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": 0.180756,
"end_time": "2025-07-16T07:33:17.988928",
"message_sent": true,
"start_time": "2025-07-16T07:33:17.808172",
"timestamp": "2025-07-16T07:33:17.988928",
"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": 0.429686,
"end_time": "2025-07-16T07:32:50.728412",
"message_sent": true,
"start_time": "2025-07-16T07:32:50.298726",
"timestamp": "2025-07-16T07:32:50.728412",
"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": 0.172258,
"end_time": "2025-07-16T07:33:03.521980",
"message_sent": true,
"start_time": "2025-07-16T07:33:03.349722",
"timestamp": "2025-07-16T07:33:03.521980",
"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": 0.345044,
"end_time": "2025-07-16T07:32:50.583410",
"message_sent": true,
"start_time": "2025-07-16T07:32:50.238366",
"timestamp": "2025-07-16T07:32:50.583410",
"worker_executed": true,
"workers_notified": true
},
"monthly_gross": 8500,
"monthly_net": 6800,
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"recent_increment": true,
"return_code": 0,
"salary_consistency": true,
"status": "completed",
"stderr": "",
"task_id": "analyze_salary_slips"
},
"application_quality_check": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 12313122,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or_inconsistencies\": {\n \"requested_amount\": {\n \"value\": 12313122,\n \"comment\": \"The requested loan amount is unusually high and may not align with the applicant\u0027s annual income.\"\n }\n },\n \"overall_application_quality_score\": 70\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 471,
"model": "gpt-4o-mini",
"output_length": 755,
"provider": "openai",
"system_message": "You are an expert loan underwriting analyst. Review the application data and assess its quality.\n\nEvaluate:\n1. Data completeness and accuracy\n2. Consistency of information\n3. Red flags or inconsistencies\n4. Overall application quality score (1-100)\n\nReturn a JSON response with your assessment.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 12313122,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or_inconsistencies\": {\n \"requested_amount\": {\n \"value\": 12313122,\n \"comment\": \"The requested loan amount is unusually high and may not align with the applicant\u0027s annual income.\"\n }\n },\n \"overall_application_quality_score\": 70\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 12313122,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"requested_amount\\\": {\\n \\\"value\\\": 12313122,\\n \\\"comment\\\": \\\"The requested loan amount is unusually high and may not align with the applicant\u0027s annual income.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 70\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 200, \"completion_tokens\": 213, \"total_tokens\": 413, \"estimated_cost\": {\"amount\": 0.000158, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": "",
"token_usage": {
"completion_tokens": 213,
"estimated_cost": {
"amount": 0.000158,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 200,
"provider": "openai",
"total_tokens": 413
}
},
"duration_seconds": 4.636703,
"end_time": "2025-07-16T07:32:41.215463",
"message_sent": true,
"start_time": "2025-07-16T07:32:36.578760",
"timestamp": "2025-07-16T07:32:41.215463",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 12313122,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or_inconsistencies\": {\n \"requested_amount\": {\n \"value\": 12313122,\n \"comment\": \"The requested loan amount is unusually high and may not align with the applicant\u0027s annual income.\"\n }\n },\n \"overall_application_quality_score\": 70\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 12313122,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"requested_amount\\\": {\\n \\\"value\\\": 12313122,\\n \\\"comment\\\": \\\"The requested loan amount is unusually high and may not align with the applicant\u0027s annual income.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 70\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 200, \"completion_tokens\": 213, \"total_tokens\": 413, \"estimated_cost\": {\"amount\": 0.000158, \"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": 213,
"estimated_cost": {
"amount": 0.000158,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 200,
"provider": "openai",
"total_tokens": 413
}
},
"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": 0.173395,
"end_time": "2025-07-16T07:33:03.723246",
"message_sent": true,
"start_time": "2025-07-16T07:33:03.549851",
"timestamp": "2025-07-16T07:33:03.723246",
"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": 0.186588,
"end_time": "2025-07-16T07:33:17.557428",
"message_sent": true,
"start_time": "2025-07-16T07:33:17.370840",
"timestamp": "2025-07-16T07:33:17.557428",
"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": 7.897746323529412,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 51304.675, \"total_debt_payments\": 53704.675, \"debt_to_income_ratio\": 7.897746323529412, \"ratio_acceptable\": false, \"max_allowed_ratio\": 0.4}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.194633,
"end_time": "2025-07-16T07:32:50.992229",
"message_sent": true,
"start_time": "2025-07-16T07:32:50.797596",
"timestamp": "2025-07-16T07:32:50.992229",
"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\": 51304.675, \"total_debt_payments\": 53704.675, \"debt_to_income_ratio\": 7.897746323529412, \"ratio_acceptable\": false, \"max_allowed_ratio\": 0.4}\n",
"proposed_emi": 51304.675,
"ratio_acceptable": false,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "calculate_debt_to_income",
"total_debt_payments": 53704.675
},
"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": 0.183312,
"end_time": "2025-07-16T07:33:03.322877",
"message_sent": true,
"start_time": "2025-07-16T07:33:03.139565",
"timestamp": "2025-07-16T07:33:03.322877",
"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 the consolidated compliance assessment:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"KYC\": {\n \"status\": \"Compliant\",\n \"risk_category\": \"Low\",\n \"compliance_score\": 98.5\n },\n \"AML\": {\n \"status\": \"Cleared\",\n \"risk_rating\": \"Low\",\n \"compliance_score\": 96.8\n },\n \"Regulatory\": {\n \"risk\": \"Minimal\",\n \"compliance_score\": 97.2\n },\n \"Internal Policy\": {\n \"compliance_score\": 95.5\n }\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations regularly.\",\n \"Maintain documentation and audit trails to ensure ongoing compliance.\",\n \"Review internal policies periodically to ensure they remain up-to-date with regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.0\n}\n```\n\n### Summary:\n- The overall compliance status is compliant with low risk across KYC, AML, regulatory, and internal policy checks.\n- No compliance gaps or concerns were identified.\n- Recommendations focus on maintaining compliance and reviewing policies regularly.\n- The compliance confidence score is high at 97.0, indicating strong adherence to compliance requirements.",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 1347,
"model": "gpt-4o-mini",
"output_length": 1291,
"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 the consolidated compliance assessment:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"KYC\": {\n \"status\": \"Compliant\",\n \"risk_category\": \"Low\",\n \"compliance_score\": 98.5\n },\n \"AML\": {\n \"status\": \"Cleared\",\n \"risk_rating\": \"Low\",\n \"compliance_score\": 96.8\n },\n \"Regulatory\": {\n \"risk\": \"Minimal\",\n \"compliance_score\": 97.2\n },\n \"Internal Policy\": {\n \"compliance_score\": 95.5\n }\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations regularly.\",\n \"Maintain documentation and audit trails to ensure ongoing compliance.\",\n \"Review internal policies periodically to ensure they remain up-to-date with regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.0\n}\n```\n\n### Summary:\n- The overall compliance status is compliant with low risk across KYC, AML, regulatory, and internal policy checks.\n- No compliance gaps or concerns were identified.\n- Recommendations focus on maintaining compliance and reviewing policies regularly.\n- The compliance confidence score is high at 97.0, indicating strong adherence to compliance requirements.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is the consolidated compliance assessment:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"KYC\\\": {\\n \\\"status\\\": \\\"Compliant\\\",\\n \\\"risk_category\\\": \\\"Low\\\",\\n \\\"compliance_score\\\": 98.5\\n },\\n \\\"AML\\\": {\\n \\\"status\\\": \\\"Cleared\\\",\\n \\\"risk_rating\\\": \\\"Low\\\",\\n \\\"compliance_score\\\": 96.8\\n },\\n \\\"Regulatory\\\": {\\n \\\"risk\\\": \\\"Minimal\\\",\\n \\\"compliance_score\\\": 97.2\\n },\\n \\\"Internal Policy\\\": {\\n \\\"compliance_score\\\": 95.5\\n }\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue to monitor compliance with KYC and AML regulations regularly.\\\",\\n \\\"Maintain documentation and audit trails to ensure ongoing compliance.\\\",\\n \\\"Review internal policies periodically to ensure they remain up-to-date with regulatory changes.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.0\\n}\\n```\\n\\n### Summary:\\n- The overall compliance status is compliant with low risk across KYC, AML, regulatory, and internal policy checks.\\n- No compliance gaps or concerns were identified.\\n- Recommendations focus on maintaining compliance and reviewing policies regularly.\\n- The compliance confidence score is high at 97.0, indicating strong adherence to compliance requirements.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2326, \"completion_tokens\": 302, \"total_tokens\": 2628, \"estimated_cost\": {\"amount\": 0.00053, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided compliance check results, here is the consolidated compliance assessment:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"KYC\": {\n \"status\": \"Compliant\",\n \"risk_category\": \"Low\",\n \"compliance_score\": 98.5\n },\n \"AML\": {\n \"status\": \"Cleared\",\n \"risk_rating\": \"Low\",\n \"compliance_score\": 96.8\n },\n \"Regulatory\": {\n \"risk\": \"Minimal\",\n \"compliance_score\": 97.2\n },\n \"Internal Policy\": {\n \"compliance_score\": 95.5\n }\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations regularly.\",\n \"Maintain documentation and audit trails to ensure ongoing compliance.\",\n \"Review internal policies periodically to ensure they remain up-to-date with regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.0\n}\n```\n\n### Summary:\n- The overall compliance status is compliant with low risk across KYC, AML, regulatory, and internal policy checks.\n- No compliance gaps or concerns were identified.\n- Recommendations focus on maintaining compliance and reviewing policies regularly.\n- The compliance confidence score is high at 97.0, indicating strong adherence to compliance requirements.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is the consolidated compliance assessment:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"KYC\\\": {\\n \\\"status\\\": \\\"Compliant\\\",\\n \\\"risk_category\\\": \\\"Low\\\",\\n \\\"compliance_score\\\": 98.5\\n },\\n \\\"AML\\\": {\\n \\\"status\\\": \\\"Cleared\\\",\\n \\\"risk_rating\\\": \\\"Low\\\",\\n \\\"compliance_score\\\": 96.8\\n },\\n \\\"Regulatory\\\": {\\n \\\"risk\\\": \\\"Minimal\\\",\\n \\\"compliance_score\\\": 97.2\\n },\\n \\\"Internal Policy\\\": {\\n \\\"compliance_score\\\": 95.5\\n }\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue to monitor compliance with KYC and AML regulations regularly.\\\",\\n \\\"Maintain documentation and audit trails to ensure ongoing compliance.\\\",\\n \\\"Review internal policies periodically to ensure they remain up-to-date with regulatory changes.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.0\\n}\\n```\\n\\n### Summary:\\n- The overall compliance status is compliant with low risk across KYC, AML, regulatory, and internal policy checks.\\n- No compliance gaps or concerns were identified.\\n- Recommendations focus on maintaining compliance and reviewing policies regularly.\\n- The compliance confidence score is high at 97.0, indicating strong adherence to compliance requirements.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2326, \"completion_tokens\": 302, \"total_tokens\": 2628, \"estimated_cost\": {\"amount\": 0.00053, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_verification_success_rate\": 0.0,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"is_valid\": false,\n \"name_match\": false,\n \"document_found\": false\n },\n \"aadhaar_verification\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n },\n \"passport_verification\": {\n \"is_valid\": false,\n \"document_found\": false\n },\n \"address_proof\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n }\n },\n \"risk_factors_identified\": [\n {\n \"document\": \"PAN\",\n \"issue\": \"PAN card not found in uploaded documents\"\n },\n {\n \"document\": \"Aadhaar\",\n \"issue\": \"Aadhaar card not found in uploaded documents\"\n },\n {\n \"document\": \"Passport\",\n \"issue\": \"Passport not provided - optional document\"\n },\n {\n \"document\": \"Address Proof\",\n \"issue\": \"Address proof document not found in uploaded documents\"\n }\n ],\n \"recommendation_for_proceeding\": \"Due to the absence of critical identification documents (PAN, Aadhaar, Address Proof), it is recommended to request the applicant to provide the necessary documents for verification. Proceeding without these documents poses a high risk of identity fraud and may lead to compliance issues.\"\n}\n```",
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"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 0.0,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"is_valid\": false,\n \"name_match\": false,\n \"document_found\": false\n },\n \"aadhaar_verification\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n },\n \"passport_verification\": {\n \"is_valid\": false,\n \"document_found\": false\n },\n \"address_proof\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n }\n },\n \"risk_factors_identified\": [\n {\n \"document\": \"PAN\",\n \"issue\": \"PAN card not found in uploaded documents\"\n },\n {\n \"document\": \"Aadhaar\",\n \"issue\": \"Aadhaar card not found in uploaded documents\"\n },\n {\n \"document\": \"Passport\",\n \"issue\": \"Passport not provided - optional document\"\n },\n {\n \"document\": \"Address Proof\",\n \"issue\": \"Address proof document not found in uploaded documents\"\n }\n ],\n \"recommendation_for_proceeding\": \"Due to the absence of critical identification documents (PAN, Aadhaar, Address Proof), it is recommended to request the applicant to provide the necessary documents for verification. Proceeding without these documents poses a high risk of identity fraud and may lead to compliance issues.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0.0,\\n \\\"consistency_across_documents\\\": {\\n \\\"pan_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"name_match\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"aadhaar_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"address_match\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"passport_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"address_proof\\\": {\\n \\\"is_valid\\\": false,\\n \\\"address_match\\\": false,\\n \\\"document_found\\\": false\\n }\\n },\\n \\\"risk_factors_identified\\\": [\\n {\\n \\\"document\\\": \\\"PAN\\\",\\n \\\"issue\\\": \\\"PAN card not found in uploaded documents\\\"\\n },\\n {\\n \\\"document\\\": \\\"Aadhaar\\\",\\n \\\"issue\\\": \\\"Aadhaar card not found in uploaded documents\\\"\\n },\\n {\\n \\\"document\\\": \\\"Passport\\\",\\n \\\"issue\\\": \\\"Passport not provided - optional document\\\"\\n },\\n {\\n \\\"document\\\": \\\"Address Proof\\\",\\n \\\"issue\\\": \\\"Address proof document not found in uploaded documents\\\"\\n }\\n ],\\n \\\"recommendation_for_proceeding\\\": \\\"Due to the absence of critical identification documents (PAN, Aadhaar, Address Proof), it is recommended to request the applicant to provide the necessary documents for verification. Proceeding without these documents poses a high risk of identity fraud and may lead to compliance issues.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 732, \"completion_tokens\": 317, \"total_tokens\": 1049, \"estimated_cost\": {\"amount\": 0.0003, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 0.0,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"is_valid\": false,\n \"name_match\": false,\n \"document_found\": false\n },\n \"aadhaar_verification\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n },\n \"passport_verification\": {\n \"is_valid\": false,\n \"document_found\": false\n },\n \"address_proof\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n }\n },\n \"risk_factors_identified\": [\n {\n \"document\": \"PAN\",\n \"issue\": \"PAN card not found in uploaded documents\"\n },\n {\n \"document\": \"Aadhaar\",\n \"issue\": \"Aadhaar card not found in uploaded documents\"\n },\n {\n \"document\": \"Passport\",\n \"issue\": \"Passport not provided - optional document\"\n },\n {\n \"document\": \"Address Proof\",\n \"issue\": \"Address proof document not found in uploaded documents\"\n }\n ],\n \"recommendation_for_proceeding\": \"Due to the absence of critical identification documents (PAN, Aadhaar, Address Proof), it is recommended to request the applicant to provide the necessary documents for verification. Proceeding without these documents poses a high risk of identity fraud and may lead to compliance issues.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0.0,\\n \\\"consistency_across_documents\\\": {\\n \\\"pan_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"name_match\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"aadhaar_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"address_match\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"passport_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"address_proof\\\": {\\n \\\"is_valid\\\": false,\\n \\\"address_match\\\": false,\\n \\\"document_found\\\": false\\n }\\n },\\n \\\"risk_factors_identified\\\": [\\n {\\n \\\"document\\\": \\\"PAN\\\",\\n \\\"issue\\\": \\\"PAN card not found in uploaded documents\\\"\\n },\\n {\\n \\\"document\\\": \\\"Aadhaar\\\",\\n \\\"issue\\\": \\\"Aadhaar card not found in uploaded documents\\\"\\n },\\n {\\n \\\"document\\\": \\\"Passport\\\",\\n \\\"issue\\\": \\\"Passport not provided - optional document\\\"\\n },\\n {\\n \\\"document\\\": \\\"Address Proof\\\",\\n \\\"issue\\\": \\\"Address proof document not found in uploaded documents\\\"\\n }\\n ],\\n \\\"recommendation_for_proceeding\\\": \\\"Due to the absence of critical identification documents (PAN, Aadhaar, Address Proof), it is recommended to request the applicant to provide the necessary documents for verification. Proceeding without these documents poses a high risk of identity fraud and may lead to compliance issues.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 732, \"completion_tokens\": 317, \"total_tokens\": 1049, \"estimated_cost\": {\"amount\": 0.0003, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"evaluate_default_risk": {
"agent_type": "assistant",
"ai_response": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A credit score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with a high percentage of on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is favorable).\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 that the applicant has a strong track record with no defaults and a high percentage of timely payments. However, the 30-day late payments (12.0%) could be a concern, but it is not alarming given the overall good score.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization is reasonable and indicates that the applicant is not overly reliant on credit, which is a positive sign for default risk.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 2 (Personal Loan: 45000, Auto Loan: 80000)\n\n**Analysis**: The loan burden ratio of 28% is below the acceptable threshold of 40%, indicating that the applicant has a manageable level of debt relative to their income.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income with a good repayment track record.\n- **Debt-to-Income Ratio**: The total monthly EMI is manageable compared to the applicant\u0027s income.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 10 points (Excellent)\n- **Credit Utilization**: 10 points (Acceptable)\n- **Repayment Patterns**: 15 points (Good, but some late payments)\n- **Loan Burden**: 5 points (Manageable)\n\n**Total Risk Score**: \n- Credit Score: 20\n- Payment History: 10\n- Credit Utilization: 10\n- Repayment Patterns: 15\n- Loan Burden: 5\n- **Overall Risk Score**: 60/100\n\n### Recommendations\n1. **Monitor Payment Patterns**: While the overall repayment behavior is good, the applicant should be encouraged to address the instances of late payments to maintain a strong credit profile.\n2. **Maintain Credit Utilization**: Continue to keep credit utilization below 40% to ensure a healthy credit score.\n3. **Consider Additional Loans Cautiously**: Given the existing loans, the applicant should be cautious about taking on additional debt until their financial situation stabilizes further.\n4. **Financial Counseling**: It may be beneficial for the applicant to seek financial counseling to improve their payment habits and manage their debts effectively.\n\n### Conclusion\nThe applicant presents a moderate risk of default with a score of 60 out of 100. While they have a good credit score and repayment history, attention should be given to the instances of late payments and overall debt management.",
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"system_message": "You are a credit risk assessment specialist. Analyze the provided credit data and calculate default risk.\n\nConsider:\n1. Credit score and history\n2. Repayment patterns\n3. Credit utilization\n4. Existing loan burden\n5. Overall risk profile\n\nProvide a risk score (1-100, where 100 is highest risk) and detailed risk analysis.\n"
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A credit score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with a high percentage of on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is favorable).\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 that the applicant has a strong track record with no defaults and a high percentage of timely payments. However, the 30-day late payments (12.0%) could be a concern, but it is not alarming given the overall good score.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization is reasonable and indicates that the applicant is not overly reliant on credit, which is a positive sign for default risk.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 2 (Personal Loan: 45000, Auto Loan: 80000)\n\n**Analysis**: The loan burden ratio of 28% is below the acceptable threshold of 40%, indicating that the applicant has a manageable level of debt relative to their income.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income with a good repayment track record.\n- **Debt-to-Income Ratio**: The total monthly EMI is manageable compared to the applicant\u0027s income.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 10 points (Excellent)\n- **Credit Utilization**: 10 points (Acceptable)\n- **Repayment Patterns**: 15 points (Good, but some late payments)\n- **Loan Burden**: 5 points (Manageable)\n\n**Total Risk Score**: \n- Credit Score: 20\n- Payment History: 10\n- Credit Utilization: 10\n- Repayment Patterns: 15\n- Loan Burden: 5\n- **Overall Risk Score**: 60/100\n\n### Recommendations\n1. **Monitor Payment Patterns**: While the overall repayment behavior is good, the applicant should be encouraged to address the instances of late payments to maintain a strong credit profile.\n2. **Maintain Credit Utilization**: Continue to keep credit utilization below 40% to ensure a healthy credit score.\n3. **Consider Additional Loans Cautiously**: Given the existing loans, the applicant should be cautious about taking on additional debt until their financial situation stabilizes further.\n4. **Financial Counseling**: It may be beneficial for the applicant to seek financial counseling to improve their payment habits and manage their debts effectively.\n\n### Conclusion\nThe applicant presents a moderate risk of default with a score of 60 out of 100. While they have a good credit score and repayment history, attention should be given to the instances of late payments and overall debt management.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A credit score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with a high percentage of on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is favorable).\\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 that the applicant has a strong track record with no defaults and a high percentage of timely payments. However, the 30-day late payments (12.0%) could be a concern, but it is not alarming given the overall good score.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: The credit utilization is reasonable and indicates that the applicant is not overly reliant on credit, which is a positive sign for default risk.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: 2 (Personal Loan: 45000, Auto Loan: 80000)\\n\\n**Analysis**: The loan burden ratio of 28% is below the acceptable threshold of 40%, indicating that the applicant has a manageable level of debt relative to their income.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The applicant has a stable income with a good repayment track record.\\n- **Debt-to-Income Ratio**: The total monthly EMI is manageable compared to the applicant\u0027s income.\\n\\n### Risk Score Calculation\\nConsidering all the factors above, we can assign a risk score based on the following criteria:\\n- **Credit Score**: 20 points (Good)\\n- **Payment History**: 10 points (Excellent)\\n- **Credit Utilization**: 10 points (Acceptable)\\n- **Repayment Patterns**: 15 points (Good, but some late payments)\\n- **Loan Burden**: 5 points (Manageable)\\n\\n**Total Risk Score**: \\n- Credit Score: 20\\n- Payment History: 10\\n- Credit Utilization: 10\\n- Repayment Patterns: 15\\n- Loan Burden: 5\\n- **Overall Risk Score**: 60/100\\n\\n### Recommendations\\n1. **Monitor Payment Patterns**: While the overall repayment behavior is good, the applicant should be encouraged to address the instances of late payments to maintain a strong credit profile.\\n2. **Maintain Credit Utilization**: Continue to keep credit utilization below 40% to ensure a healthy credit score.\\n3. **Consider Additional Loans Cautiously**: Given the existing loans, the applicant should be cautious about taking on additional debt until their financial situation stabilizes further.\\n4. **Financial Counseling**: It may be beneficial for the applicant to seek financial counseling to improve their payment habits and manage their debts effectively.\\n\\n### Conclusion\\nThe applicant presents a moderate risk of default with a score of 60 out of 100. While they have a good credit score and repayment history, attention should be given to the instances of late payments and overall debt management.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1559, \"completion_tokens\": 790, \"total_tokens\": 2349, \"estimated_cost\": {\"amount\": 0.000708, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A credit score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with a high percentage of on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is favorable).\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 that the applicant has a strong track record with no defaults and a high percentage of timely payments. However, the 30-day late payments (12.0%) could be a concern, but it is not alarming given the overall good score.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization is reasonable and indicates that the applicant is not overly reliant on credit, which is a positive sign for default risk.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 2 (Personal Loan: 45000, Auto Loan: 80000)\n\n**Analysis**: The loan burden ratio of 28% is below the acceptable threshold of 40%, indicating that the applicant has a manageable level of debt relative to their income.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income with a good repayment track record.\n- **Debt-to-Income Ratio**: The total monthly EMI is manageable compared to the applicant\u0027s income.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 10 points (Excellent)\n- **Credit Utilization**: 10 points (Acceptable)\n- **Repayment Patterns**: 15 points (Good, but some late payments)\n- **Loan Burden**: 5 points (Manageable)\n\n**Total Risk Score**: \n- Credit Score: 20\n- Payment History: 10\n- Credit Utilization: 10\n- Repayment Patterns: 15\n- Loan Burden: 5\n- **Overall Risk Score**: 60/100\n\n### Recommendations\n1. **Monitor Payment Patterns**: While the overall repayment behavior is good, the applicant should be encouraged to address the instances of late payments to maintain a strong credit profile.\n2. **Maintain Credit Utilization**: Continue to keep credit utilization below 40% to ensure a healthy credit score.\n3. **Consider Additional Loans Cautiously**: Given the existing loans, the applicant should be cautious about taking on additional debt until their financial situation stabilizes further.\n4. **Financial Counseling**: It may be beneficial for the applicant to seek financial counseling to improve their payment habits and manage their debts effectively.\n\n### Conclusion\nThe applicant presents a moderate risk of default with a score of 60 out of 100. While they have a good credit score and repayment history, attention should be given to the instances of late payments and overall debt management.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A credit score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with a high percentage of on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is favorable).\\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 that the applicant has a strong track record with no defaults and a high percentage of timely payments. However, the 30-day late payments (12.0%) could be a concern, but it is not alarming given the overall good score.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: The credit utilization is reasonable and indicates that the applicant is not overly reliant on credit, which is a positive sign for default risk.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: 2 (Personal Loan: 45000, Auto Loan: 80000)\\n\\n**Analysis**: The loan burden ratio of 28% is below the acceptable threshold of 40%, indicating that the applicant has a manageable level of debt relative to their income.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The applicant has a stable income with a good repayment track record.\\n- **Debt-to-Income Ratio**: The total monthly EMI is manageable compared to the applicant\u0027s income.\\n\\n### Risk Score Calculation\\nConsidering all the factors above, we can assign a risk score based on the following criteria:\\n- **Credit Score**: 20 points (Good)\\n- **Payment History**: 10 points (Excellent)\\n- **Credit Utilization**: 10 points (Acceptable)\\n- **Repayment Patterns**: 15 points (Good, but some late payments)\\n- **Loan Burden**: 5 points (Manageable)\\n\\n**Total Risk Score**: \\n- Credit Score: 20\\n- Payment History: 10\\n- Credit Utilization: 10\\n- Repayment Patterns: 15\\n- Loan Burden: 5\\n- **Overall Risk Score**: 60/100\\n\\n### Recommendations\\n1. **Monitor Payment Patterns**: While the overall repayment behavior is good, the applicant should be encouraged to address the instances of late payments to maintain a strong credit profile.\\n2. **Maintain Credit Utilization**: Continue to keep credit utilization below 40% to ensure a healthy credit score.\\n3. **Consider Additional Loans Cautiously**: Given the existing loans, the applicant should be cautious about taking on additional debt until their financial situation stabilizes further.\\n4. **Financial Counseling**: It may be beneficial for the applicant to seek financial counseling to improve their payment habits and manage their debts effectively.\\n\\n### Conclusion\\nThe applicant presents a moderate risk of default with a score of 60 out of 100. While they have a good credit score and repayment history, attention should be given to the instances of late payments and overall debt management.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1559, \"completion_tokens\": 790, \"total_tokens\": 2349, \"estimated_cost\": {\"amount\": 0.000708, \"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": 12313122
},
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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\": 12313122}, \"missing_fields\": []}\n",
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"missing_fields": [],
"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\": 12313122}, \"missing_fields\": []}\n",
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"final_underwriting_analysis": {
"agent_type": "assistant",
"ai_response": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $12,313,122 (not approved)\n- **Proposed EMI**: Not applicable\n- **Loan Purpose**: Home Purchase (not approved)\n\n#### Risk Mitigation Measures:\n1. **Request Additional Documentation**: The applicant should be asked to provide the missing identification documents (PAN, Aadhaar, Address Proof) to verify their identity and address.\n2. **Encourage Debt Reduction**: The applicant should be advised to reduce their existing debt obligations to improve their debt-to-income ratio before reapplying.\n3. **Financial Counseling**: Recommend that the applicant seek financial counseling to better manage their debts and improve their financial health.\n\n#### Reasoning for Decision:\n1. **High Requested Loan Amount**: The requested loan amount of $12,313,122 is significantly disproportionate to the applicant\u0027s annual income of $75,000. This raises concerns about the applicant\u0027s ability to repay such a large loan.\n \n2. **Document Verification Issues**: The applicant failed to provide critical identification documents (PAN, Aadhaar, Address Proof), which are essential for verifying identity and compliance. The absence of these documents poses a high risk of identity fraud and compliance issues.\n\n3. **Debt-to-Income Ratio**: The applicant\u0027s debt-to-income ratio is 7.90, which is far above the acceptable limit of 0.4 (40%). This indicates a severe risk of default, as the applicant\u0027s monthly debt payments exceed their monthly net income.\n\n4. **Income Stability and Financial Discipline**: While the applicant has a stable income and a good credit score (720), the overall financial discipline is undermined by the high debt-to-income ratio and existing debt obligations. The financial discipline score is also moderate, indicating potential issues in managing finances.\n\n5. **Compliance Status**: Although the compliance checks for KYC and AML are satisfactory, the lack of necessary documentation means that the application cannot be fully compliant.\n\n#### Confidence Level: 85\n- The decision is made with a high level of confidence (85) based on the significant risks identified in the application, particularly regarding the requested loan amount, missing documentation, and the applicant\u0027s financial situation. \n\nIn summary, the combination of a disproportionately high loan request, missing critical documentation, and an unacceptable debt-to-income ratio leads to the recommendation to decline the loan application.",
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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"
},
"input_format": "json",
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"output": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $12,313,122 (not approved)\n- **Proposed EMI**: Not applicable\n- **Loan Purpose**: Home Purchase (not approved)\n\n#### Risk Mitigation Measures:\n1. **Request Additional Documentation**: The applicant should be asked to provide the missing identification documents (PAN, Aadhaar, Address Proof) to verify their identity and address.\n2. **Encourage Debt Reduction**: The applicant should be advised to reduce their existing debt obligations to improve their debt-to-income ratio before reapplying.\n3. **Financial Counseling**: Recommend that the applicant seek financial counseling to better manage their debts and improve their financial health.\n\n#### Reasoning for Decision:\n1. **High Requested Loan Amount**: The requested loan amount of $12,313,122 is significantly disproportionate to the applicant\u0027s annual income of $75,000. This raises concerns about the applicant\u0027s ability to repay such a large loan.\n \n2. **Document Verification Issues**: The applicant failed to provide critical identification documents (PAN, Aadhaar, Address Proof), which are essential for verifying identity and compliance. The absence of these documents poses a high risk of identity fraud and compliance issues.\n\n3. **Debt-to-Income Ratio**: The applicant\u0027s debt-to-income ratio is 7.90, which is far above the acceptable limit of 0.4 (40%). This indicates a severe risk of default, as the applicant\u0027s monthly debt payments exceed their monthly net income.\n\n4. **Income Stability and Financial Discipline**: While the applicant has a stable income and a good credit score (720), the overall financial discipline is undermined by the high debt-to-income ratio and existing debt obligations. The financial discipline score is also moderate, indicating potential issues in managing finances.\n\n5. **Compliance Status**: Although the compliance checks for KYC and AML are satisfactory, the lack of necessary documentation means that the application cannot be fully compliant.\n\n#### Confidence Level: 85\n- The decision is made with a high level of confidence (85) based on the significant risks identified in the application, particularly regarding the requested loan amount, missing documentation, and the applicant\u0027s financial situation. \n\nIn summary, the combination of a disproportionately high loan request, missing critical documentation, and an unacceptable debt-to-income ratio leads to the recommendation to decline the loan application.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Requested Loan Amount**: $12,313,122 (not approved)\\n- **Proposed EMI**: Not applicable\\n- **Loan Purpose**: Home Purchase (not approved)\\n\\n#### Risk Mitigation Measures:\\n1. **Request Additional Documentation**: The applicant should be asked to provide the missing identification documents (PAN, Aadhaar, Address Proof) to verify their identity and address.\\n2. **Encourage Debt Reduction**: The applicant should be advised to reduce their existing debt obligations to improve their debt-to-income ratio before reapplying.\\n3. **Financial Counseling**: Recommend that the applicant seek financial counseling to better manage their debts and improve their financial health.\\n\\n#### Reasoning for Decision:\\n1. **High Requested Loan Amount**: The requested loan amount of $12,313,122 is significantly disproportionate to the applicant\u0027s annual income of $75,000. This raises concerns about the applicant\u0027s ability to repay such a large loan.\\n \\n2. **Document Verification Issues**: The applicant failed to provide critical identification documents (PAN, Aadhaar, Address Proof), which are essential for verifying identity and compliance. The absence of these documents poses a high risk of identity fraud and compliance issues.\\n\\n3. **Debt-to-Income Ratio**: The applicant\u0027s debt-to-income ratio is 7.90, which is far above the acceptable limit of 0.4 (40%). This indicates a severe risk of default, as the applicant\u0027s monthly debt payments exceed their monthly net income.\\n\\n4. **Income Stability and Financial Discipline**: While the applicant has a stable income and a good credit score (720), the overall financial discipline is undermined by the high debt-to-income ratio and existing debt obligations. The financial discipline score is also moderate, indicating potential issues in managing finances.\\n\\n5. **Compliance Status**: Although the compliance checks for KYC and AML are satisfactory, the lack of necessary documentation means that the application cannot be fully compliant.\\n\\n#### Confidence Level: 85\\n- The decision is made with a high level of confidence (85) based on the significant risks identified in the application, particularly regarding the requested loan amount, missing documentation, and the applicant\u0027s financial situation. \\n\\nIn summary, the combination of a disproportionately high loan request, missing critical documentation, and an unacceptable debt-to-income ratio leads to the recommendation to decline the loan application.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5431, \"completion_tokens\": 491, \"total_tokens\": 5922, \"estimated_cost\": {\"amount\": 0.001109, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $12,313,122 (not approved)\n- **Proposed EMI**: Not applicable\n- **Loan Purpose**: Home Purchase (not approved)\n\n#### Risk Mitigation Measures:\n1. **Request Additional Documentation**: The applicant should be asked to provide the missing identification documents (PAN, Aadhaar, Address Proof) to verify their identity and address.\n2. **Encourage Debt Reduction**: The applicant should be advised to reduce their existing debt obligations to improve their debt-to-income ratio before reapplying.\n3. **Financial Counseling**: Recommend that the applicant seek financial counseling to better manage their debts and improve their financial health.\n\n#### Reasoning for Decision:\n1. **High Requested Loan Amount**: The requested loan amount of $12,313,122 is significantly disproportionate to the applicant\u0027s annual income of $75,000. This raises concerns about the applicant\u0027s ability to repay such a large loan.\n \n2. **Document Verification Issues**: The applicant failed to provide critical identification documents (PAN, Aadhaar, Address Proof), which are essential for verifying identity and compliance. The absence of these documents poses a high risk of identity fraud and compliance issues.\n\n3. **Debt-to-Income Ratio**: The applicant\u0027s debt-to-income ratio is 7.90, which is far above the acceptable limit of 0.4 (40%). This indicates a severe risk of default, as the applicant\u0027s monthly debt payments exceed their monthly net income.\n\n4. **Income Stability and Financial Discipline**: While the applicant has a stable income and a good credit score (720), the overall financial discipline is undermined by the high debt-to-income ratio and existing debt obligations. The financial discipline score is also moderate, indicating potential issues in managing finances.\n\n5. **Compliance Status**: Although the compliance checks for KYC and AML are satisfactory, the lack of necessary documentation means that the application cannot be fully compliant.\n\n#### Confidence Level: 85\n- The decision is made with a high level of confidence (85) based on the significant risks identified in the application, particularly regarding the requested loan amount, missing documentation, and the applicant\u0027s financial situation. \n\nIn summary, the combination of a disproportionately high loan request, missing critical documentation, and an unacceptable debt-to-income ratio leads to the recommendation to decline the loan application.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Requested Loan Amount**: $12,313,122 (not approved)\\n- **Proposed EMI**: Not applicable\\n- **Loan Purpose**: Home Purchase (not approved)\\n\\n#### Risk Mitigation Measures:\\n1. **Request Additional Documentation**: The applicant should be asked to provide the missing identification documents (PAN, Aadhaar, Address Proof) to verify their identity and address.\\n2. **Encourage Debt Reduction**: The applicant should be advised to reduce their existing debt obligations to improve their debt-to-income ratio before reapplying.\\n3. **Financial Counseling**: Recommend that the applicant seek financial counseling to better manage their debts and improve their financial health.\\n\\n#### Reasoning for Decision:\\n1. **High Requested Loan Amount**: The requested loan amount of $12,313,122 is significantly disproportionate to the applicant\u0027s annual income of $75,000. This raises concerns about the applicant\u0027s ability to repay such a large loan.\\n \\n2. **Document Verification Issues**: The applicant failed to provide critical identification documents (PAN, Aadhaar, Address Proof), which are essential for verifying identity and compliance. The absence of these documents poses a high risk of identity fraud and compliance issues.\\n\\n3. **Debt-to-Income Ratio**: The applicant\u0027s debt-to-income ratio is 7.90, which is far above the acceptable limit of 0.4 (40%). This indicates a severe risk of default, as the applicant\u0027s monthly debt payments exceed their monthly net income.\\n\\n4. **Income Stability and Financial Discipline**: While the applicant has a stable income and a good credit score (720), the overall financial discipline is undermined by the high debt-to-income ratio and existing debt obligations. The financial discipline score is also moderate, indicating potential issues in managing finances.\\n\\n5. **Compliance Status**: Although the compliance checks for KYC and AML are satisfactory, the lack of necessary documentation means that the application cannot be fully compliant.\\n\\n#### Confidence Level: 85\\n- The decision is made with a high level of confidence (85) based on the significant risks identified in the application, particularly regarding the requested loan amount, missing documentation, and the applicant\u0027s financial situation. \\n\\nIn summary, the combination of a disproportionately high loan request, missing critical documentation, and an unacceptable debt-to-income ratio leads to the recommendation to decline the loan application.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5431, \"completion_tokens\": 491, \"total_tokens\": 5922, \"estimated_cost\": {\"amount\": 0.001109, \"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": {
"actual_result": {
"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 12313122, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 55922.1, \"processing_fee\": 147757.464, \"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": 12313122,
"monthly_emi": 55922.1,
"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\": 12313122, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 55922.1, \"processing_fee\": 147757.464, \"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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},
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"credit_score": 337.9,
"debt_to_income_ratio": 7.897746323529412,
"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 \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"income_growth_trend\": \"positive\",\n \"overall_stability_score\": 85\n },\n \"debt_servicing_capability\": {\n \"monthly_debt_payments\": 53704.675,\n \"proposed_emi\": 51304.675,\n \"debt_to_income_ratio\": 7.90,\n \"acceptable_ratio\": false,\n \"max_allowed_ratio\": 0.4,\n \"debt_servicing_score\": 20,\n \"recommendation\": \"The debt-to-income ratio is significantly above the acceptable limit, indicating a high risk of default.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"salary_credits_consistent\": true,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true\n },\n \"overall_financial_discipline_score\": 88\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n {\n \"factor\": \"High debt-to-income ratio\",\n \"comment\": \"The applicant\u0027s debt-to-income ratio is excessively high, which poses a significant risk for loan repayment.\"\n },\n {\n \"factor\": \"Loan EMIs detected\",\n \"comment\": \"Existing loan EMIs may impact the applicant\u0027s ability to service additional debt.\"\n }\n ],\n \"recommendations\": [\n \"Consider reducing the proposed loan amount to align with the applicant\u0027s income and debt servicing capability.\",\n \"Encourage the applicant to pay down existing debts to improve their debt-to-income ratio.\",\n \"Request additional financial documentation to further assess the applicant\u0027s financial health.\"\n ]\n },\n \"overall_income_adequacy_score\": 55\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 \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"income_growth_trend\": \"positive\",\n \"overall_stability_score\": 85\n },\n \"debt_servicing_capability\": {\n \"monthly_debt_payments\": 53704.675,\n \"proposed_emi\": 51304.675,\n \"debt_to_income_ratio\": 7.90,\n \"acceptable_ratio\": false,\n \"max_allowed_ratio\": 0.4,\n \"debt_servicing_score\": 20,\n \"recommendation\": \"The debt-to-income ratio is significantly above the acceptable limit, indicating a high risk of default.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"salary_credits_consistent\": true,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true\n },\n \"overall_financial_discipline_score\": 88\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n {\n \"factor\": \"High debt-to-income ratio\",\n \"comment\": \"The applicant\u0027s debt-to-income ratio is excessively high, which poses a significant risk for loan repayment.\"\n },\n {\n \"factor\": \"Loan EMIs detected\",\n \"comment\": \"Existing loan EMIs may impact the applicant\u0027s ability to service additional debt.\"\n }\n ],\n \"recommendations\": [\n \"Consider reducing the proposed loan amount to align with the applicant\u0027s income and debt servicing capability.\",\n \"Encourage the applicant to pay down existing debts to improve their debt-to-income ratio.\",\n \"Request additional financial documentation to further assess the applicant\u0027s financial health.\"\n ]\n },\n \"overall_income_adequacy_score\": 55\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"income_growth_trend\\\": \\\"positive\\\",\\n \\\"overall_stability_score\\\": 85\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_debt_payments\\\": 53704.675,\\n \\\"proposed_emi\\\": 51304.675,\\n \\\"debt_to_income_ratio\\\": 7.90,\\n \\\"acceptable_ratio\\\": false,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"debt_servicing_score\\\": 20,\\n \\\"recommendation\\\": \\\"The debt-to-income ratio is significantly above the acceptable limit, indicating a high risk of default.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"salary_credits_consistent\\\": true,\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"tax_returns\\\": {\\n \\\"tax_paid\\\": 12000,\\n \\\"declared_income\\\": 98000,\\n \\\"discrepancies_found\\\": false,\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"returns_filed_consistently\\\": true\\n },\\n \\\"overall_financial_discipline_score\\\": 88\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [\\n {\\n \\\"factor\\\": \\\"High debt-to-income ratio\\\",\\n \\\"comment\\\": \\\"The applicant\u0027s debt-to-income ratio is excessively high, which poses a significant risk for loan repayment.\\\"\\n },\\n {\\n \\\"factor\\\": \\\"Loan EMIs detected\\\",\\n \\\"comment\\\": \\\"Existing loan EMIs may impact the applicant\u0027s ability to service additional debt.\\\"\\n }\\n ],\\n \\\"recommendations\\\": [\\n \\\"Consider reducing the proposed loan amount to align with the applicant\u0027s income and debt servicing capability.\\\",\\n \\\"Encourage the applicant to pay down existing debts to improve their debt-to-income ratio.\\\",\\n \\\"Request additional financial documentation to further assess the applicant\u0027s financial health.\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": 55\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1069, \"completion_tokens\": 532, \"total_tokens\": 1601, \"estimated_cost\": {\"amount\": 0.00048, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"income_growth_trend\": \"positive\",\n \"overall_stability_score\": 85\n },\n \"debt_servicing_capability\": {\n \"monthly_debt_payments\": 53704.675,\n \"proposed_emi\": 51304.675,\n \"debt_to_income_ratio\": 7.90,\n \"acceptable_ratio\": false,\n \"max_allowed_ratio\": 0.4,\n \"debt_servicing_score\": 20,\n \"recommendation\": \"The debt-to-income ratio is significantly above the acceptable limit, indicating a high risk of default.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"salary_credits_consistent\": true,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true\n },\n \"overall_financial_discipline_score\": 88\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n {\n \"factor\": \"High debt-to-income ratio\",\n \"comment\": \"The applicant\u0027s debt-to-income ratio is excessively high, which poses a significant risk for loan repayment.\"\n },\n {\n \"factor\": \"Loan EMIs detected\",\n \"comment\": \"Existing loan EMIs may impact the applicant\u0027s ability to service additional debt.\"\n }\n ],\n \"recommendations\": [\n \"Consider reducing the proposed loan amount to align with the applicant\u0027s income and debt servicing capability.\",\n \"Encourage the applicant to pay down existing debts to improve their debt-to-income ratio.\",\n \"Request additional financial documentation to further assess the applicant\u0027s financial health.\"\n ]\n },\n \"overall_income_adequacy_score\": 55\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"income_growth_trend\\\": \\\"positive\\\",\\n \\\"overall_stability_score\\\": 85\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_debt_payments\\\": 53704.675,\\n \\\"proposed_emi\\\": 51304.675,\\n \\\"debt_to_income_ratio\\\": 7.90,\\n \\\"acceptable_ratio\\\": false,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"debt_servicing_score\\\": 20,\\n \\\"recommendation\\\": \\\"The debt-to-income ratio is significantly above the acceptable limit, indicating a high risk of default.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"salary_credits_consistent\\\": true,\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"tax_returns\\\": {\\n \\\"tax_paid\\\": 12000,\\n \\\"declared_income\\\": 98000,\\n \\\"discrepancies_found\\\": false,\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"returns_filed_consistently\\\": true\\n },\\n \\\"overall_financial_discipline_score\\\": 88\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [\\n {\\n \\\"factor\\\": \\\"High debt-to-income ratio\\\",\\n \\\"comment\\\": \\\"The applicant\u0027s debt-to-income ratio is excessively high, which poses a significant risk for loan repayment.\\\"\\n },\\n {\\n \\\"factor\\\": \\\"Loan EMIs detected\\\",\\n \\\"comment\\\": \\\"Existing loan EMIs may impact the applicant\u0027s ability to service additional debt.\\\"\\n }\\n ],\\n \\\"recommendations\\\": [\\n \\\"Consider reducing the proposed loan amount to align with the applicant\u0027s income and debt servicing capability.\\\",\\n \\\"Encourage the applicant to pay down existing debts to improve their debt-to-income ratio.\\\",\\n \\\"Request additional financial documentation to further assess the applicant\u0027s financial health.\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": 55\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1069, \"completion_tokens\": 532, \"total_tokens\": 1601, \"estimated_cost\": {\"amount\": 0.00048, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"credit_score_threshold_met": true,
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"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
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"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
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"output": "__OUTPUTS__ {\"kyc_status\": \"compliant\", \"identity_verified\": true, \"address_verified\": true, \"income_verified\": true, \"documents_complete\": true, \"risk_category\": \"low\", \"compliance_score\": 98.5, \"last_updated\": \"2024-07-15\", \"regulatory_requirements_met\": true}\n",
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"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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"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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"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": 0.345044,
"end_time": "2025-07-16T07:32:50.583410",
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"start_time": "2025-07-16T07:32:50.238366",
"timestamp": "2025-07-16T07:32:50.583410",
"worker_executed": true,
"workers_notified": true
},
"monthly_gross": 8500,
"monthly_net": 6800,
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"recent_increment": true,
"return_code": 0,
"salary_consistency": true,
"status": "completed",
"stderr": "",
"task_id": "analyze_salary_slips"
},
"application_quality_check": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 12313122,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or_inconsistencies\": {\n \"requested_amount\": {\n \"value\": 12313122,\n \"comment\": \"The requested loan amount is unusually high and may not align with the applicant\u0027s annual income.\"\n }\n },\n \"overall_application_quality_score\": 70\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
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"agent_type": "assistant",
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"model": "gpt-4o-mini",
"output_length": 755,
"provider": "openai",
"system_message": "You are an expert loan underwriting analyst. Review the application data and assess its quality.\n\nEvaluate:\n1. Data completeness and accuracy\n2. Consistency of information\n3. Red flags or inconsistencies\n4. Overall application quality score (1-100)\n\nReturn a JSON response with your assessment.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 12313122,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or_inconsistencies\": {\n \"requested_amount\": {\n \"value\": 12313122,\n \"comment\": \"The requested loan amount is unusually high and may not align with the applicant\u0027s annual income.\"\n }\n },\n \"overall_application_quality_score\": 70\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 12313122,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"requested_amount\\\": {\\n \\\"value\\\": 12313122,\\n \\\"comment\\\": \\\"The requested loan amount is unusually high and may not align with the applicant\u0027s annual income.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 70\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 200, \"completion_tokens\": 213, \"total_tokens\": 413, \"estimated_cost\": {\"amount\": 0.000158, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
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}
},
"duration_seconds": 4.636703,
"end_time": "2025-07-16T07:32:41.215463",
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"timestamp": "2025-07-16T07:32:41.215463",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 12313122,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or_inconsistencies\": {\n \"requested_amount\": {\n \"value\": 12313122,\n \"comment\": \"The requested loan amount is unusually high and may not align with the applicant\u0027s annual income.\"\n }\n },\n \"overall_application_quality_score\": 70\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 12313122,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"requested_amount\\\": {\\n \\\"value\\\": 12313122,\\n \\\"comment\\\": \\\"The requested loan amount is unusually high and may not align with the applicant\u0027s annual income.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 70\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 200, \"completion_tokens\": 213, \"total_tokens\": 413, \"estimated_cost\": {\"amount\": 0.000158, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "application_quality_check",
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},
"model": "gpt-4o-mini",
"prompt_tokens": 200,
"provider": "openai",
"total_tokens": 413
}
},
"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": 0.173395,
"end_time": "2025-07-16T07:33:03.723246",
"message_sent": true,
"start_time": "2025-07-16T07:33:03.549851",
"timestamp": "2025-07-16T07:33:03.723246",
"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": 0.186588,
"end_time": "2025-07-16T07:33:17.557428",
"message_sent": true,
"start_time": "2025-07-16T07:33:17.370840",
"timestamp": "2025-07-16T07:33:17.557428",
"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": 7.897746323529412,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 51304.675, \"total_debt_payments\": 53704.675, \"debt_to_income_ratio\": 7.897746323529412, \"ratio_acceptable\": false, \"max_allowed_ratio\": 0.4}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.194633,
"end_time": "2025-07-16T07:32:50.992229",
"message_sent": true,
"start_time": "2025-07-16T07:32:50.797596",
"timestamp": "2025-07-16T07:32:50.992229",
"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\": 51304.675, \"total_debt_payments\": 53704.675, \"debt_to_income_ratio\": 7.897746323529412, \"ratio_acceptable\": false, \"max_allowed_ratio\": 0.4}\n",
"proposed_emi": 51304.675,
"ratio_acceptable": false,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "calculate_debt_to_income",
"total_debt_payments": 53704.675
},
"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": 0.183312,
"end_time": "2025-07-16T07:33:03.322877",
"message_sent": true,
"start_time": "2025-07-16T07:33:03.139565",
"timestamp": "2025-07-16T07:33:03.322877",
"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 the consolidated compliance assessment:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"KYC\": {\n \"status\": \"Compliant\",\n \"risk_category\": \"Low\",\n \"compliance_score\": 98.5\n },\n \"AML\": {\n \"status\": \"Cleared\",\n \"risk_rating\": \"Low\",\n \"compliance_score\": 96.8\n },\n \"Regulatory\": {\n \"risk\": \"Minimal\",\n \"compliance_score\": 97.2\n },\n \"Internal Policy\": {\n \"compliance_score\": 95.5\n }\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations regularly.\",\n \"Maintain documentation and audit trails to ensure ongoing compliance.\",\n \"Review internal policies periodically to ensure they remain up-to-date with regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.0\n}\n```\n\n### Summary:\n- The overall compliance status is compliant with low risk across KYC, AML, regulatory, and internal policy checks.\n- No compliance gaps or concerns were identified.\n- Recommendations focus on maintaining compliance and reviewing policies regularly.\n- The compliance confidence score is high at 97.0, indicating strong adherence to compliance requirements.",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 1347,
"model": "gpt-4o-mini",
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"provider": "openai",
"system_message": "You are a compliance officer specializing in loan underwriting compliance.\n\nReview all compliance check results and provide:\n1. Overall compliance status\n2. Risk assessment\n3. Any compliance gaps or concerns\n4. Recommendations for proceeding\n5. Compliance confidence score (1-100)\n\nReturn a comprehensive compliance assessment in JSON format.\n"
},
"input_format": "json",
"model_client_id": "compliance_reviewer",
"output": "Based on the provided compliance check results, here is the consolidated compliance assessment:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"KYC\": {\n \"status\": \"Compliant\",\n \"risk_category\": \"Low\",\n \"compliance_score\": 98.5\n },\n \"AML\": {\n \"status\": \"Cleared\",\n \"risk_rating\": \"Low\",\n \"compliance_score\": 96.8\n },\n \"Regulatory\": {\n \"risk\": \"Minimal\",\n \"compliance_score\": 97.2\n },\n \"Internal Policy\": {\n \"compliance_score\": 95.5\n }\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations regularly.\",\n \"Maintain documentation and audit trails to ensure ongoing compliance.\",\n \"Review internal policies periodically to ensure they remain up-to-date with regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.0\n}\n```\n\n### Summary:\n- The overall compliance status is compliant with low risk across KYC, AML, regulatory, and internal policy checks.\n- No compliance gaps or concerns were identified.\n- Recommendations focus on maintaining compliance and reviewing policies regularly.\n- The compliance confidence score is high at 97.0, indicating strong adherence to compliance requirements.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is the consolidated compliance assessment:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"KYC\\\": {\\n \\\"status\\\": \\\"Compliant\\\",\\n \\\"risk_category\\\": \\\"Low\\\",\\n \\\"compliance_score\\\": 98.5\\n },\\n \\\"AML\\\": {\\n \\\"status\\\": \\\"Cleared\\\",\\n \\\"risk_rating\\\": \\\"Low\\\",\\n \\\"compliance_score\\\": 96.8\\n },\\n \\\"Regulatory\\\": {\\n \\\"risk\\\": \\\"Minimal\\\",\\n \\\"compliance_score\\\": 97.2\\n },\\n \\\"Internal Policy\\\": {\\n \\\"compliance_score\\\": 95.5\\n }\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue to monitor compliance with KYC and AML regulations regularly.\\\",\\n \\\"Maintain documentation and audit trails to ensure ongoing compliance.\\\",\\n \\\"Review internal policies periodically to ensure they remain up-to-date with regulatory changes.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.0\\n}\\n```\\n\\n### Summary:\\n- The overall compliance status is compliant with low risk across KYC, AML, regulatory, and internal policy checks.\\n- No compliance gaps or concerns were identified.\\n- Recommendations focus on maintaining compliance and reviewing policies regularly.\\n- The compliance confidence score is high at 97.0, indicating strong adherence to compliance requirements.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2326, \"completion_tokens\": 302, \"total_tokens\": 2628, \"estimated_cost\": {\"amount\": 0.00053, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
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"status": "completed",
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"duration_seconds": 7.778467,
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"timestamp": "2025-07-16T07:33:26.294620",
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},
"model": "gpt-4o-mini",
"model_client_id": "compliance_reviewer",
"output": "Based on the provided compliance check results, here is the consolidated compliance assessment:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"KYC\": {\n \"status\": \"Compliant\",\n \"risk_category\": \"Low\",\n \"compliance_score\": 98.5\n },\n \"AML\": {\n \"status\": \"Cleared\",\n \"risk_rating\": \"Low\",\n \"compliance_score\": 96.8\n },\n \"Regulatory\": {\n \"risk\": \"Minimal\",\n \"compliance_score\": 97.2\n },\n \"Internal Policy\": {\n \"compliance_score\": 95.5\n }\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": [\n \"Continue to monitor compliance with KYC and AML regulations regularly.\",\n \"Maintain documentation and audit trails to ensure ongoing compliance.\",\n \"Review internal policies periodically to ensure they remain up-to-date with regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.0\n}\n```\n\n### Summary:\n- The overall compliance status is compliant with low risk across KYC, AML, regulatory, and internal policy checks.\n- No compliance gaps or concerns were identified.\n- Recommendations focus on maintaining compliance and reviewing policies regularly.\n- The compliance confidence score is high at 97.0, indicating strong adherence to compliance requirements.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is the consolidated compliance assessment:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"KYC\\\": {\\n \\\"status\\\": \\\"Compliant\\\",\\n \\\"risk_category\\\": \\\"Low\\\",\\n \\\"compliance_score\\\": 98.5\\n },\\n \\\"AML\\\": {\\n \\\"status\\\": \\\"Cleared\\\",\\n \\\"risk_rating\\\": \\\"Low\\\",\\n \\\"compliance_score\\\": 96.8\\n },\\n \\\"Regulatory\\\": {\\n \\\"risk\\\": \\\"Minimal\\\",\\n \\\"compliance_score\\\": 97.2\\n },\\n \\\"Internal Policy\\\": {\\n \\\"compliance_score\\\": 95.5\\n }\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue to monitor compliance with KYC and AML regulations regularly.\\\",\\n \\\"Maintain documentation and audit trails to ensure ongoing compliance.\\\",\\n \\\"Review internal policies periodically to ensure they remain up-to-date with regulatory changes.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.0\\n}\\n```\\n\\n### Summary:\\n- The overall compliance status is compliant with low risk across KYC, AML, regulatory, and internal policy checks.\\n- No compliance gaps or concerns were identified.\\n- Recommendations focus on maintaining compliance and reviewing policies regularly.\\n- The compliance confidence score is high at 97.0, indicating strong adherence to compliance requirements.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2326, \"completion_tokens\": 302, \"total_tokens\": 2628, \"estimated_cost\": {\"amount\": 0.00053, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
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"task_id": "compliance_consolidation",
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},
"consolidate_document_verification": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_verification_success_rate\": 0.0,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"is_valid\": false,\n \"name_match\": false,\n \"document_found\": false\n },\n \"aadhaar_verification\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n },\n \"passport_verification\": {\n \"is_valid\": false,\n \"document_found\": false\n },\n \"address_proof\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n }\n },\n \"risk_factors_identified\": [\n {\n \"document\": \"PAN\",\n \"issue\": \"PAN card not found in uploaded documents\"\n },\n {\n \"document\": \"Aadhaar\",\n \"issue\": \"Aadhaar card not found in uploaded documents\"\n },\n {\n \"document\": \"Passport\",\n \"issue\": \"Passport not provided - optional document\"\n },\n {\n \"document\": \"Address Proof\",\n \"issue\": \"Address proof document not found in uploaded documents\"\n }\n ],\n \"recommendation_for_proceeding\": \"Due to the absence of critical identification documents (PAN, Aadhaar, Address Proof), it is recommended to request the applicant to provide the necessary documents for verification. Proceeding without these documents poses a high risk of identity fraud and may lead to compliance issues.\"\n}\n```",
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"output": "```json\n{\n \"overall_verification_success_rate\": 0.0,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"is_valid\": false,\n \"name_match\": false,\n \"document_found\": false\n },\n \"aadhaar_verification\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n },\n \"passport_verification\": {\n \"is_valid\": false,\n \"document_found\": false\n },\n \"address_proof\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n }\n },\n \"risk_factors_identified\": [\n {\n \"document\": \"PAN\",\n \"issue\": \"PAN card not found in uploaded documents\"\n },\n {\n \"document\": \"Aadhaar\",\n \"issue\": \"Aadhaar card not found in uploaded documents\"\n },\n {\n \"document\": \"Passport\",\n \"issue\": \"Passport not provided - optional document\"\n },\n {\n \"document\": \"Address Proof\",\n \"issue\": \"Address proof document not found in uploaded documents\"\n }\n ],\n \"recommendation_for_proceeding\": \"Due to the absence of critical identification documents (PAN, Aadhaar, Address Proof), it is recommended to request the applicant to provide the necessary documents for verification. Proceeding without these documents poses a high risk of identity fraud and may lead to compliance issues.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0.0,\\n \\\"consistency_across_documents\\\": {\\n \\\"pan_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"name_match\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"aadhaar_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"address_match\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"passport_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"address_proof\\\": {\\n \\\"is_valid\\\": false,\\n \\\"address_match\\\": false,\\n \\\"document_found\\\": false\\n }\\n },\\n \\\"risk_factors_identified\\\": [\\n {\\n \\\"document\\\": \\\"PAN\\\",\\n \\\"issue\\\": \\\"PAN card not found in uploaded documents\\\"\\n },\\n {\\n \\\"document\\\": \\\"Aadhaar\\\",\\n \\\"issue\\\": \\\"Aadhaar card not found in uploaded documents\\\"\\n },\\n {\\n \\\"document\\\": \\\"Passport\\\",\\n \\\"issue\\\": \\\"Passport not provided - optional document\\\"\\n },\\n {\\n \\\"document\\\": \\\"Address Proof\\\",\\n \\\"issue\\\": \\\"Address proof document not found in uploaded documents\\\"\\n }\\n ],\\n \\\"recommendation_for_proceeding\\\": \\\"Due to the absence of critical identification documents (PAN, Aadhaar, Address Proof), it is recommended to request the applicant to provide the necessary documents for verification. Proceeding without these documents poses a high risk of identity fraud and may lead to compliance issues.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 732, \"completion_tokens\": 317, \"total_tokens\": 1049, \"estimated_cost\": {\"amount\": 0.0003, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"overall_verification_success_rate\": 0.0,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"is_valid\": false,\n \"name_match\": false,\n \"document_found\": false\n },\n \"aadhaar_verification\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n },\n \"passport_verification\": {\n \"is_valid\": false,\n \"document_found\": false\n },\n \"address_proof\": {\n \"is_valid\": false,\n \"address_match\": false,\n \"document_found\": false\n }\n },\n \"risk_factors_identified\": [\n {\n \"document\": \"PAN\",\n \"issue\": \"PAN card not found in uploaded documents\"\n },\n {\n \"document\": \"Aadhaar\",\n \"issue\": \"Aadhaar card not found in uploaded documents\"\n },\n {\n \"document\": \"Passport\",\n \"issue\": \"Passport not provided - optional document\"\n },\n {\n \"document\": \"Address Proof\",\n \"issue\": \"Address proof document not found in uploaded documents\"\n }\n ],\n \"recommendation_for_proceeding\": \"Due to the absence of critical identification documents (PAN, Aadhaar, Address Proof), it is recommended to request the applicant to provide the necessary documents for verification. Proceeding without these documents poses a high risk of identity fraud and may lead to compliance issues.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0.0,\\n \\\"consistency_across_documents\\\": {\\n \\\"pan_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"name_match\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"aadhaar_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"address_match\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"passport_verification\\\": {\\n \\\"is_valid\\\": false,\\n \\\"document_found\\\": false\\n },\\n \\\"address_proof\\\": {\\n \\\"is_valid\\\": false,\\n \\\"address_match\\\": false,\\n \\\"document_found\\\": false\\n }\\n },\\n \\\"risk_factors_identified\\\": [\\n {\\n \\\"document\\\": \\\"PAN\\\",\\n \\\"issue\\\": \\\"PAN card not found in uploaded documents\\\"\\n },\\n {\\n \\\"document\\\": \\\"Aadhaar\\\",\\n \\\"issue\\\": \\\"Aadhaar card not found in uploaded documents\\\"\\n },\\n {\\n \\\"document\\\": \\\"Passport\\\",\\n \\\"issue\\\": \\\"Passport not provided - optional document\\\"\\n },\\n {\\n \\\"document\\\": \\\"Address Proof\\\",\\n \\\"issue\\\": \\\"Address proof document not found in uploaded documents\\\"\\n }\\n ],\\n \\\"recommendation_for_proceeding\\\": \\\"Due to the absence of critical identification documents (PAN, Aadhaar, Address Proof), it is recommended to request the applicant to provide the necessary documents for verification. Proceeding without these documents poses a high risk of identity fraud and may lead to compliance issues.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 732, \"completion_tokens\": 317, \"total_tokens\": 1049, \"estimated_cost\": {\"amount\": 0.0003, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A credit score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with a high percentage of on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is favorable).\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 that the applicant has a strong track record with no defaults and a high percentage of timely payments. However, the 30-day late payments (12.0%) could be a concern, but it is not alarming given the overall good score.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization is reasonable and indicates that the applicant is not overly reliant on credit, which is a positive sign for default risk.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 2 (Personal Loan: 45000, Auto Loan: 80000)\n\n**Analysis**: The loan burden ratio of 28% is below the acceptable threshold of 40%, indicating that the applicant has a manageable level of debt relative to their income.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income with a good repayment track record.\n- **Debt-to-Income Ratio**: The total monthly EMI is manageable compared to the applicant\u0027s income.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 10 points (Excellent)\n- **Credit Utilization**: 10 points (Acceptable)\n- **Repayment Patterns**: 15 points (Good, but some late payments)\n- **Loan Burden**: 5 points (Manageable)\n\n**Total Risk Score**: \n- Credit Score: 20\n- Payment History: 10\n- Credit Utilization: 10\n- Repayment Patterns: 15\n- Loan Burden: 5\n- **Overall Risk Score**: 60/100\n\n### Recommendations\n1. **Monitor Payment Patterns**: While the overall repayment behavior is good, the applicant should be encouraged to address the instances of late payments to maintain a strong credit profile.\n2. **Maintain Credit Utilization**: Continue to keep credit utilization below 40% to ensure a healthy credit score.\n3. **Consider Additional Loans Cautiously**: Given the existing loans, the applicant should be cautious about taking on additional debt until their financial situation stabilizes further.\n4. **Financial Counseling**: It may be beneficial for the applicant to seek financial counseling to improve their payment habits and manage their debts effectively.\n\n### Conclusion\nThe applicant presents a moderate risk of default with a score of 60 out of 100. While they have a good credit score and repayment history, attention should be given to the instances of late payments and overall debt management.",
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"system_message": "You are a credit risk assessment specialist. Analyze the provided credit data and calculate default risk.\n\nConsider:\n1. Credit score and history\n2. Repayment patterns\n3. Credit utilization\n4. Existing loan burden\n5. Overall risk profile\n\nProvide a risk score (1-100, where 100 is highest risk) and detailed risk analysis.\n"
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A credit score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with a high percentage of on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is favorable).\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 that the applicant has a strong track record with no defaults and a high percentage of timely payments. However, the 30-day late payments (12.0%) could be a concern, but it is not alarming given the overall good score.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization is reasonable and indicates that the applicant is not overly reliant on credit, which is a positive sign for default risk.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 2 (Personal Loan: 45000, Auto Loan: 80000)\n\n**Analysis**: The loan burden ratio of 28% is below the acceptable threshold of 40%, indicating that the applicant has a manageable level of debt relative to their income.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income with a good repayment track record.\n- **Debt-to-Income Ratio**: The total monthly EMI is manageable compared to the applicant\u0027s income.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 10 points (Excellent)\n- **Credit Utilization**: 10 points (Acceptable)\n- **Repayment Patterns**: 15 points (Good, but some late payments)\n- **Loan Burden**: 5 points (Manageable)\n\n**Total Risk Score**: \n- Credit Score: 20\n- Payment History: 10\n- Credit Utilization: 10\n- Repayment Patterns: 15\n- Loan Burden: 5\n- **Overall Risk Score**: 60/100\n\n### Recommendations\n1. **Monitor Payment Patterns**: While the overall repayment behavior is good, the applicant should be encouraged to address the instances of late payments to maintain a strong credit profile.\n2. **Maintain Credit Utilization**: Continue to keep credit utilization below 40% to ensure a healthy credit score.\n3. **Consider Additional Loans Cautiously**: Given the existing loans, the applicant should be cautious about taking on additional debt until their financial situation stabilizes further.\n4. **Financial Counseling**: It may be beneficial for the applicant to seek financial counseling to improve their payment habits and manage their debts effectively.\n\n### Conclusion\nThe applicant presents a moderate risk of default with a score of 60 out of 100. While they have a good credit score and repayment history, attention should be given to the instances of late payments and overall debt management.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A credit score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with a high percentage of on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is favorable).\\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 that the applicant has a strong track record with no defaults and a high percentage of timely payments. However, the 30-day late payments (12.0%) could be a concern, but it is not alarming given the overall good score.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: The credit utilization is reasonable and indicates that the applicant is not overly reliant on credit, which is a positive sign for default risk.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: 2 (Personal Loan: 45000, Auto Loan: 80000)\\n\\n**Analysis**: The loan burden ratio of 28% is below the acceptable threshold of 40%, indicating that the applicant has a manageable level of debt relative to their income.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The applicant has a stable income with a good repayment track record.\\n- **Debt-to-Income Ratio**: The total monthly EMI is manageable compared to the applicant\u0027s income.\\n\\n### Risk Score Calculation\\nConsidering all the factors above, we can assign a risk score based on the following criteria:\\n- **Credit Score**: 20 points (Good)\\n- **Payment History**: 10 points (Excellent)\\n- **Credit Utilization**: 10 points (Acceptable)\\n- **Repayment Patterns**: 15 points (Good, but some late payments)\\n- **Loan Burden**: 5 points (Manageable)\\n\\n**Total Risk Score**: \\n- Credit Score: 20\\n- Payment History: 10\\n- Credit Utilization: 10\\n- Repayment Patterns: 15\\n- Loan Burden: 5\\n- **Overall Risk Score**: 60/100\\n\\n### Recommendations\\n1. **Monitor Payment Patterns**: While the overall repayment behavior is good, the applicant should be encouraged to address the instances of late payments to maintain a strong credit profile.\\n2. **Maintain Credit Utilization**: Continue to keep credit utilization below 40% to ensure a healthy credit score.\\n3. **Consider Additional Loans Cautiously**: Given the existing loans, the applicant should be cautious about taking on additional debt until their financial situation stabilizes further.\\n4. **Financial Counseling**: It may be beneficial for the applicant to seek financial counseling to improve their payment habits and manage their debts effectively.\\n\\n### Conclusion\\nThe applicant presents a moderate risk of default with a score of 60 out of 100. While they have a good credit score and repayment history, attention should be given to the instances of late payments and overall debt management.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1559, \"completion_tokens\": 790, \"total_tokens\": 2349, \"estimated_cost\": {\"amount\": 0.000708, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A credit score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with a high percentage of on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is favorable).\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 that the applicant has a strong track record with no defaults and a high percentage of timely payments. However, the 30-day late payments (12.0%) could be a concern, but it is not alarming given the overall good score.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: The credit utilization is reasonable and indicates that the applicant is not overly reliant on credit, which is a positive sign for default risk.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 2 (Personal Loan: 45000, Auto Loan: 80000)\n\n**Analysis**: The loan burden ratio of 28% is below the acceptable threshold of 40%, indicating that the applicant has a manageable level of debt relative to their income.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income with a good repayment track record.\n- **Debt-to-Income Ratio**: The total monthly EMI is manageable compared to the applicant\u0027s income.\n\n### Risk Score Calculation\nConsidering all the factors above, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 10 points (Excellent)\n- **Credit Utilization**: 10 points (Acceptable)\n- **Repayment Patterns**: 15 points (Good, but some late payments)\n- **Loan Burden**: 5 points (Manageable)\n\n**Total Risk Score**: \n- Credit Score: 20\n- Payment History: 10\n- Credit Utilization: 10\n- Repayment Patterns: 15\n- Loan Burden: 5\n- **Overall Risk Score**: 60/100\n\n### Recommendations\n1. **Monitor Payment Patterns**: While the overall repayment behavior is good, the applicant should be encouraged to address the instances of late payments to maintain a strong credit profile.\n2. **Maintain Credit Utilization**: Continue to keep credit utilization below 40% to ensure a healthy credit score.\n3. **Consider Additional Loans Cautiously**: Given the existing loans, the applicant should be cautious about taking on additional debt until their financial situation stabilizes further.\n4. **Financial Counseling**: It may be beneficial for the applicant to seek financial counseling to improve their payment habits and manage their debts effectively.\n\n### Conclusion\nThe applicant presents a moderate risk of default with a score of 60 out of 100. While they have a good credit score and repayment history, attention should be given to the instances of late payments and overall debt management.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A credit score of 720 is considered good, indicating a lower risk of default. The payment history is excellent, with a high percentage of on-time payments. The credit utilization of 35.5% is within acceptable limits (generally below 40% is favorable).\\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 that the applicant has a strong track record with no defaults and a high percentage of timely payments. However, the 30-day late payments (12.0%) could be a concern, but it is not alarming given the overall good score.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: The credit utilization is reasonable and indicates that the applicant is not overly reliant on credit, which is a positive sign for default risk.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: 2 (Personal Loan: 45000, Auto Loan: 80000)\\n\\n**Analysis**: The loan burden ratio of 28% is below the acceptable threshold of 40%, indicating that the applicant has a manageable level of debt relative to their income.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The applicant has a stable income with a good repayment track record.\\n- **Debt-to-Income Ratio**: The total monthly EMI is manageable compared to the applicant\u0027s income.\\n\\n### Risk Score Calculation\\nConsidering all the factors above, we can assign a risk score based on the following criteria:\\n- **Credit Score**: 20 points (Good)\\n- **Payment History**: 10 points (Excellent)\\n- **Credit Utilization**: 10 points (Acceptable)\\n- **Repayment Patterns**: 15 points (Good, but some late payments)\\n- **Loan Burden**: 5 points (Manageable)\\n\\n**Total Risk Score**: \\n- Credit Score: 20\\n- Payment History: 10\\n- Credit Utilization: 10\\n- Repayment Patterns: 15\\n- Loan Burden: 5\\n- **Overall Risk Score**: 60/100\\n\\n### Recommendations\\n1. **Monitor Payment Patterns**: While the overall repayment behavior is good, the applicant should be encouraged to address the instances of late payments to maintain a strong credit profile.\\n2. **Maintain Credit Utilization**: Continue to keep credit utilization below 40% to ensure a healthy credit score.\\n3. **Consider Additional Loans Cautiously**: Given the existing loans, the applicant should be cautious about taking on additional debt until their financial situation stabilizes further.\\n4. **Financial Counseling**: It may be beneficial for the applicant to seek financial counseling to improve their payment habits and manage their debts effectively.\\n\\n### Conclusion\\nThe applicant presents a moderate risk of default with a score of 60 out of 100. 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"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": 12313122
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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\": 12313122}, \"missing_fields\": []}\n",
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"ai_response": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $12,313,122 (not approved)\n- **Proposed EMI**: Not applicable\n- **Loan Purpose**: Home Purchase (not approved)\n\n#### Risk Mitigation Measures:\n1. **Request Additional Documentation**: The applicant should be asked to provide the missing identification documents (PAN, Aadhaar, Address Proof) to verify their identity and address.\n2. **Encourage Debt Reduction**: The applicant should be advised to reduce their existing debt obligations to improve their debt-to-income ratio before reapplying.\n3. **Financial Counseling**: Recommend that the applicant seek financial counseling to better manage their debts and improve their financial health.\n\n#### Reasoning for Decision:\n1. **High Requested Loan Amount**: The requested loan amount of $12,313,122 is significantly disproportionate to the applicant\u0027s annual income of $75,000. This raises concerns about the applicant\u0027s ability to repay such a large loan.\n \n2. **Document Verification Issues**: The applicant failed to provide critical identification documents (PAN, Aadhaar, Address Proof), which are essential for verifying identity and compliance. The absence of these documents poses a high risk of identity fraud and compliance issues.\n\n3. **Debt-to-Income Ratio**: The applicant\u0027s debt-to-income ratio is 7.90, which is far above the acceptable limit of 0.4 (40%). This indicates a severe risk of default, as the applicant\u0027s monthly debt payments exceed their monthly net income.\n\n4. **Income Stability and Financial Discipline**: While the applicant has a stable income and a good credit score (720), the overall financial discipline is undermined by the high debt-to-income ratio and existing debt obligations. The financial discipline score is also moderate, indicating potential issues in managing finances.\n\n5. **Compliance Status**: Although the compliance checks for KYC and AML are satisfactory, the lack of necessary documentation means that the application cannot be fully compliant.\n\n#### Confidence Level: 85\n- The decision is made with a high level of confidence (85) based on the significant risks identified in the application, particularly regarding the requested loan amount, missing documentation, and the applicant\u0027s financial situation. \n\nIn summary, the combination of a disproportionately high loan request, missing critical documentation, and an unacceptable debt-to-income ratio leads to the recommendation to decline the loan application.",
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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: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $12,313,122 (not approved)\n- **Proposed EMI**: Not applicable\n- **Loan Purpose**: Home Purchase (not approved)\n\n#### Risk Mitigation Measures:\n1. **Request Additional Documentation**: The applicant should be asked to provide the missing identification documents (PAN, Aadhaar, Address Proof) to verify their identity and address.\n2. **Encourage Debt Reduction**: The applicant should be advised to reduce their existing debt obligations to improve their debt-to-income ratio before reapplying.\n3. **Financial Counseling**: Recommend that the applicant seek financial counseling to better manage their debts and improve their financial health.\n\n#### Reasoning for Decision:\n1. **High Requested Loan Amount**: The requested loan amount of $12,313,122 is significantly disproportionate to the applicant\u0027s annual income of $75,000. This raises concerns about the applicant\u0027s ability to repay such a large loan.\n \n2. **Document Verification Issues**: The applicant failed to provide critical identification documents (PAN, Aadhaar, Address Proof), which are essential for verifying identity and compliance. The absence of these documents poses a high risk of identity fraud and compliance issues.\n\n3. **Debt-to-Income Ratio**: The applicant\u0027s debt-to-income ratio is 7.90, which is far above the acceptable limit of 0.4 (40%). This indicates a severe risk of default, as the applicant\u0027s monthly debt payments exceed their monthly net income.\n\n4. **Income Stability and Financial Discipline**: While the applicant has a stable income and a good credit score (720), the overall financial discipline is undermined by the high debt-to-income ratio and existing debt obligations. The financial discipline score is also moderate, indicating potential issues in managing finances.\n\n5. **Compliance Status**: Although the compliance checks for KYC and AML are satisfactory, the lack of necessary documentation means that the application cannot be fully compliant.\n\n#### Confidence Level: 85\n- The decision is made with a high level of confidence (85) based on the significant risks identified in the application, particularly regarding the requested loan amount, missing documentation, and the applicant\u0027s financial situation. \n\nIn summary, the combination of a disproportionately high loan request, missing critical documentation, and an unacceptable debt-to-income ratio leads to the recommendation to decline the loan application.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Requested Loan Amount**: $12,313,122 (not approved)\\n- **Proposed EMI**: Not applicable\\n- **Loan Purpose**: Home Purchase (not approved)\\n\\n#### Risk Mitigation Measures:\\n1. **Request Additional Documentation**: The applicant should be asked to provide the missing identification documents (PAN, Aadhaar, Address Proof) to verify their identity and address.\\n2. **Encourage Debt Reduction**: The applicant should be advised to reduce their existing debt obligations to improve their debt-to-income ratio before reapplying.\\n3. **Financial Counseling**: Recommend that the applicant seek financial counseling to better manage their debts and improve their financial health.\\n\\n#### Reasoning for Decision:\\n1. **High Requested Loan Amount**: The requested loan amount of $12,313,122 is significantly disproportionate to the applicant\u0027s annual income of $75,000. This raises concerns about the applicant\u0027s ability to repay such a large loan.\\n \\n2. **Document Verification Issues**: The applicant failed to provide critical identification documents (PAN, Aadhaar, Address Proof), which are essential for verifying identity and compliance. The absence of these documents poses a high risk of identity fraud and compliance issues.\\n\\n3. **Debt-to-Income Ratio**: The applicant\u0027s debt-to-income ratio is 7.90, which is far above the acceptable limit of 0.4 (40%). This indicates a severe risk of default, as the applicant\u0027s monthly debt payments exceed their monthly net income.\\n\\n4. **Income Stability and Financial Discipline**: While the applicant has a stable income and a good credit score (720), the overall financial discipline is undermined by the high debt-to-income ratio and existing debt obligations. The financial discipline score is also moderate, indicating potential issues in managing finances.\\n\\n5. **Compliance Status**: Although the compliance checks for KYC and AML are satisfactory, the lack of necessary documentation means that the application cannot be fully compliant.\\n\\n#### Confidence Level: 85\\n- The decision is made with a high level of confidence (85) based on the significant risks identified in the application, particularly regarding the requested loan amount, missing documentation, and the applicant\u0027s financial situation. \\n\\nIn summary, the combination of a disproportionately high loan request, missing critical documentation, and an unacceptable debt-to-income ratio leads to the recommendation to decline the loan application.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5431, \"completion_tokens\": 491, \"total_tokens\": 5922, \"estimated_cost\": {\"amount\": 0.001109, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $12,313,122 (not approved)\n- **Proposed EMI**: Not applicable\n- **Loan Purpose**: Home Purchase (not approved)\n\n#### Risk Mitigation Measures:\n1. **Request Additional Documentation**: The applicant should be asked to provide the missing identification documents (PAN, Aadhaar, Address Proof) to verify their identity and address.\n2. **Encourage Debt Reduction**: The applicant should be advised to reduce their existing debt obligations to improve their debt-to-income ratio before reapplying.\n3. **Financial Counseling**: Recommend that the applicant seek financial counseling to better manage their debts and improve their financial health.\n\n#### Reasoning for Decision:\n1. **High Requested Loan Amount**: The requested loan amount of $12,313,122 is significantly disproportionate to the applicant\u0027s annual income of $75,000. This raises concerns about the applicant\u0027s ability to repay such a large loan.\n \n2. **Document Verification Issues**: The applicant failed to provide critical identification documents (PAN, Aadhaar, Address Proof), which are essential for verifying identity and compliance. The absence of these documents poses a high risk of identity fraud and compliance issues.\n\n3. **Debt-to-Income Ratio**: The applicant\u0027s debt-to-income ratio is 7.90, which is far above the acceptable limit of 0.4 (40%). This indicates a severe risk of default, as the applicant\u0027s monthly debt payments exceed their monthly net income.\n\n4. **Income Stability and Financial Discipline**: While the applicant has a stable income and a good credit score (720), the overall financial discipline is undermined by the high debt-to-income ratio and existing debt obligations. The financial discipline score is also moderate, indicating potential issues in managing finances.\n\n5. **Compliance Status**: Although the compliance checks for KYC and AML are satisfactory, the lack of necessary documentation means that the application cannot be fully compliant.\n\n#### Confidence Level: 85\n- The decision is made with a high level of confidence (85) based on the significant risks identified in the application, particularly regarding the requested loan amount, missing documentation, and the applicant\u0027s financial situation. \n\nIn summary, the combination of a disproportionately high loan request, missing critical documentation, and an unacceptable debt-to-income ratio leads to the recommendation to decline the loan application.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Requested Loan Amount**: $12,313,122 (not approved)\\n- **Proposed EMI**: Not applicable\\n- **Loan Purpose**: Home Purchase (not approved)\\n\\n#### Risk Mitigation Measures:\\n1. **Request Additional Documentation**: The applicant should be asked to provide the missing identification documents (PAN, Aadhaar, Address Proof) to verify their identity and address.\\n2. **Encourage Debt Reduction**: The applicant should be advised to reduce their existing debt obligations to improve their debt-to-income ratio before reapplying.\\n3. **Financial Counseling**: Recommend that the applicant seek financial counseling to better manage their debts and improve their financial health.\\n\\n#### Reasoning for Decision:\\n1. **High Requested Loan Amount**: The requested loan amount of $12,313,122 is significantly disproportionate to the applicant\u0027s annual income of $75,000. This raises concerns about the applicant\u0027s ability to repay such a large loan.\\n \\n2. **Document Verification Issues**: The applicant failed to provide critical identification documents (PAN, Aadhaar, Address Proof), which are essential for verifying identity and compliance. The absence of these documents poses a high risk of identity fraud and compliance issues.\\n\\n3. **Debt-to-Income Ratio**: The applicant\u0027s debt-to-income ratio is 7.90, which is far above the acceptable limit of 0.4 (40%). This indicates a severe risk of default, as the applicant\u0027s monthly debt payments exceed their monthly net income.\\n\\n4. **Income Stability and Financial Discipline**: While the applicant has a stable income and a good credit score (720), the overall financial discipline is undermined by the high debt-to-income ratio and existing debt obligations. The financial discipline score is also moderate, indicating potential issues in managing finances.\\n\\n5. **Compliance Status**: Although the compliance checks for KYC and AML are satisfactory, the lack of necessary documentation means that the application cannot be fully compliant.\\n\\n#### Confidence Level: 85\\n- The decision is made with a high level of confidence (85) based on the significant risks identified in the application, particularly regarding the requested loan amount, missing documentation, and the applicant\u0027s financial situation. \\n\\nIn summary, the combination of a disproportionately high loan request, missing critical documentation, and an unacceptable debt-to-income ratio leads to the recommendation to decline the loan application.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5431, \"completion_tokens\": 491, \"total_tokens\": 5922, \"estimated_cost\": {\"amount\": 0.001109, \"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": {
"actual_result": {
"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 12313122, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 55922.1, \"processing_fee\": 147757.464, \"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": 12313122,
"monthly_emi": 55922.1,
"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\": 12313122, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 55922.1, \"processing_fee\": 147757.464, \"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": {
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"decision_summary": {
"compliance_status": "compliant",
"credit_score": 337.9,
"debt_to_income_ratio": 7.897746323529412,
"risk_category": "high"
},
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"output": "__OUTPUTS__ {\"application_id\": \"1\", \"processing_date\": \"2024-07-15\", \"workflow_status\": \"completed\", \"processing_time_minutes\": 45, \"decision_summary\": {\"credit_score\": 337.9, \"debt_to_income_ratio\": 7.897746323529412, \"compliance_status\": \"compliant\", \"risk_category\": \"high\"}, \"next_steps\": [\"Customer notification\", \"Document archival\", \"Compliance reporting\"]}\n",
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"output": "__OUTPUTS__ {\"application_id\": \"1\", \"processing_date\": \"2024-07-15\", \"workflow_status\": \"completed\", \"processing_time_minutes\": 45, \"decision_summary\": {\"credit_score\": 337.9, \"debt_to_income_ratio\": 7.897746323529412, \"compliance_status\": \"compliant\", \"risk_category\": \"high\"}, \"next_steps\": [\"Customer notification\", \"Document archival\", \"Compliance reporting\"]}\n",
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"income_assessment": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"income_growth_trend\": \"positive\",\n \"overall_stability_score\": 85\n },\n \"debt_servicing_capability\": {\n \"monthly_debt_payments\": 53704.675,\n \"proposed_emi\": 51304.675,\n \"debt_to_income_ratio\": 7.90,\n \"acceptable_ratio\": false,\n \"max_allowed_ratio\": 0.4,\n \"debt_servicing_score\": 20,\n \"recommendation\": \"The debt-to-income ratio is significantly above the acceptable limit, indicating a high risk of default.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"salary_credits_consistent\": true,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true\n },\n \"overall_financial_discipline_score\": 88\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n {\n \"factor\": \"High debt-to-income ratio\",\n \"comment\": \"The applicant\u0027s debt-to-income ratio is excessively high, which poses a significant risk for loan repayment.\"\n },\n {\n \"factor\": \"Loan EMIs detected\",\n \"comment\": \"Existing loan EMIs may impact the applicant\u0027s ability to service additional debt.\"\n }\n ],\n \"recommendations\": [\n \"Consider reducing the proposed loan amount to align with the applicant\u0027s income and debt servicing capability.\",\n \"Encourage the applicant to pay down existing debts to improve their debt-to-income ratio.\",\n \"Request additional financial documentation to further assess the applicant\u0027s financial health.\"\n ]\n },\n \"overall_income_adequacy_score\": 55\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 \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"income_growth_trend\": \"positive\",\n \"overall_stability_score\": 85\n },\n \"debt_servicing_capability\": {\n \"monthly_debt_payments\": 53704.675,\n \"proposed_emi\": 51304.675,\n \"debt_to_income_ratio\": 7.90,\n \"acceptable_ratio\": false,\n \"max_allowed_ratio\": 0.4,\n \"debt_servicing_score\": 20,\n \"recommendation\": \"The debt-to-income ratio is significantly above the acceptable limit, indicating a high risk of default.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"salary_credits_consistent\": true,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true\n },\n \"overall_financial_discipline_score\": 88\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n {\n \"factor\": \"High debt-to-income ratio\",\n \"comment\": \"The applicant\u0027s debt-to-income ratio is excessively high, which poses a significant risk for loan repayment.\"\n },\n {\n \"factor\": \"Loan EMIs detected\",\n \"comment\": \"Existing loan EMIs may impact the applicant\u0027s ability to service additional debt.\"\n }\n ],\n \"recommendations\": [\n \"Consider reducing the proposed loan amount to align with the applicant\u0027s income and debt servicing capability.\",\n \"Encourage the applicant to pay down existing debts to improve their debt-to-income ratio.\",\n \"Request additional financial documentation to further assess the applicant\u0027s financial health.\"\n ]\n },\n \"overall_income_adequacy_score\": 55\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"income_growth_trend\\\": \\\"positive\\\",\\n \\\"overall_stability_score\\\": 85\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_debt_payments\\\": 53704.675,\\n \\\"proposed_emi\\\": 51304.675,\\n \\\"debt_to_income_ratio\\\": 7.90,\\n \\\"acceptable_ratio\\\": false,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"debt_servicing_score\\\": 20,\\n \\\"recommendation\\\": \\\"The debt-to-income ratio is significantly above the acceptable limit, indicating a high risk of default.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"salary_credits_consistent\\\": true,\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"tax_returns\\\": {\\n \\\"tax_paid\\\": 12000,\\n \\\"declared_income\\\": 98000,\\n \\\"discrepancies_found\\\": false,\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"returns_filed_consistently\\\": true\\n },\\n \\\"overall_financial_discipline_score\\\": 88\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [\\n {\\n \\\"factor\\\": \\\"High debt-to-income ratio\\\",\\n \\\"comment\\\": \\\"The applicant\u0027s debt-to-income ratio is excessively high, which poses a significant risk for loan repayment.\\\"\\n },\\n {\\n \\\"factor\\\": \\\"Loan EMIs detected\\\",\\n \\\"comment\\\": \\\"Existing loan EMIs may impact the applicant\u0027s ability to service additional debt.\\\"\\n }\\n ],\\n \\\"recommendations\\\": [\\n \\\"Consider reducing the proposed loan amount to align with the applicant\u0027s income and debt servicing capability.\\\",\\n \\\"Encourage the applicant to pay down existing debts to improve their debt-to-income ratio.\\\",\\n \\\"Request additional financial documentation to further assess the applicant\u0027s financial health.\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": 55\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1069, \"completion_tokens\": 532, \"total_tokens\": 1601, \"estimated_cost\": {\"amount\": 0.00048, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"income_growth_trend\": \"positive\",\n \"overall_stability_score\": 85\n },\n \"debt_servicing_capability\": {\n \"monthly_debt_payments\": 53704.675,\n \"proposed_emi\": 51304.675,\n \"debt_to_income_ratio\": 7.90,\n \"acceptable_ratio\": false,\n \"max_allowed_ratio\": 0.4,\n \"debt_servicing_score\": 20,\n \"recommendation\": \"The debt-to-income ratio is significantly above the acceptable limit, indicating a high risk of default.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"salary_credits_consistent\": true,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true\n },\n \"overall_financial_discipline_score\": 88\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n {\n \"factor\": \"High debt-to-income ratio\",\n \"comment\": \"The applicant\u0027s debt-to-income ratio is excessively high, which poses a significant risk for loan repayment.\"\n },\n {\n \"factor\": \"Loan EMIs detected\",\n \"comment\": \"Existing loan EMIs may impact the applicant\u0027s ability to service additional debt.\"\n }\n ],\n \"recommendations\": [\n \"Consider reducing the proposed loan amount to align with the applicant\u0027s income and debt servicing capability.\",\n \"Encourage the applicant to pay down existing debts to improve their debt-to-income ratio.\",\n \"Request additional financial documentation to further assess the applicant\u0027s financial health.\"\n ]\n },\n \"overall_income_adequacy_score\": 55\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"income_growth_trend\\\": \\\"positive\\\",\\n \\\"overall_stability_score\\\": 85\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_debt_payments\\\": 53704.675,\\n \\\"proposed_emi\\\": 51304.675,\\n \\\"debt_to_income_ratio\\\": 7.90,\\n \\\"acceptable_ratio\\\": false,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"debt_servicing_score\\\": 20,\\n \\\"recommendation\\\": \\\"The debt-to-income ratio is significantly above the acceptable limit, indicating a high risk of default.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"salary_credits_consistent\\\": true,\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"tax_returns\\\": {\\n \\\"tax_paid\\\": 12000,\\n \\\"declared_income\\\": 98000,\\n \\\"discrepancies_found\\\": false,\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"returns_filed_consistently\\\": true\\n },\\n \\\"overall_financial_discipline_score\\\": 88\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [\\n {\\n \\\"factor\\\": \\\"High debt-to-income ratio\\\",\\n \\\"comment\\\": \\\"The applicant\u0027s debt-to-income ratio is excessively high, which poses a significant risk for loan repayment.\\\"\\n },\\n {\\n \\\"factor\\\": \\\"Loan EMIs detected\\\",\\n \\\"comment\\\": \\\"Existing loan EMIs may impact the applicant\u0027s ability to service additional debt.\\\"\\n }\\n ],\\n \\\"recommendations\\\": [\\n \\\"Consider reducing the proposed loan amount to align with the applicant\u0027s income and debt servicing capability.\\\",\\n \\\"Encourage the applicant to pay down existing debts to improve their debt-to-income ratio.\\\",\\n \\\"Request additional financial documentation to further assess the applicant\u0027s financial health.\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": 55\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1069, \"completion_tokens\": 532, \"total_tokens\": 1601, \"estimated_cost\": {\"amount\": 0.00048, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "income_assessment",
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"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 1069,
"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,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.180754,
"end_time": "2025-07-16T07:33:18.424003",
"message_sent": true,
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"timestamp": "2025-07-16T07:33:18.424003",
"worker_executed": true,
"workers_notified": true
},
"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,
"policy_version": "2024.1",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "internal_policy_check"
},
"kyc_compliance_check": {
"address_verified": true,
"compliance_score": 98.5,
"documents_complete": true,
"execution_details": {
"actual_result": {
"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",
"return_code": 0,
"status": "completed",
"stderr": ""
},
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"end_time": "2025-07-16T07:33:17.775020",
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"start_time": "2025-07-16T07:33:17.590531",
"timestamp": "2025-07-16T07:33:17.775020",
"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": 0.155286,
"end_time": "2025-07-16T07:32:41.400447",
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"start_time": "2025-07-16T07:32:41.245161",
"timestamp": "2025-07-16T07:32:41.400447",
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},
"exit_reason": "max_iterations",
"final_state": {},
"iterations_completed": 10,
"loop_result": {
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"final_state": {},
"iterations_completed": 10
},
"output": "Loop completed after 10 iterations",
"return_code": 0,
"status": "completed",
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"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,
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"timestamp": "2025-07-16T07:33:18.210092",
"worker_executed": true,
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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",
"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": 0.00067,
"ended_at": "2025-07-16T07:33:26.494210",
"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\": 0.00067, \"started_at\": \"2025-07-16T07:33:26.493540\", \"ended_at\": \"2025-07-16T07:33:26.494210\"}",
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"timestamp": "2025-07-16T07:33:26.590968",
"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\": 0.00067, \"started_at\": \"2025-07-16T07:33:26.493540\", \"ended_at\": \"2025-07-16T07:33:26.494210\"}",
"return_code": 0,
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"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"upload_to_supabase": {
"bucket_name": "loan-approval",
"columns_count": 110,
"csv_structure": {
"column_count": 110,
"columns": [
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"workflow_version",
"application_id",
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"processing_date",
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"address",
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"passport_number",
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"address_proof_type",
"address_proof_verified",
"address_proof_verification_score",
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"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": {
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"cibil_score": 0,
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"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": "1",
"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": 12313122.0,
"risk_category": "unknown",
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"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_1_20250716_073339.csv\nCSV content size: 2788 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_1_20250716_073339.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_1_20250716_073339.csv\", \"file_size_bytes\": 2788, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_1_20250716_073339.csv?\", \"upload_timestamp\": \"2025-07-16T07:33:40.044117\", \"records_uploaded\": 1, \"columns_count\": 110, \"data_summary\": {\"application_id\": \"1\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 12313122.0, \"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",
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"end_time": "2025-07-16T07:33:40.325627",
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"file_size_bytes": 2788,
"filename": "loan_underwriting_1_20250716_073339.csv",
"output": "Error parsing previous node data: name \u0027UNRESOLVED_extract_application_info\u0027 is not defined\nGenerated CSV file: loan_underwriting_1_20250716_073339.csv\nCSV content size: 2788 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_1_20250716_073339.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_1_20250716_073339.csv\", \"file_size_bytes\": 2788, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_1_20250716_073339.csv?\", \"upload_timestamp\": \"2025-07-16T07:33:40.044117\", \"records_uploaded\": 1, \"columns_count\": 110, \"data_summary\": {\"application_id\": \"1\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 12313122.0, \"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_1_20250716_073339.csv?",
"records_uploaded": 1,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "upload_to_supabase",
"upload_status": "success",
"upload_timestamp": "2025-07-16T07:33:40.044117"
},
"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": 0.251441,
"end_time": "2025-07-16T07:32:36.518338",
"message_sent": true,
"start_time": "2025-07-16T07:32:36.266897",
"timestamp": "2025-07-16T07:32:36.518338",
"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": 0.62618,
"end_time": "2025-07-16T07:32:42.123707",
"message_sent": true,
"start_time": "2025-07-16T07:32:41.497527",
"timestamp": "2025-07-16T07:32:42.123707",
"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": 0.520958,
"end_time": "2025-07-16T07:32:42.146296",
"message_sent": true,
"start_time": "2025-07-16T07:32:41.625338",
"timestamp": "2025-07-16T07:32:42.146296",
"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": 0.243558,
"end_time": "2025-07-16T07:32:50.869576",
"message_sent": true,
"start_time": "2025-07-16T07:32:50.626018",
"timestamp": "2025-07-16T07:32:50.869576",
"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": 0.448449,
"end_time": "2025-07-16T07:32:41.875938",
"message_sent": true,
"start_time": "2025-07-16T07:32:41.427489",
"timestamp": "2025-07-16T07:32:41.875938",
"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": 0.285655,
"end_time": "2025-07-16T07:32:41.845636",
"message_sent": true,
"start_time": "2025-07-16T07:32:41.559981",
"timestamp": "2025-07-16T07:32:41.845636",
"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": 0.324381,
"end_time": "2025-07-16T07:32:50.688616",
"message_sent": true,
"start_time": "2025-07-16T07:32:50.364235",
"timestamp": "2025-07-16T07:32:50.688616",
"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": 0.00067,
"ended_at": "2025-07-16T07:33:26.494210",
"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\": 0.00067, \"started_at\": \"2025-07-16T07:33:26.493540\", \"ended_at\": \"2025-07-16T07:33:26.494210\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.208579,
"end_time": "2025-07-16T07:33:26.590968",
"message_sent": true,
"start_time": "2025-07-16T07:33:26.382389",
"timestamp": "2025-07-16T07:33:26.590968",
"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\": 0.00067, \"started_at\": \"2025-07-16T07:33:26.493540\", \"ended_at\": \"2025-07-16T07:33:26.494210\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-16T07:33:26.493540",
"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": "1",
"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": 12313122.0,
"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_1_20250716_073339.csv\nCSV content size: 2788 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_1_20250716_073339.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_1_20250716_073339.csv\", \"file_size_bytes\": 2788, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_1_20250716_073339.csv?\", \"upload_timestamp\": \"2025-07-16T07:33:40.044117\", \"records_uploaded\": 1, \"columns_count\": 110, \"data_summary\": {\"application_id\": \"1\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 12313122.0, \"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": 2.500066,
"end_time": "2025-07-16T07:33:40.325627",
"message_sent": true,
"start_time": "2025-07-16T07:33:37.825561",
"timestamp": "2025-07-16T07:33:40.325627",
"worker_executed": true,
"workers_notified": true
},
"file_size_bytes": 2788,
"filename": "loan_underwriting_1_20250716_073339.csv",
"output": "Error parsing previous node data: name \u0027UNRESOLVED_extract_application_info\u0027 is not defined\nGenerated CSV file: loan_underwriting_1_20250716_073339.csv\nCSV content size: 2788 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_1_20250716_073339.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_1_20250716_073339.csv\", \"file_size_bytes\": 2788, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_1_20250716_073339.csv?\", \"upload_timestamp\": \"2025-07-16T07:33:40.044117\", \"records_uploaded\": 1, \"columns_count\": 110, \"data_summary\": {\"application_id\": \"1\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 12313122.0, \"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_1_20250716_073339.csv?",
"records_uploaded": 1,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "upload_to_supabase",
"upload_status": "success",
"upload_timestamp": "2025-07-16T07:33:40.044117"
},
"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": 0.251441,
"end_time": "2025-07-16T07:32:36.518338",
"message_sent": true,
"start_time": "2025-07-16T07:32:36.266897",
"timestamp": "2025-07-16T07:32:36.518338",
"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": 0.62618,
"end_time": "2025-07-16T07:32:42.123707",
"message_sent": true,
"start_time": "2025-07-16T07:32:41.497527",
"timestamp": "2025-07-16T07:32:42.123707",
"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": 0.520958,
"end_time": "2025-07-16T07:32:42.146296",
"message_sent": true,
"start_time": "2025-07-16T07:32:41.625338",
"timestamp": "2025-07-16T07:32:42.146296",
"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": 0.243558,
"end_time": "2025-07-16T07:32:50.869576",
"message_sent": true,
"start_time": "2025-07-16T07:32:50.626018",
"timestamp": "2025-07-16T07:32:50.869576",
"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": 0.448449,
"end_time": "2025-07-16T07:32:41.875938",
"message_sent": true,
"start_time": "2025-07-16T07:32:41.427489",
"timestamp": "2025-07-16T07:32:41.875938",
"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": 0.285655,
"end_time": "2025-07-16T07:32:41.845636",
"message_sent": true,
"start_time": "2025-07-16T07:32:41.559981",
"timestamp": "2025-07-16T07:32:41.845636",
"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": 0.324381,
"end_time": "2025-07-16T07:32:50.688616",
"message_sent": true,
"start_time": "2025-07-16T07:32:50.364235",
"timestamp": "2025-07-16T07:32:50.688616",
"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
}
}