Overall Financial Discipline**: 10 (Strong)\\n\\n**Total Risk Score**: 75/100\\n\\n### Recommendations\\n1. **Maintain Low Credit Utilization**: Aim to reduce credit utilization below 30% to further improve the credit profile.\\n2. **Monitor Payment Patterns**: Continue to ensure timely payments to maintain the excellent repayment history.\\n3. **Consider Emergency Fund**: Building an emergency fund to cover 3-6 months of expenses can provide additional financial security.\\n4. **Limit New Credit Inquiries**: Avoid taking on new credit unless necessary, as this can impact the credit score and increase risk.\\n5. **Regularly Review Credit Report**: Keep an eye on the credit report for any discrepancies or areas for improvement.\\n\\n### Conclusion\\nThe overall risk of default is moderate, with a risk score of 75 indicating that while there are some areas for improvement, the applicant is generally in a strong financial position. By following the recommendations, the applicant can further mitigate risk and enhance their creditworthiness.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1293, \"completion_tokens\": 849, \"total_tokens\": 2142, \"estimated_cost\": {\"amount\": 0.000703, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"end_time": "2025-07-16T07:25:12.664680",
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"output": "Based on the provided credit data, we can analyze the default risk using the following criteria:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within the acceptable range (ideally below 30% for optimal risk), suggesting that the applicant is managing their credit responsibly.\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 days and beyond) are concerning but not alarming, given the overall positive repayment history.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: While the credit utilization is slightly above the ideal threshold, it is still manageable. This indicates that the applicant is using credit but not excessively, which is a positive sign.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28% of monthly income)\n- **Outstanding Loans**: 125,000\n- **Remaining Tenure**: Personal Loan (18 months), Auto Loan (24 months)\n\n**Analysis**: The loan burden ratio of 28% is within acceptable limits (generally below 40% is considered manageable). The applicant has a reasonable amount of outstanding loans relative to their income, which suggests they can handle their current debt load.\n\n### 5. Overall Risk Profile\n- **Financial Discipline Score**: 85.5 (from previous data)\n- **Income Stability**: Stable income with a consistent employment history.\n- **Debt-to-Income Ratio**: 0.359 (acceptable)\n\n**Analysis**: The overall financial profile indicates strong financial discipline and stability. The applicant has a good mix of credit types and a solid repayment record, which reduces the risk of default.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the analysis:\n- **Credit Score**: 20 (Good)\n- **Payment History**: 10 (Excellent)\n- **Credit Utilization**: 15 (Moderate)\n- **Repayment Patterns**: 10 (Strong)\n- **Loan Burden**: 10 (Acceptable)\n- **Overall Financial Discipline**: 10 (Strong)\n\n**Total Risk Score**: 75/100\n\n### Recommendations\n1. **Maintain Low Credit Utilization**: Aim to reduce credit utilization below 30% to further improve the credit profile.\n2. **Monitor Payment Patterns**: Continue to ensure timely payments to maintain the excellent repayment history.\n3. **Consider Emergency Fund**: Building an emergency fund to cover 3-6 months of expenses can provide additional financial security.\n4. **Limit New Credit Inquiries**: Avoid taking on new credit unless necessary, as this can impact the credit score and increase risk.\n5. **Regularly Review Credit Report**: Keep an eye on the credit report for any discrepancies or areas for improvement.\n\n### Conclusion\nThe overall risk of default is moderate, with a risk score of 75 indicating that while there are some areas for improvement, the applicant is generally in a strong financial position. By following the recommendations, the applicant can further mitigate risk and enhance their creditworthiness.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we can analyze the default risk using the following criteria:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\\n- **Recent Inquiries**: 2\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with 99% on-time payments. The credit utilization of 35.5% is within the acceptable range (ideally below 30% for optimal risk), suggesting that the applicant is managing their credit responsibly.\\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 days and beyond) are concerning but not alarming, given the overall positive repayment history.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: While the credit utilization is slightly above the ideal threshold, it is still manageable. This indicates that the applicant is using credit but not excessively, which is a positive sign.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28% of monthly income)\\n- **Outstanding Loans**: 125,000\\n- **Remaining Tenure**: Personal Loan (18 months), Auto Loan (24 months)\\n\\n**Analysis**: The loan burden ratio of 28% is within acceptable limits (generally below 40% is considered manageable). The applicant has a reasonable amount of outstanding loans relative to their income, which suggests they can handle their current debt load.\\n\\n### 5. Overall Risk Profile\\n- **Financial Discipline Score**: 85.5 (from previous data)\\n- **Income Stability**: Stable income with a consistent employment history.\\n- **Debt-to-Income Ratio**: 0.359 (acceptable)\\n\\n**Analysis**: The overall financial profile indicates strong financial discipline and stability. The applicant has a good mix of credit types and a solid repayment record, which reduces the risk of default.\\n\\n### Risk Score Calculation\\nConsidering all the factors above, we can assign a risk score based on the analysis:\\n- **Credit Score**: 20 (Good)\\n- **Payment History**: 10 (Excellent)\\n- **Credit Utilization**: 15 (Moderate)\\n- **Repayment Patterns**: 10 (Strong)\\n- **Loan Burden**: 10 (Acceptable)\\n- **Overall Financial Discipline**: 10 (Strong)\\n\\n**Total Risk Score**: 75/100\\n\\n### Recommendations\\n1. **Maintain Low Credit Utilization**: Aim to reduce credit utilization below 30% to further improve the credit profile.\\n2. **Monitor Payment Patterns**: Continue to ensure timely payments to maintain the excellent repayment history.\\n3. **Consider Emergency Fund**: Building an emergency fund to cover 3-6 months of expenses can provide additional financial security.\\n4. **Limit New Credit Inquiries**: Avoid taking on new credit unless necessary, as this can impact the credit score and increase risk.\\n5. **Regularly Review Credit Report**: Keep an eye on the credit report for any discrepancies or areas for improvement.\\n\\n### Conclusion\\nThe overall risk of default is moderate, with a risk score of 75 indicating that while there are some areas for improvement, the applicant is generally in a strong financial position. By following the recommendations, the applicant can further mitigate risk and enhance their creditworthiness.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1293, \"completion_tokens\": 849, \"total_tokens\": 2142, \"estimated_cost\": {\"amount\": 0.000703, \"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:\n1. **Loan Amount**: As requested, subject to verification of documents.\n2. **Interest Rate**: Standard rate based on the applicant\u0027s credit profile.\n3. **Loan Tenure**: 5 years.\n4. **EMI**: To be calculated based on the final loan amount and interest rate.\n5. **Condition**: The applicant must submit all required identification and address verification documents (PAN card, Aadhaar card, Passport, Address proof) within 30 days.\n\n#### Risk Mitigation Measures:\n1. **Document Verification**: Ensure that all required documents are submitted and verified before disbursing the loan.\n2. **Monitoring**: Regularly monitor the applicant\u0027s financial behavior and credit utilization during the loan tenure.\n3. **Emergency Fund Recommendation**: Encourage the applicant to build an emergency fund covering 3-6 months of expenses to enhance financial stability.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is well-prepared with complete and accurate information, scoring 95 on the quality assessment. There are no red flags or inconsistencies detected.\n2. **Income Stability**: The applicant has a stable income of $81,600 annually, with a favorable debt-to-income ratio of 0.359, which is below the acceptable limit of 0.4. This indicates the applicant can manage existing debts and proposed EMIs.\n3. **Credit Profile**: The applicant 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 overall risk profile is moderate, with a risk score of 75/100, indicating a generally strong financial position.\n4. **Compliance Status**: The application is compliant with all relevant regulations, with a low overall risk category. There are no compliance gaps or concerns identified, which supports the decision to proceed with conditional approval.\n\n#### Confidence Level: **85**\n- The confidence level reflects a strong belief in the applicant\u0027s ability to repay the loan, contingent upon the submission and verification of the required documents. The absence of these documents currently poses a significant risk, hence the conditional nature of the 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:\n1. **Loan Amount**: As requested, subject to verification of documents.\n2. **Interest Rate**: Standard rate based on the applicant\u0027s credit profile.\n3. **Loan Tenure**: 5 years.\n4. **EMI**: To be calculated based on the final loan amount and interest rate.\n5. **Condition**: The applicant must submit all required identification and address verification documents (PAN card, Aadhaar card, Passport, Address proof) within 30 days.\n\n#### Risk Mitigation Measures:\n1. **Document Verification**: Ensure that all required documents are submitted and verified before disbursing the loan.\n2. **Monitoring**: Regularly monitor the applicant\u0027s financial behavior and credit utilization during the loan tenure.\n3. **Emergency Fund Recommendation**: Encourage the applicant to build an emergency fund covering 3-6 months of expenses to enhance financial stability.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is well-prepared with complete and accurate information, scoring 95 on the quality assessment. There are no red flags or inconsistencies detected.\n2. **Income Stability**: The applicant has a stable income of $81,600 annually, with a favorable debt-to-income ratio of 0.359, which is below the acceptable limit of 0.4. This indicates the applicant can manage existing debts and proposed EMIs.\n3. **Credit Profile**: The applicant 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 overall risk profile is moderate, with a risk score of 75/100, indicating a generally strong financial position.\n4. **Compliance Status**: The application is compliant with all relevant regulations, with a low overall risk category. There are no compliance gaps or concerns identified, which supports the decision to proceed with conditional approval.\n\n#### Confidence Level: **85**\n- The confidence level reflects a strong belief in the applicant\u0027s ability to repay the loan, contingent upon the submission and verification of the required documents. The absence of these documents currently poses a significant risk, hence the conditional nature of the approval.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: **CONDITIONAL APPROVAL**\\n\\n#### Loan Terms and Conditions:\\n1. **Loan Amount**: As requested, subject to verification of documents.\\n2. **Interest Rate**: Standard rate based on the applicant\u0027s credit profile.\\n3. **Loan Tenure**: 5 years.\\n4. **EMI**: To be calculated based on the final loan amount and interest rate.\\n5. **Condition**: The applicant must submit all required identification and address verification documents (PAN card, Aadhaar card, Passport, Address proof) within 30 days.\\n\\n#### Risk Mitigation Measures:\\n1. **Document Verification**: Ensure that all required documents are submitted and verified before disbursing the loan.\\n2. **Monitoring**: Regularly monitor the applicant\u0027s financial behavior and credit utilization during the loan tenure.\\n3. **Emergency Fund Recommendation**: Encourage the applicant to build an emergency fund covering 3-6 months of expenses to enhance financial stability.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is well-prepared with complete and accurate information, scoring 95 on the quality assessment. There are no red flags or inconsistencies detected.\\n2. **Income Stability**: The applicant has a stable income of $81,600 annually, with a favorable debt-to-income ratio of 0.359, which is below the acceptable limit of 0.4. This indicates the applicant can manage existing debts and proposed EMIs.\\n3. **Credit Profile**: The applicant 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 overall risk profile is moderate, with a risk score of 75/100, indicating a generally strong financial position.\\n4. **Compliance Status**: The application is compliant with all relevant regulations, with a low overall risk category. There are no compliance gaps or concerns identified, which supports the decision to proceed with conditional approval.\\n\\n#### Confidence Level: **85**\\n- The confidence level reflects a strong belief in the applicant\u0027s ability to repay the loan, contingent upon the submission and verification of the required documents. The absence of these documents currently poses a significant risk, hence the conditional nature of the approval.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5023, \"completion_tokens\": 462, \"total_tokens\": 5485, \"estimated_cost\": {\"amount\": 0.001031, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "### Final Recommendation: **CONDITIONAL APPROVAL**\n\n#### Loan Terms and Conditions:\n1. **Loan Amount**: As requested, subject to verification of documents.\n2. **Interest Rate**: Standard rate based on the applicant\u0027s credit profile.\n3. **Loan Tenure**: 5 years.\n4. **EMI**: To be calculated based on the final loan amount and interest rate.\n5. **Condition**: The applicant must submit all required identification and address verification documents (PAN card, Aadhaar card, Passport, Address proof) within 30 days.\n\n#### Risk Mitigation Measures:\n1. **Document Verification**: Ensure that all required documents are submitted and verified before disbursing the loan.\n2. **Monitoring**: Regularly monitor the applicant\u0027s financial behavior and credit utilization during the loan tenure.\n3. **Emergency Fund Recommendation**: Encourage the applicant to build an emergency fund covering 3-6 months of expenses to enhance financial stability.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is well-prepared with complete and accurate information, scoring 95 on the quality assessment. There are no red flags or inconsistencies detected.\n2. **Income Stability**: The applicant has a stable income of $81,600 annually, with a favorable debt-to-income ratio of 0.359, which is below the acceptable limit of 0.4. This indicates the applicant can manage existing debts and proposed EMIs.\n3. **Credit Profile**: The applicant 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 overall risk profile is moderate, with a risk score of 75/100, indicating a generally strong financial position.\n4. **Compliance Status**: The application is compliant with all relevant regulations, with a low overall risk category. There are no compliance gaps or concerns identified, which supports the decision to proceed with conditional approval.\n\n#### Confidence Level: **85**\n- The confidence level reflects a strong belief in the applicant\u0027s ability to repay the loan, contingent upon the submission and verification of the required documents. The absence of these documents currently poses a significant risk, hence the conditional nature of the approval.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: **CONDITIONAL APPROVAL**\\n\\n#### Loan Terms and Conditions:\\n1. **Loan Amount**: As requested, subject to verification of documents.\\n2. **Interest Rate**: Standard rate based on the applicant\u0027s credit profile.\\n3. **Loan Tenure**: 5 years.\\n4. **EMI**: To be calculated based on the final loan amount and interest rate.\\n5. **Condition**: The applicant must submit all required identification and address verification documents (PAN card, Aadhaar card, Passport, Address proof) within 30 days.\\n\\n#### Risk Mitigation Measures:\\n1. **Document Verification**: Ensure that all required documents are submitted and verified before disbursing the loan.\\n2. **Monitoring**: Regularly monitor the applicant\u0027s financial behavior and credit utilization during the loan tenure.\\n3. **Emergency Fund Recommendation**: Encourage the applicant to build an emergency fund covering 3-6 months of expenses to enhance financial stability.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is well-prepared with complete and accurate information, scoring 95 on the quality assessment. There are no red flags or inconsistencies detected.\\n2. **Income Stability**: The applicant has a stable income of $81,600 annually, with a favorable debt-to-income ratio of 0.359, which is below the acceptable limit of 0.4. This indicates the applicant can manage existing debts and proposed EMIs.\\n3. **Credit Profile**: The applicant 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 overall risk profile is moderate, with a risk score of 75/100, indicating a generally strong financial position.\\n4. **Compliance Status**: The application is compliant with all relevant regulations, with a low overall risk category. There are no compliance gaps or concerns identified, which supports the decision to proceed with conditional approval.\\n\\n#### Confidence Level: **85**\\n- The confidence level reflects a strong belief in the applicant\u0027s ability to repay the loan, contingent upon the submission and verification of the required documents. The absence of these documents currently poses a significant risk, hence the conditional nature of the approval.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5023, \"completion_tokens\": 462, \"total_tokens\": 5485, \"estimated_cost\": {\"amount\": 0.001031, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"No additional loans for 12 months",
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],
"decision": "AUTO_APPROVED_WITH_CONDITIONS",
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"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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"ai_response": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income from a permanent position with a reputable employer. The recent salary increment and consistent salary credits further enhance income stability.\"\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 that the applicant has sufficient income to service existing debts and proposed EMIs.\"\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 applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend. The financial discipline score of 85.5 reflects responsible financial management.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and maintain financial discipline.\",\n \"Consider building an emergency fund to cover at least 3-6 months of expenses.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but maintaining an emergency fund is advisable.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with a strong employment background, stable financial behavior, and a favorable debt-to-income ratio.\"\n}\n```",
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"system_message": "You are a senior financial analyst specializing in income assessment for loan underwriting.\n\nAnalyze the provided income data and provide:\n1. Income stability assessment\n2. Debt servicing capability\n3. Financial discipline evaluation\n4. Risk factors and recommendations\n5. Overall income adequacy score (1-100)\n\nReturn a detailed JSON assessment.\n"
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"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income from a permanent position with a reputable employer. The recent salary increment and consistent salary credits further enhance income stability.\"\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 that the applicant has sufficient income to service existing debts and proposed EMIs.\"\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 applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend. The financial discipline score of 85.5 reflects responsible financial management.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and maintain financial discipline.\",\n \"Consider building an emergency fund to cover at least 3-6 months of expenses.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but maintaining an emergency fund is advisable.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with a strong employment background, stable financial behavior, and a favorable debt-to-income ratio.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true,\\n \\\"comments\\\": \\\"The applicant has a stable income from a permanent position with a reputable employer. The recent salary increment and consistent salary credits further enhance income stability.\\\"\\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 that the applicant has sufficient income to service existing debts and proposed EMIs.\\\"\\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 applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend. The financial discipline score of 85.5 reflects responsible financial management.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring income growth and maintain financial discipline.\\\",\\n \\\"Consider building an emergency fund to cover at least 3-6 months of expenses.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant\u0027s financial profile is strong, but maintaining an emergency fund is advisable.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the requested loan amount, with a strong employment background, stable financial behavior, and a favorable debt-to-income ratio.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 930, \"completion_tokens\": 413, \"total_tokens\": 1343, \"estimated_cost\": {\"amount\": 0.000387, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income from a permanent position with a reputable employer. The recent salary increment and consistent salary credits further enhance income stability.\"\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 that the applicant has sufficient income to service existing debts and proposed EMIs.\"\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 applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend. The financial discipline score of 85.5 reflects responsible financial management.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and maintain financial discipline.\",\n \"Consider building an emergency fund to cover at least 3-6 months of expenses.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but maintaining an emergency fund is advisable.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with a strong employment background, stable financial behavior, and a favorable debt-to-income ratio.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true,\\n \\\"comments\\\": \\\"The applicant has a stable income from a permanent position with a reputable employer. The recent salary increment and consistent salary credits further enhance income stability.\\\"\\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 that the applicant has sufficient income to service existing debts and proposed EMIs.\\\"\\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 applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend. The financial discipline score of 85.5 reflects responsible financial management.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring income growth and maintain financial discipline.\\\",\\n \\\"Consider building an emergency fund to cover at least 3-6 months of expenses.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant\u0027s financial profile is strong, but maintaining an emergency fund is advisable.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the requested loan amount, with a strong employment background, stable financial behavior, and a favorable debt-to-income ratio.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 930, \"completion_tokens\": 413, \"total_tokens\": 1343, \"estimated_cost\": {\"amount\": 0.000387, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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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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"start_time": "2025-07-16T07:25:13.050601",
"timestamp": "2025-07-16T07:25:13.272111",
"worker_executed": true,
"workers_notified": true
},
"identity_verified": true,
"income_verified": true,
"kyc_status": "compliant",
"last_updated": "2024-07-15",
"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",
"regulatory_requirements_met": true,
"return_code": 0,
"risk_category": "low",
"status": "completed",
"stderr": "",
"task_id": "kyc_compliance_check"
},
"process_documents_loop": {
"execution_details": {
"actual_result": {
"loop_result": {
"exit_reason": "max_iterations",
"final_state": {},
"iterations_completed": 10
},
"output": "Loop completed after 10 iterations",
"status": "completed"
},
"duration_seconds": 0.147452,
"end_time": "2025-07-16T07:24:43.236571",
"message_sent": true,
"start_time": "2025-07-16T07:24:43.089119",
"timestamp": "2025-07-16T07:24:43.236571",
"worker_executed": true,
"workers_notified": true
},
"exit_reason": "max_iterations",
"final_state": {},
"iterations_completed": 10,
"loop_result": {
"exit_reason": "max_iterations",
"final_state": {},
"iterations_completed": 10
},
"output": "Loop completed after 10 iterations",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "process_documents_loop"
},
"regulatory_compliance": {
"audit_trail_complete": true,
"compliance_score": 97.2,
"consumer_protection_compliant": true,
"data_privacy_compliant": true,
"disclosure_requirements_met": true,
"documentation_complete": true,
"execution_details": {
"actual_result": {
"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",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.260196,
"end_time": "2025-07-16T07:25:13.808521",
"message_sent": true,
"start_time": "2025-07-16T07:25:13.548325",
"timestamp": "2025-07-16T07:25:13.808521",
"worker_executed": true,
"workers_notified": true
},
"lending_norms_compliant": true,
"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",
"rbi_guidelines_met": true,
"regulatory_risk": "minimal",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "regulatory_compliance"
},
"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": 0.001197,
"ended_at": "2025-07-16T07:25:20.248940",
"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\": 0.001197, \"started_at\": \"2025-07-16T07:25:20.247743\", \"ended_at\": \"2025-07-16T07:25:20.248940\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.19455,
"end_time": "2025-07-16T07:25:20.320636",
"message_sent": true,
"start_time": "2025-07-16T07:25:20.126086",
"timestamp": "2025-07-16T07:25:20.320636",
"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\": 0.001197, \"started_at\": \"2025-07-16T07:25:20.247743\", \"ended_at\": \"2025-07-16T07:25:20.248940\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-16T07:25:20.247743",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"upload_to_supabase": {
"bucket_name": "loan-approval",
"columns_count": 110,
"csv_structure": {
"column_count": 110,
"columns": [
"processing_timestamp",
"workflow_id",
"workflow_version",
"application_id",
"requested_amount",
"processing_date",
"workflow_status",
"customer_id",
"applicant_name",
"email",
"phone",
"address",
"employment_status",
"annual_income",
"loan_purpose",
"pan_number",
"pan_verified",
"pan_verification_score",
"pan_name_match",
"aadhaar_masked",
"aadhaar_verified",
"aadhaar_verification_score",
"aadhaar_address_match",
"passport_number",
"passport_verified",
"passport_verification_score",
"address_proof_type",
"address_proof_verified",
"address_proof_verification_score",
"total_uploaded_documents",
"total_processed_documents",
"documents_successfully_processed",
"average_ocr_confidence",
"document_types_found",
"ocr_extraction_successful",
"high_confidence_documents",
"low_confidence_documents",
"pan_card_ocr_extracted",
"pan_card_ocr_confidence",
"aadhaar_ocr_extracted",
"aadhaar_ocr_confidence",
"passport_ocr_extracted",
"passport_ocr_confidence",
"address_proof_ocr_extracted",
"address_proof_ocr_confidence",
"monthly_gross_salary",
"monthly_net_salary",
"annual_gross_income",
"annual_net_income",
"employer_name",
"employment_duration",
"salary_consistency",
"recent_increment",
"employment_confirmed",
"designation",
"employment_type",
"job_stability_score",
"average_monthly_credits",
"account_balance_trend",
"minimum_balance",
"maximum_balance",
"bounced_transactions",
"loan_emis_detected",
"financial_discipline_score",
"declared_tax_income",
"tax_paid",
"tax_compliance_score",
"debt_to_income_ratio",
"existing_debt_payments",
"proposed_emi",
"total_debt_payments",
"ratio_acceptable",
"cibil_score",
"credit_score_range",
"credit_history_length",
"total_accounts",
"active_accounts",
"credit_utilization",
"payment_history",
"recent_inquiries",
"internal_credit_score",
"score_acceptable",
"risk_category",
"total_outstanding_loans",
"number_of_existing_loans",
"total_monthly_emi",
"loan_burden_ratio",
"repayment_track_record",
"kyc_status",
"kyc_compliance_score",
"identity_verified",
"address_verified",
"income_verified",
"documents_complete",
"aml_status",
"aml_compliance_score",
"watchlist_check",
"pep_screening",
"sanctions_check",
"manual_review_required",
"rbi_guidelines_met",
"lending_norms_compliant",
"regulatory_compliance_score",
"internal_policy_compliance_score",
"final_decision",
"decision_confidence",
"overall_processing_status",
"processing_time_minutes",
"processed_by",
"processing_node"
],
"key_metrics": {
"aml_cleared": false,
"avg_ocr_confidence": 0.0,
"cibil_score": 0,
"credit_score": 0,
"documents_processed": 0,
"documents_uploaded": 0,
"kyc_compliant": false,
"ocr_successful": false,
"ratio_acceptable": false,
"risk_category": "unknown"
},
"row_count": 1
},
"data_summary": {
"applicant_name": "Unknown Applicant",
"application_id": "124142",
"average_ocr_confidence": 0.0,
"cibil_score": 0,
"debt_to_income_ratio": 0,
"final_decision": "PENDING",
"internal_credit_score": 0,
"ocr_extraction_successful": false,
"requested_amount": 10000.0,
"risk_category": "unknown",
"total_processed_documents": 0,
"total_uploaded_documents": 0
},
"execution_details": {
"actual_result": {
"output": "Error parsing previous node data: name \u0027UNRESOLVED_extract_application_info\u0027 is not defined\nGenerated CSV file: loan_underwriting_124142_20250716_072532.csv\nCSV content size: 2790 characters\nData rows: 1\nColumns: 110\nFile uploaded successfully to Supabase\nUpload completed successfully\nPublic URL: https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_124142_20250716_072532.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_124142_20250716_072532.csv\", \"file_size_bytes\": 2790, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_124142_20250716_072532.csv?\", \"upload_timestamp\": \"2025-07-16T07:25:33.554333\", \"records_uploaded\": 1, \"columns_count\": 110, \"data_summary\": {\"application_id\": \"124142\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 10000.0, \"internal_credit_score\": 0, \"debt_to_income_ratio\": 0, \"final_decision\": \"PENDING\", \"cibil_score\": 0, \"risk_category\": \"unknown\", \"total_uploaded_documents\": 0, \"total_processed_documents\": 0, \"average_ocr_confidence\": 0.0, \"ocr_extraction_successful\": false}, \"csv_structure\": {\"columns\": [\"processing_timestamp\", \"workflow_id\", \"workflow_version\", \"application_id\", \"requested_amount\", \"processing_date\", \"workflow_status\", \"customer_id\", \"applicant_name\", \"email\", \"phone\", \"address\", \"employment_status\", \"annual_income\", \"loan_purpose\", \"pan_number\", \"pan_verified\", \"pan_verification_score\", \"pan_name_match\", \"aadhaar_masked\", \"aadhaar_verified\", \"aadhaar_verification_score\", \"aadhaar_address_match\", \"passport_number\", \"passport_verified\", \"passport_verification_score\", \"address_proof_type\", \"address_proof_verified\", \"address_proof_verification_score\", \"total_uploaded_documents\", \"total_processed_documents\", \"documents_successfully_processed\", \"average_ocr_confidence\", \"document_types_found\", \"ocr_extraction_successful\", \"high_confidence_documents\", \"low_confidence_documents\", \"pan_card_ocr_extracted\", \"pan_card_ocr_confidence\", \"aadhaar_ocr_extracted\", \"aadhaar_ocr_confidence\", \"passport_ocr_extracted\", \"passport_ocr_confidence\", \"address_proof_ocr_extracted\", \"address_proof_ocr_confidence\", \"monthly_gross_salary\", \"monthly_net_salary\", \"annual_gross_income\", \"annual_net_income\", \"employer_name\", \"employment_duration\", \"salary_consistency\", \"recent_increment\", \"employment_confirmed\", \"designation\", \"employment_type\", \"job_stability_score\", \"average_monthly_credits\", \"account_balance_trend\", \"minimum_balance\", \"maximum_balance\", \"bounced_transactions\", \"loan_emis_detected\", \"financial_discipline_score\", \"declared_tax_income\", \"tax_paid\", \"tax_compliance_score\", \"debt_to_income_ratio\", \"existing_debt_payments\", \"proposed_emi\", \"total_debt_payments\", \"ratio_acceptable\", \"cibil_score\", \"credit_score_range\", \"credit_history_length\", \"total_accounts\", \"active_accounts\", \"credit_utilization\", \"payment_history\", \"recent_inquiries\", \"internal_credit_score\", \"score_acceptable\", \"risk_category\", \"total_outstanding_loans\", \"number_of_existing_loans\", \"total_monthly_emi\", \"loan_burden_ratio\", \"repayment_track_record\", \"kyc_status\", \"kyc_compliance_score\", \"identity_verified\", \"address_verified\", \"income_verified\", \"documents_complete\", \"aml_status\", \"aml_compliance_score\", \"watchlist_check\", \"pep_screening\", \"sanctions_check\", \"manual_review_required\", \"rbi_guidelines_met\", \"lending_norms_compliant\", \"regulatory_compliance_score\", \"internal_policy_compliance_score\", \"final_decision\", \"decision_confidence\", \"overall_processing_status\", \"processing_time_minutes\", \"processed_by\", \"processing_node\"], \"column_count\": 110, \"row_count\": 1, \"key_metrics\": {\"credit_score\": 0, \"cibil_score\": 0, \"risk_category\": \"unknown\", \"kyc_compliant\": false, \"aml_cleared\": false, \"ratio_acceptable\": false, \"documents_uploaded\": 0, \"documents_processed\": 0, \"ocr_successful\": false, \"avg_ocr_confidence\": 0.0}}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 2.638143,
"end_time": "2025-07-16T07:25:33.811515",
"message_sent": true,
"start_time": "2025-07-16T07:25:31.173372",
"timestamp": "2025-07-16T07:25:33.811515",
"worker_executed": true,
"workers_notified": true
},
"file_size_bytes": 2790,
"filename": "loan_underwriting_124142_20250716_072532.csv",
"output": "Error parsing previous node data: name \u0027UNRESOLVED_extract_application_info\u0027 is not defined\nGenerated CSV file: loan_underwriting_124142_20250716_072532.csv\nCSV content size: 2790 characters\nData rows: 1\nColumns: 110\nFile uploaded successfully to Supabase\nUpload completed successfully\nPublic URL: https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_124142_20250716_072532.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_124142_20250716_072532.csv\", \"file_size_bytes\": 2790, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_124142_20250716_072532.csv?\", \"upload_timestamp\": \"2025-07-16T07:25:33.554333\", \"records_uploaded\": 1, \"columns_count\": 110, \"data_summary\": {\"application_id\": \"124142\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 10000.0, \"internal_credit_score\": 0, \"debt_to_income_ratio\": 0, \"final_decision\": \"PENDING\", \"cibil_score\": 0, \"risk_category\": \"unknown\", \"total_uploaded_documents\": 0, \"total_processed_documents\": 0, \"average_ocr_confidence\": 0.0, \"ocr_extraction_successful\": false}, \"csv_structure\": {\"columns\": [\"processing_timestamp\", \"workflow_id\", \"workflow_version\", \"application_id\", \"requested_amount\", \"processing_date\", \"workflow_status\", \"customer_id\", \"applicant_name\", \"email\", \"phone\", \"address\", \"employment_status\", \"annual_income\", \"loan_purpose\", \"pan_number\", \"pan_verified\", \"pan_verification_score\", \"pan_name_match\", \"aadhaar_masked\", \"aadhaar_verified\", \"aadhaar_verification_score\", \"aadhaar_address_match\", \"passport_number\", \"passport_verified\", \"passport_verification_score\", \"address_proof_type\", \"address_proof_verified\", \"address_proof_verification_score\", \"total_uploaded_documents\", \"total_processed_documents\", \"documents_successfully_processed\", \"average_ocr_confidence\", \"document_types_found\", \"ocr_extraction_successful\", \"high_confidence_documents\", \"low_confidence_documents\", \"pan_card_ocr_extracted\", \"pan_card_ocr_confidence\", \"aadhaar_ocr_extracted\", \"aadhaar_ocr_confidence\", \"passport_ocr_extracted\", \"passport_ocr_confidence\", \"address_proof_ocr_extracted\", \"address_proof_ocr_confidence\", \"monthly_gross_salary\", \"monthly_net_salary\", \"annual_gross_income\", \"annual_net_income\", \"employer_name\", \"employment_duration\", \"salary_consistency\", \"recent_increment\", \"employment_confirmed\", \"designation\", \"employment_type\", \"job_stability_score\", \"average_monthly_credits\", \"account_balance_trend\", \"minimum_balance\", \"maximum_balance\", \"bounced_transactions\", \"loan_emis_detected\", \"financial_discipline_score\", \"declared_tax_income\", \"tax_paid\", \"tax_compliance_score\", \"debt_to_income_ratio\", \"existing_debt_payments\", \"proposed_emi\", \"total_debt_payments\", \"ratio_acceptable\", \"cibil_score\", \"credit_score_range\", \"credit_history_length\", \"total_accounts\", \"active_accounts\", \"credit_utilization\", \"payment_history\", \"recent_inquiries\", \"internal_credit_score\", \"score_acceptable\", \"risk_category\", \"total_outstanding_loans\", \"number_of_existing_loans\", \"total_monthly_emi\", \"loan_burden_ratio\", \"repayment_track_record\", \"kyc_status\", \"kyc_compliance_score\", \"identity_verified\", \"address_verified\", \"income_verified\", \"documents_complete\", \"aml_status\", \"aml_compliance_score\", \"watchlist_check\", \"pep_screening\", \"sanctions_check\", \"manual_review_required\", \"rbi_guidelines_met\", \"lending_norms_compliant\", \"regulatory_compliance_score\", \"internal_policy_compliance_score\", \"final_decision\", \"decision_confidence\", \"overall_processing_status\", \"processing_time_minutes\", \"processed_by\", \"processing_node\"], \"column_count\": 110, \"row_count\": 1, \"key_metrics\": {\"credit_score\": 0, \"cibil_score\": 0, \"risk_category\": \"unknown\", \"kyc_compliant\": false, \"aml_cleared\": false, \"ratio_acceptable\": false, \"documents_uploaded\": 0, \"documents_processed\": 0, \"ocr_successful\": false, \"avg_ocr_confidence\": 0.0}}}\n",
"public_url": "https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_124142_20250716_072532.csv?",
"records_uploaded": 1,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "upload_to_supabase",
"upload_status": "success",
"upload_timestamp": "2025-07-16T07:25:33.554333"
},
"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": 0.212394,
"end_time": "2025-07-16T07:24:38.657067",
"message_sent": true,
"start_time": "2025-07-16T07:24:38.444673",
"timestamp": "2025-07-16T07:24:38.657067",
"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": "N/A",
"address_match": false,
"address_on_aadhaar": "N/A",
"biometric_verified": false,
"date_of_birth": "N/A",
"document_found": false,
"error": "Aadhaar card not found in uploaded documents",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"biometric_verified\": false, \"verification_score\": 0.0, \"last_updated\": \"N/A\", \"name_on_aadhaar\": \"N/A\", \"address_on_aadhaar\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Aadhaar card not found in uploaded documents\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.463606,
"end_time": "2025-07-16T07:24:43.782104",
"message_sent": true,
"start_time": "2025-07-16T07:24:43.318498",
"timestamp": "2025-07-16T07:24:43.782104",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"is_valid": false,
"last_updated": "N/A",
"name_on_aadhaar": "N/A",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"biometric_verified\": false, \"verification_score\": 0.0, \"last_updated\": \"N/A\", \"name_on_aadhaar\": \"N/A\", \"address_on_aadhaar\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Aadhaar card not found in uploaded documents\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_aadhaar",
"verification_score": 0.0
},
"verify_address_proof": {
"address_confirmed": "N/A",
"address_match": false,
"document_date": "N/A",
"document_found": false,
"document_type": "N/A",
"error": "Address proof document not found in uploaded documents",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"document_type\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"document_date\": \"N/A\", \"verification_score\": 0.0, \"address_confirmed\": \"N/A\", \"name_on_document\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Address proof document not found in uploaded documents\", \"total_address_documents\": 0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.478859,
"end_time": "2025-07-16T07:24:43.907554",
"message_sent": true,
"start_time": "2025-07-16T07:24:43.428695",
"timestamp": "2025-07-16T07:24:43.907554",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"is_valid": false,
"name_on_document": "N/A",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"document_type\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"document_date\": \"N/A\", \"verification_score\": 0.0, \"address_confirmed\": \"N/A\", \"name_on_document\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Address proof document not found in uploaded documents\", \"total_address_documents\": 0}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_address_proof",
"total_address_documents": 0,
"verification_score": 0.0
},
"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": 0.326489,
"end_time": "2025-07-16T07:24:49.012804",
"message_sent": true,
"start_time": "2025-07-16T07:24:48.686315",
"timestamp": "2025-07-16T07:24:49.012804",
"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": {
"document_found": false,
"error": "PAN card not found in uploaded documents",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"pan_number\": \"N/A\", \"is_valid\": false, \"name_match\": false, \"status\": \"not_found\", \"verification_score\": 0.0, \"verified_name\": \"N/A\", \"father_name\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"PAN card not found in uploaded documents\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.395957,
"end_time": "2025-07-16T07:24:43.657125",
"message_sent": true,
"start_time": "2025-07-16T07:24:43.261168",
"timestamp": "2025-07-16T07:24:43.657125",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"father_name": "N/A",
"is_valid": false,
"name_match": false,
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"pan_number\": \"N/A\", \"is_valid\": false, \"name_match\": false, \"status\": \"not_found\", \"verification_score\": 0.0, \"verified_name\": \"N/A\", \"father_name\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"PAN card not found in uploaded documents\"}\n",
"pan_number": "N/A",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_pan_card",
"verification_score": 0.0,
"verified_name": "N/A"
},
"verify_passport": {
"document_found": false,
"document_provided": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"passport_number\": \"N/A\", \"is_valid\": false, \"expiry_date\": \"N/A\", \"issuing_authority\": \"N/A\", \"verification_score\": 0.0, \"document_provided\": false, \"name_on_passport\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Passport not provided - optional document\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.256538,
"end_time": "2025-07-16T07:24:43.626633",
"message_sent": true,
"start_time": "2025-07-16T07:24:43.370095",
"timestamp": "2025-07-16T07:24:43.626633",
"worker_executed": true,
"workers_notified": true
},
"expiry_date": "N/A",
"extracted_from_ocr": false,
"is_valid": false,
"issuing_authority": "N/A",
"name_on_passport": "N/A",
"note": "Passport not provided - optional document",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"passport_number\": \"N/A\", \"is_valid\": false, \"expiry_date\": \"N/A\", \"issuing_authority\": \"N/A\", \"verification_score\": 0.0, \"document_provided\": false, \"name_on_passport\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Passport not provided - optional document\"}\n",
"passport_number": "N/A",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_passport",
"verification_score": 0.0
},
"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": 0.240902,
"end_time": "2025-07-16T07:24:48.621038",
"message_sent": true,
"start_time": "2025-07-16T07:24:48.380136",
"timestamp": "2025-07-16T07:24:48.621038",
"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": 0.001197,
"ended_at": "2025-07-16T07:25:20.248940",
"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\": 0.001197, \"started_at\": \"2025-07-16T07:25:20.247743\", \"ended_at\": \"2025-07-16T07:25:20.248940\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.19455,
"end_time": "2025-07-16T07:25:20.320636",
"message_sent": true,
"start_time": "2025-07-16T07:25:20.126086",
"timestamp": "2025-07-16T07:25:20.320636",
"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\": 0.001197, \"started_at\": \"2025-07-16T07:25:20.247743\", \"ended_at\": \"2025-07-16T07:25:20.248940\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-16T07:25:20.247743",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"upload_to_supabase": {
"bucket_name": "loan-approval",
"columns_count": 110,
"csv_structure": {
"column_count": 110,
"columns": [
"processing_timestamp",
"workflow_id",
"workflow_version",
"application_id",
"requested_amount",
"processing_date",
"workflow_status",
"customer_id",
"applicant_name",
"email",
"phone",
"address",
"employment_status",
"annual_income",
"loan_purpose",
"pan_number",
"pan_verified",
"pan_verification_score",
"pan_name_match",
"aadhaar_masked",
"aadhaar_verified",
"aadhaar_verification_score",
"aadhaar_address_match",
"passport_number",
"passport_verified",
"passport_verification_score",
"address_proof_type",
"address_proof_verified",
"address_proof_verification_score",
"total_uploaded_documents",
"total_processed_documents",
"documents_successfully_processed",
"average_ocr_confidence",
"document_types_found",
"ocr_extraction_successful",
"high_confidence_documents",
"low_confidence_documents",
"pan_card_ocr_extracted",
"pan_card_ocr_confidence",
"aadhaar_ocr_extracted",
"aadhaar_ocr_confidence",
"passport_ocr_extracted",
"passport_ocr_confidence",
"address_proof_ocr_extracted",
"address_proof_ocr_confidence",
"monthly_gross_salary",
"monthly_net_salary",
"annual_gross_income",
"annual_net_income",
"employer_name",
"employment_duration",
"salary_consistency",
"recent_increment",
"employment_confirmed",
"designation",
"employment_type",
"job_stability_score",
"average_monthly_credits",
"account_balance_trend",
"minimum_balance",
"maximum_balance",
"bounced_transactions",
"loan_emis_detected",
"financial_discipline_score",
"declared_tax_income",
"tax_paid",
"tax_compliance_score",
"debt_to_income_ratio",
"existing_debt_payments",
"proposed_emi",
"total_debt_payments",
"ratio_acceptable",
"cibil_score",
"credit_score_range",
"credit_history_length",
"total_accounts",
"active_accounts",
"credit_utilization",
"payment_history",
"recent_inquiries",
"internal_credit_score",
"score_acceptable",
"risk_category",
"total_outstanding_loans",
"number_of_existing_loans",
"total_monthly_emi",
"loan_burden_ratio",
"repayment_track_record",
"kyc_status",
"kyc_compliance_score",
"identity_verified",
"address_verified",
"income_verified",
"documents_complete",
"aml_status",
"aml_compliance_score",
"watchlist_check",
"pep_screening",
"sanctions_check",
"manual_review_required",
"rbi_guidelines_met",
"lending_norms_compliant",
"regulatory_compliance_score",
"internal_policy_compliance_score",
"final_decision",
"decision_confidence",
"overall_processing_status",
"processing_time_minutes",
"processed_by",
"processing_node"
],
"key_metrics": {
"aml_cleared": false,
"avg_ocr_confidence": 0.0,
"cibil_score": 0,
"credit_score": 0,
"documents_processed": 0,
"documents_uploaded": 0,
"kyc_compliant": false,
"ocr_successful": false,
"ratio_acceptable": false,
"risk_category": "unknown"
},
"row_count": 1
},
"data_summary": {
"applicant_name": "Unknown Applicant",
"application_id": "124142",
"average_ocr_confidence": 0.0,
"cibil_score": 0,
"debt_to_income_ratio": 0,
"final_decision": "PENDING",
"internal_credit_score": 0,
"ocr_extraction_successful": false,
"requested_amount": 10000.0,
"risk_category": "unknown",
"total_processed_documents": 0,
"total_uploaded_documents": 0
},
"execution_details": {
"actual_result": {
"output": "Error parsing previous node data: name \u0027UNRESOLVED_extract_application_info\u0027 is not defined\nGenerated CSV file: loan_underwriting_124142_20250716_072532.csv\nCSV content size: 2790 characters\nData rows: 1\nColumns: 110\nFile uploaded successfully to Supabase\nUpload completed successfully\nPublic URL: https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_124142_20250716_072532.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_124142_20250716_072532.csv\", \"file_size_bytes\": 2790, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_124142_20250716_072532.csv?\", \"upload_timestamp\": \"2025-07-16T07:25:33.554333\", \"records_uploaded\": 1, \"columns_count\": 110, \"data_summary\": {\"application_id\": \"124142\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 10000.0, \"internal_credit_score\": 0, \"debt_to_income_ratio\": 0, \"final_decision\": \"PENDING\", \"cibil_score\": 0, \"risk_category\": \"unknown\", \"total_uploaded_documents\": 0, \"total_processed_documents\": 0, \"average_ocr_confidence\": 0.0, \"ocr_extraction_successful\": false}, \"csv_structure\": {\"columns\": [\"processing_timestamp\", \"workflow_id\", \"workflow_version\", \"application_id\", \"requested_amount\", \"processing_date\", \"workflow_status\", \"customer_id\", \"applicant_name\", \"email\", \"phone\", \"address\", \"employment_status\", \"annual_income\", \"loan_purpose\", \"pan_number\", \"pan_verified\", \"pan_verification_score\", \"pan_name_match\", \"aadhaar_masked\", \"aadhaar_verified\", \"aadhaar_verification_score\", \"aadhaar_address_match\", \"passport_number\", \"passport_verified\", \"passport_verification_score\", \"address_proof_type\", \"address_proof_verified\", \"address_proof_verification_score\", \"total_uploaded_documents\", \"total_processed_documents\", \"documents_successfully_processed\", \"average_ocr_confidence\", \"document_types_found\", \"ocr_extraction_successful\", \"high_confidence_documents\", \"low_confidence_documents\", \"pan_card_ocr_extracted\", \"pan_card_ocr_confidence\", \"aadhaar_ocr_extracted\", \"aadhaar_ocr_confidence\", \"passport_ocr_extracted\", \"passport_ocr_confidence\", \"address_proof_ocr_extracted\", \"address_proof_ocr_confidence\", \"monthly_gross_salary\", \"monthly_net_salary\", \"annual_gross_income\", \"annual_net_income\", \"employer_name\", \"employment_duration\", \"salary_consistency\", \"recent_increment\", \"employment_confirmed\", \"designation\", \"employment_type\", \"job_stability_score\", \"average_monthly_credits\", \"account_balance_trend\", \"minimum_balance\", \"maximum_balance\", \"bounced_transactions\", \"loan_emis_detected\", \"financial_discipline_score\", \"declared_tax_income\", \"tax_paid\", \"tax_compliance_score\", \"debt_to_income_ratio\", \"existing_debt_payments\", \"proposed_emi\", \"total_debt_payments\", \"ratio_acceptable\", \"cibil_score\", \"credit_score_range\", \"credit_history_length\", \"total_accounts\", \"active_accounts\", \"credit_utilization\", \"payment_history\", \"recent_inquiries\", \"internal_credit_score\", \"score_acceptable\", \"risk_category\", \"total_outstanding_loans\", \"number_of_existing_loans\", \"total_monthly_emi\", \"loan_burden_ratio\", \"repayment_track_record\", \"kyc_status\", \"kyc_compliance_score\", \"identity_verified\", \"address_verified\", \"income_verified\", \"documents_complete\", \"aml_status\", \"aml_compliance_score\", \"watchlist_check\", \"pep_screening\", \"sanctions_check\", \"manual_review_required\", \"rbi_guidelines_met\", \"lending_norms_compliant\", \"regulatory_compliance_score\", \"internal_policy_compliance_score\", \"final_decision\", \"decision_confidence\", \"overall_processing_status\", \"processing_time_minutes\", \"processed_by\", \"processing_node\"], \"column_count\": 110, \"row_count\": 1, \"key_metrics\": {\"credit_score\": 0, \"cibil_score\": 0, \"risk_category\": \"unknown\", \"kyc_compliant\": false, \"aml_cleared\": false, \"ratio_acceptable\": false, \"documents_uploaded\": 0, \"documents_processed\": 0, \"ocr_successful\": false, \"avg_ocr_confidence\": 0.0}}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 2.638143,
"end_time": "2025-07-16T07:25:33.811515",
"message_sent": true,
"start_time": "2025-07-16T07:25:31.173372",
"timestamp": "2025-07-16T07:25:33.811515",
"worker_executed": true,
"workers_notified": true
},
"file_size_bytes": 2790,
"filename": "loan_underwriting_124142_20250716_072532.csv",
"output": "Error parsing previous node data: name \u0027UNRESOLVED_extract_application_info\u0027 is not defined\nGenerated CSV file: loan_underwriting_124142_20250716_072532.csv\nCSV content size: 2790 characters\nData rows: 1\nColumns: 110\nFile uploaded successfully to Supabase\nUpload completed successfully\nPublic URL: https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_124142_20250716_072532.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_124142_20250716_072532.csv\", \"file_size_bytes\": 2790, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_124142_20250716_072532.csv?\", \"upload_timestamp\": \"2025-07-16T07:25:33.554333\", \"records_uploaded\": 1, \"columns_count\": 110, \"data_summary\": {\"application_id\": \"124142\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 10000.0, \"internal_credit_score\": 0, \"debt_to_income_ratio\": 0, \"final_decision\": \"PENDING\", \"cibil_score\": 0, \"risk_category\": \"unknown\", \"total_uploaded_documents\": 0, \"total_processed_documents\": 0, \"average_ocr_confidence\": 0.0, \"ocr_extraction_successful\": false}, \"csv_structure\": {\"columns\": [\"processing_timestamp\", \"workflow_id\", \"workflow_version\", \"application_id\", \"requested_amount\", \"processing_date\", \"workflow_status\", \"customer_id\", \"applicant_name\", \"email\", \"phone\", \"address\", \"employment_status\", \"annual_income\", \"loan_purpose\", \"pan_number\", \"pan_verified\", \"pan_verification_score\", \"pan_name_match\", \"aadhaar_masked\", \"aadhaar_verified\", \"aadhaar_verification_score\", \"aadhaar_address_match\", \"passport_number\", \"passport_verified\", \"passport_verification_score\", \"address_proof_type\", \"address_proof_verified\", \"address_proof_verification_score\", \"total_uploaded_documents\", \"total_processed_documents\", \"documents_successfully_processed\", \"average_ocr_confidence\", \"document_types_found\", \"ocr_extraction_successful\", \"high_confidence_documents\", \"low_confidence_documents\", \"pan_card_ocr_extracted\", \"pan_card_ocr_confidence\", \"aadhaar_ocr_extracted\", \"aadhaar_ocr_confidence\", \"passport_ocr_extracted\", \"passport_ocr_confidence\", \"address_proof_ocr_extracted\", \"address_proof_ocr_confidence\", \"monthly_gross_salary\", \"monthly_net_salary\", \"annual_gross_income\", \"annual_net_income\", \"employer_name\", \"employment_duration\", \"salary_consistency\", \"recent_increment\", \"employment_confirmed\", \"designation\", \"employment_type\", \"job_stability_score\", \"average_monthly_credits\", \"account_balance_trend\", \"minimum_balance\", \"maximum_balance\", \"bounced_transactions\", \"loan_emis_detected\", \"financial_discipline_score\", \"declared_tax_income\", \"tax_paid\", \"tax_compliance_score\", \"debt_to_income_ratio\", \"existing_debt_payments\", \"proposed_emi\", \"total_debt_payments\", \"ratio_acceptable\", \"cibil_score\", \"credit_score_range\", \"credit_history_length\", \"total_accounts\", \"active_accounts\", \"credit_utilization\", \"payment_history\", \"recent_inquiries\", \"internal_credit_score\", \"score_acceptable\", \"risk_category\", \"total_outstanding_loans\", \"number_of_existing_loans\", \"total_monthly_emi\", \"loan_burden_ratio\", \"repayment_track_record\", \"kyc_status\", \"kyc_compliance_score\", \"identity_verified\", \"address_verified\", \"income_verified\", \"documents_complete\", \"aml_status\", \"aml_compliance_score\", \"watchlist_check\", \"pep_screening\", \"sanctions_check\", \"manual_review_required\", \"rbi_guidelines_met\", \"lending_norms_compliant\", \"regulatory_compliance_score\", \"internal_policy_compliance_score\", \"final_decision\", \"decision_confidence\", \"overall_processing_status\", \"processing_time_minutes\", \"processed_by\", \"processing_node\"], \"column_count\": 110, \"row_count\": 1, \"key_metrics\": {\"credit_score\": 0, \"cibil_score\": 0, \"risk_category\": \"unknown\", \"kyc_compliant\": false, \"aml_cleared\": false, \"ratio_acceptable\": false, \"documents_uploaded\": 0, \"documents_processed\": 0, \"ocr_successful\": false, \"avg_ocr_confidence\": 0.0}}}\n",
"public_url": "https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_124142_20250716_072532.csv?",
"records_uploaded": 1,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "upload_to_supabase",
"upload_status": "success",
"upload_timestamp": "2025-07-16T07:25:33.554333"
},
"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": 0.212394,
"end_time": "2025-07-16T07:24:38.657067",
"message_sent": true,
"start_time": "2025-07-16T07:24:38.444673",
"timestamp": "2025-07-16T07:24:38.657067",
"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": "N/A",
"address_match": false,
"address_on_aadhaar": "N/A",
"biometric_verified": false,
"date_of_birth": "N/A",
"document_found": false,
"error": "Aadhaar card not found in uploaded documents",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"biometric_verified\": false, \"verification_score\": 0.0, \"last_updated\": \"N/A\", \"name_on_aadhaar\": \"N/A\", \"address_on_aadhaar\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Aadhaar card not found in uploaded documents\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.463606,
"end_time": "2025-07-16T07:24:43.782104",
"message_sent": true,
"start_time": "2025-07-16T07:24:43.318498",
"timestamp": "2025-07-16T07:24:43.782104",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"is_valid": false,
"last_updated": "N/A",
"name_on_aadhaar": "N/A",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"biometric_verified\": false, \"verification_score\": 0.0, \"last_updated\": \"N/A\", \"name_on_aadhaar\": \"N/A\", \"address_on_aadhaar\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Aadhaar card not found in uploaded documents\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_aadhaar",
"verification_score": 0.0
},
"verify_address_proof": {
"address_confirmed": "N/A",
"address_match": false,
"document_date": "N/A",
"document_found": false,
"document_type": "N/A",
"error": "Address proof document not found in uploaded documents",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"document_type\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"document_date\": \"N/A\", \"verification_score\": 0.0, \"address_confirmed\": \"N/A\", \"name_on_document\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Address proof document not found in uploaded documents\", \"total_address_documents\": 0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.478859,
"end_time": "2025-07-16T07:24:43.907554",
"message_sent": true,
"start_time": "2025-07-16T07:24:43.428695",
"timestamp": "2025-07-16T07:24:43.907554",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"is_valid": false,
"name_on_document": "N/A",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"document_type\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"document_date\": \"N/A\", \"verification_score\": 0.0, \"address_confirmed\": \"N/A\", \"name_on_document\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Address proof document not found in uploaded documents\", \"total_address_documents\": 0}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_address_proof",
"total_address_documents": 0,
"verification_score": 0.0
},
"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": 0.326489,
"end_time": "2025-07-16T07:24:49.012804",
"message_sent": true,
"start_time": "2025-07-16T07:24:48.686315",
"timestamp": "2025-07-16T07:24:49.012804",
"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": {
"document_found": false,
"error": "PAN card not found in uploaded documents",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"pan_number\": \"N/A\", \"is_valid\": false, \"name_match\": false, \"status\": \"not_found\", \"verification_score\": 0.0, \"verified_name\": \"N/A\", \"father_name\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"PAN card not found in uploaded documents\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.395957,
"end_time": "2025-07-16T07:24:43.657125",
"message_sent": true,
"start_time": "2025-07-16T07:24:43.261168",
"timestamp": "2025-07-16T07:24:43.657125",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"father_name": "N/A",
"is_valid": false,
"name_match": false,
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"pan_number\": \"N/A\", \"is_valid\": false, \"name_match\": false, \"status\": \"not_found\", \"verification_score\": 0.0, \"verified_name\": \"N/A\", \"father_name\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"PAN card not found in uploaded documents\"}\n",
"pan_number": "N/A",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_pan_card",
"verification_score": 0.0,
"verified_name": "N/A"
},
"verify_passport": {
"document_found": false,
"document_provided": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"passport_number\": \"N/A\", \"is_valid\": false, \"expiry_date\": \"N/A\", \"issuing_authority\": \"N/A\", \"verification_score\": 0.0, \"document_provided\": false, \"name_on_passport\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Passport not provided - optional document\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.256538,
"end_time": "2025-07-16T07:24:43.626633",
"message_sent": true,
"start_time": "2025-07-16T07:24:43.370095",
"timestamp": "2025-07-16T07:24:43.626633",
"worker_executed": true,
"workers_notified": true
},
"expiry_date": "N/A",
"extracted_from_ocr": false,
"is_valid": false,
"issuing_authority": "N/A",
"name_on_passport": "N/A",
"note": "Passport not provided - optional document",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"passport_number\": \"N/A\", \"is_valid\": false, \"expiry_date\": \"N/A\", \"issuing_authority\": \"N/A\", \"verification_score\": 0.0, \"document_provided\": false, \"name_on_passport\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Passport not provided - optional document\"}\n",
"passport_number": "N/A",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_passport",
"verification_score": 0.0
},
"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": 0.240902,
"end_time": "2025-07-16T07:24:48.621038",
"message_sent": true,
"start_time": "2025-07-16T07:24:48.380136",
"timestamp": "2025-07-16T07:24:48.621038",
"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
}
}