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": 0.326866,
"end_time": "2025-07-15T11:16:56.639881",
"message_sent": true,
"start_time": "2025-07-15T11:16:56.313015",
"timestamp": "2025-07-15T11:16:56.639881",
"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": 0.418354,
"end_time": "2025-07-15T11:10:32.068392",
"message_sent": true,
"start_time": "2025-07-15T11:10:31.650038",
"timestamp": "2025-07-15T11:10:32.068392",
"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": 0.342922,
"end_time": "2025-07-15T11:13:42.746875",
"message_sent": true,
"start_time": "2025-07-15T11:13:42.403953",
"timestamp": "2025-07-15T11:13:42.746875",
"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": 0.348552,
"end_time": "2025-07-15T11:10:31.961583",
"message_sent": true,
"start_time": "2025-07-15T11:10:31.613031",
"timestamp": "2025-07-15T11:10:31.961583",
"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 \"assessment\": \"All required fields are present and validated successfully. The application data is complete and accurate.\"\n },\n \"consistency_of_information\": {\n \"assessment\": \"No inconsistencies were noted in the provided customer information. All data appears to align with standard expectations for loan applications.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"assessment\": \"No red flags or inconsistencies were identified in the application. The information provided is consistent and reliable.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared with complete and accurate information. The absence of missing fields and validation issues contributes to a high quality score. Minor deductions are made for the lack of additional context or supporting documentation that could further enhance the assessment.\"\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 246,
"model": "gpt-4o-mini",
"output_length": 1016,
"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 \"assessment\": \"All required fields are present and validated successfully. The application data is complete and accurate.\"\n },\n \"consistency_of_information\": {\n \"assessment\": \"No inconsistencies were noted in the provided customer information. All data appears to align with standard expectations for loan applications.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"assessment\": \"No red flags or inconsistencies were identified in the application. The information provided is consistent and reliable.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared with complete and accurate information. The absence of missing fields and validation issues contributes to a high quality score. Minor deductions are made for the lack of additional context or supporting documentation that could further enhance the assessment.\"\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 \\\"assessment\\\": \\\"All required fields are present and validated successfully. The application data is complete and accurate.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"assessment\\\": \\\"No inconsistencies were noted in the provided customer information. All data appears to align with standard expectations for loan applications.\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"assessment\\\": \\\"No red flags or inconsistencies were identified in the application. The information provided is consistent and reliable.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is well-prepared with complete and accurate information. The absence of missing fields and validation issues contributes to a high quality score. Minor deductions are made for the lack of additional context or supporting documentation that could further enhance the assessment.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 4.19708,
"end_time": "2025-07-15T11:10:29.817168",
"message_sent": true,
"start_time": "2025-07-15T11:10:25.620088",
"timestamp": "2025-07-15T11:10:29.817168",
"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 \"assessment\": \"All required fields are present and validated successfully. The application data is complete and accurate.\"\n },\n \"consistency_of_information\": {\n \"assessment\": \"No inconsistencies were noted in the provided customer information. All data appears to align with standard expectations for loan applications.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"assessment\": \"No red flags or inconsistencies were identified in the application. The information provided is consistent and reliable.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared with complete and accurate information. The absence of missing fields and validation issues contributes to a high quality score. Minor deductions are made for the lack of additional context or supporting documentation that could further enhance the assessment.\"\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 \\\"assessment\\\": \\\"All required fields are present and validated successfully. The application data is complete and accurate.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"assessment\\\": \\\"No inconsistencies were noted in the provided customer information. All data appears to align with standard expectations for loan applications.\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"assessment\\\": \\\"No red flags or inconsistencies were identified in the application. The information provided is consistent and reliable.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is well-prepared with complete and accurate information. The absence of missing fields and validation issues contributes to a high quality score. Minor deductions are made for the lack of additional context or supporting documentation that could further enhance the assessment.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "application_quality_check"
},
"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": 0.327151,
"end_time": "2025-07-15T11:13:43.018218",
"message_sent": true,
"start_time": "2025-07-15T11:13:42.691067",
"timestamp": "2025-07-15T11:13:43.018218",
"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": {
"error": "Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpiaz9a7l_.py\", line 9, in \u003cmodule\u003e\n cibil_score = UNRESOLVED_check_cibil_score.credit_score\n ^^^^^^^^^^^^^^^^^^^^^^^^^^^^\nNameError: name \u0027UNRESOLVED_check_cibil_score\u0027 is not defined\n",
"execution_details": {
"failed": true,
"message_sent": true,
"worker_executed": true,
"workers_notified": true
},
"output": "Task failed: Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpiaz9a7l_.py\", line 9, in \u003cmodule\u003e\n cibil_score = UNRESOLVED_check_cibil_score.credit_score\n ^^^^^^^^^^^^^^^^^^^^^^^^^^^^\nNameError: name \u0027UNRESOLVED_check_cibil_score\u0027 is not defined\n",
"status": "FAILED",
"task_id": "calculate_credit_score"
},
"calculate_debt_to_income": {
"error": "Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpzq0vueqh.py\", line 20, in \u003cmodule\u003e\n max_allowed_ratio = UNRESOLVED_variables.max_debt_to_income_ratio\n ^^^^^^^^^^^^^^^^^^^^\nNameError: name \u0027UNRESOLVED_variables\u0027 is not defined\n",
"execution_details": {
"failed": true,
"message_sent": true,
"worker_executed": true,
"workers_notified": true
},
"output": "Task failed: Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpzq0vueqh.py\", line 20, in \u003cmodule\u003e\n max_allowed_ratio = UNRESOLVED_variables.max_debt_to_income_ratio\n ^^^^^^^^^^^^^^^^^^^^\nNameError: name \u0027UNRESOLVED_variables\u0027 is not defined\n",
"status": "FAILED",
"task_id": "calculate_debt_to_income"
},
"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": 0.327469,
"end_time": "2025-07-15T11:13:42.453168",
"message_sent": true,
"start_time": "2025-07-15T11:13:42.125699",
"timestamp": "2025-07-15T11:13:42.453168",
"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": "```json\n{\n \"overall_compliance_status\": \"Non-compliant\",\n \"risk_assessment\": {\n \"KYC\": \"High risk due to unresolved KYC compliance check.\",\n \"AML\": \"High risk due to unresolved AML screening.\",\n \"Regulatory\": \"High risk due to unresolved regulatory compliance.\",\n \"Internal Policy\": \"Low risk; internal policy compliance score is high.\"\n },\n \"compliance_gaps_or_concerns\": [\n \"Unresolved KYC compliance check poses a significant risk of identity fraud.\",\n \"Unresolved AML screening could lead to potential money laundering activities.\",\n \"Unresolved regulatory compliance may result in legal penalties and reputational damage.\"\n ],\n \"recommendations_for_proceeding\": [\n \"Prioritize resolving KYC compliance issues immediately.\",\n \"Conduct a thorough review and resolution of AML screening results.\",\n \"Address any outstanding regulatory compliance issues to mitigate legal risks.\",\n \"Continue to monitor internal policy adherence, as it currently shows high compliance.\"\n ],\n \"compliance_confidence_score\": 25\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 571,
"model": "gpt-4o-mini",
"output_length": 1056,
"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": "```json\n{\n \"overall_compliance_status\": \"Non-compliant\",\n \"risk_assessment\": {\n \"KYC\": \"High risk due to unresolved KYC compliance check.\",\n \"AML\": \"High risk due to unresolved AML screening.\",\n \"Regulatory\": \"High risk due to unresolved regulatory compliance.\",\n \"Internal Policy\": \"Low risk; internal policy compliance score is high.\"\n },\n \"compliance_gaps_or_concerns\": [\n \"Unresolved KYC compliance check poses a significant risk of identity fraud.\",\n \"Unresolved AML screening could lead to potential money laundering activities.\",\n \"Unresolved regulatory compliance may result in legal penalties and reputational damage.\"\n ],\n \"recommendations_for_proceeding\": [\n \"Prioritize resolving KYC compliance issues immediately.\",\n \"Conduct a thorough review and resolution of AML screening results.\",\n \"Address any outstanding regulatory compliance issues to mitigate legal risks.\",\n \"Continue to monitor internal policy adherence, as it currently shows high compliance.\"\n ],\n \"compliance_confidence_score\": 25\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Non-compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"KYC\\\": \\\"High risk due to unresolved KYC compliance check.\\\",\\n \\\"AML\\\": \\\"High risk due to unresolved AML screening.\\\",\\n \\\"Regulatory\\\": \\\"High risk due to unresolved regulatory compliance.\\\",\\n \\\"Internal Policy\\\": \\\"Low risk; internal policy compliance score is high.\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [\\n \\\"Unresolved KYC compliance check poses a significant risk of identity fraud.\\\",\\n \\\"Unresolved AML screening could lead to potential money laundering activities.\\\",\\n \\\"Unresolved regulatory compliance may result in legal penalties and reputational damage.\\\"\\n ],\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Prioritize resolving KYC compliance issues immediately.\\\",\\n \\\"Conduct a thorough review and resolution of AML screening results.\\\",\\n \\\"Address any outstanding regulatory compliance issues to mitigate legal risks.\\\",\\n \\\"Continue to monitor internal policy adherence, as it currently shows high compliance.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 25\\n}\\n```\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 4.407818,
"end_time": "2025-07-15T11:17:01.548312",
"message_sent": true,
"start_time": "2025-07-15T11:16:57.140494",
"timestamp": "2025-07-15T11:17:01.548312",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "compliance_reviewer",
"output": "```json\n{\n \"overall_compliance_status\": \"Non-compliant\",\n \"risk_assessment\": {\n \"KYC\": \"High risk due to unresolved KYC compliance check.\",\n \"AML\": \"High risk due to unresolved AML screening.\",\n \"Regulatory\": \"High risk due to unresolved regulatory compliance.\",\n \"Internal Policy\": \"Low risk; internal policy compliance score is high.\"\n },\n \"compliance_gaps_or_concerns\": [\n \"Unresolved KYC compliance check poses a significant risk of identity fraud.\",\n \"Unresolved AML screening could lead to potential money laundering activities.\",\n \"Unresolved regulatory compliance may result in legal penalties and reputational damage.\"\n ],\n \"recommendations_for_proceeding\": [\n \"Prioritize resolving KYC compliance issues immediately.\",\n \"Conduct a thorough review and resolution of AML screening results.\",\n \"Address any outstanding regulatory compliance issues to mitigate legal risks.\",\n \"Continue to monitor internal policy adherence, as it currently shows high compliance.\"\n ],\n \"compliance_confidence_score\": 25\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Non-compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"KYC\\\": \\\"High risk due to unresolved KYC compliance check.\\\",\\n \\\"AML\\\": \\\"High risk due to unresolved AML screening.\\\",\\n \\\"Regulatory\\\": \\\"High risk due to unresolved regulatory compliance.\\\",\\n \\\"Internal Policy\\\": \\\"Low risk; internal policy compliance score is high.\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [\\n \\\"Unresolved KYC compliance check poses a significant risk of identity fraud.\\\",\\n \\\"Unresolved AML screening could lead to potential money laundering activities.\\\",\\n \\\"Unresolved regulatory compliance may result in legal penalties and reputational damage.\\\"\\n ],\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Prioritize resolving KYC compliance issues immediately.\\\",\\n \\\"Conduct a thorough review and resolution of AML screening results.\\\",\\n \\\"Address any outstanding regulatory compliance issues to mitigate legal risks.\\\",\\n \\\"Continue to monitor internal policy adherence, as it currently shows high compliance.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 25\\n}\\n```\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "compliance_consolidation"
},
"consolidate_document_verification": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores and consistent information. Proceed with confidence.\"\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 822,
"model": "gpt-4o-mini",
"output_length": 336,
"provider": "openai",
"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores and consistent information. Proceed with confidence.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100,\\n \\\"consistency_across_documents\\\": {\\n \\\"name_match\\\": true,\\n \\\"address_match\\\": true\\n },\\n \\\"risk_factors_identified\\\": [],\\n \\\"recommendation_for_proceeding\\\": \\\"All documents have been successfully verified with high scores and consistent information. Proceed with confidence.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 2.696416,
"end_time": "2025-07-15T11:10:32.327680",
"message_sent": true,
"start_time": "2025-07-15T11:10:29.631264",
"timestamp": "2025-07-15T11:10:32.327680",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores and consistent information. Proceed with confidence.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100,\\n \\\"consistency_across_documents\\\": {\\n \\\"name_match\\\": true,\\n \\\"address_match\\\": true\\n },\\n \\\"risk_factors_identified\\\": [],\\n \\\"recommendation_for_proceeding\\\": \\\"All documents have been successfully verified with high scores and consistent information. Proceed with confidence.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "consolidate_document_verification"
},
"evaluate_default_risk": {
"agent_type": "assistant",
"ai_response": "To analyze the provided credit data for default risk, we will evaluate the key factors mentioned: credit score, credit history, repayment patterns, credit utilization, existing loan burden, and overall risk profile. Based on the information provided, we will derive a risk score and offer recommendations.\n\n### 1. Credit Score and History\n- **CIBIL Score**: The score is marked as \"UNRESOLVED_check_cibil_score,\" which means we cannot assess the creditworthiness based on this metric. A low score would indicate higher risk, while a high score would indicate lower risk.\n- **Credit History**: The credit history is also marked as \"UNRESOLVED_analyze_credit_history.\" Without specific details, we cannot assess the length of credit history or any negative marks (like late payments or defaults).\n\n### 2. Repayment Patterns\n- **Repayment Track Record**: The repayment track record is described as \"excellent.\" This suggests that the individual has consistently made timely payments on their loans, which is a positive indicator of creditworthiness.\n\n### 3. Credit Utilization\n- **Loan Burden Ratio**: The loan burden ratio is 0.28 (or 28%). This indicates that 28% of the individual\u0027s income is being used to service debt. Generally, a ratio below 30% is considered manageable, suggesting that the individual is not over-leveraged.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: The total monthly EMI is 7700.\n- **Outstanding Loans**: The total outstanding amount is 125,000, with two loans (personal and auto).\n- **Remaining Tenure**: The remaining tenure for the personal loan is 18 months, and for the auto loan, it is 24 months. This indicates that the individual is nearing the end of their personal loan repayment, which is a positive sign.\n\n### 5. Overall Risk Profile\n- Given the excellent repayment track record and manageable loan burden ratio, the overall risk profile appears to be favorable. However, the lack of information on the CIBIL score and credit history prevents a complete assessment.\n\n### Risk Score Calculation\nConsidering the available data:\n- **Repayment Track Record**: Excellent (low risk)\n- **Loan Burden Ratio**: 28% (low risk)\n- **Outstanding Loans**: 125,000 (moderate risk due to total amount)\n- **CIBIL Score and Credit History**: Unknown (high uncertainty)\n\nBased on these factors, we can assign a risk score. The unknowns regarding the CIBIL score and credit history introduce a level of uncertainty, but the positive indicators suggest a lower risk overall.\n\n**Risk Score: 40/100**\n- A score of 40 indicates a moderate risk level, primarily due to the unknowns in credit score and history.\n\n### Recommendations\n1. **Resolve CIBIL Score**: Obtain and review the CIBIL score to understand the creditworthiness better. If the score is low, work on improving it.\n2. **Maintain Excellent Repayment Patterns**: Continue making timely payments to maintain the excellent repayment track record.\n3. **Monitor Credit Utilization**: Keep the loan burden ratio below 30% to ensure manageable debt levels.\n4. **Consider Financial Planning**: If there are plans for additional loans, consider financial planning to avoid over-leverage.\n5. **Review Credit History**: If there are any negative marks in the credit history, work on resolving them to improve overall creditworthiness.\n\nBy addressing the unresolved aspects of the credit profile, the individual can further reduce their default risk and improve their overall financial health.",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 561,
"model": "gpt-4o-mini",
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"provider": "openai",
"system_message": "You are a credit risk assessment specialist. Analyze the provided credit data and calculate default risk.\n\nConsider:\n1. Credit score and history\n2. Repayment patterns\n3. Credit utilization\n4. Existing loan burden\n5. Overall risk profile\n\nProvide a risk score (1-100, where 100 is highest risk) and detailed risk analysis.\n"
},
"input_format": "json",
"model_client_id": "risk_assessor",
"output": "To analyze the provided credit data for default risk, we will evaluate the key factors mentioned: credit score, credit history, repayment patterns, credit utilization, existing loan burden, and overall risk profile. Based on the information provided, we will derive a risk score and offer recommendations.\n\n### 1. Credit Score and History\n- **CIBIL Score**: The score is marked as \"UNRESOLVED_check_cibil_score,\" which means we cannot assess the creditworthiness based on this metric. A low score would indicate higher risk, while a high score would indicate lower risk.\n- **Credit History**: The credit history is also marked as \"UNRESOLVED_analyze_credit_history.\" Without specific details, we cannot assess the length of credit history or any negative marks (like late payments or defaults).\n\n### 2. Repayment Patterns\n- **Repayment Track Record**: The repayment track record is described as \"excellent.\" This suggests that the individual has consistently made timely payments on their loans, which is a positive indicator of creditworthiness.\n\n### 3. Credit Utilization\n- **Loan Burden Ratio**: The loan burden ratio is 0.28 (or 28%). This indicates that 28% of the individual\u0027s income is being used to service debt. Generally, a ratio below 30% is considered manageable, suggesting that the individual is not over-leveraged.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: The total monthly EMI is 7700.\n- **Outstanding Loans**: The total outstanding amount is 125,000, with two loans (personal and auto).\n- **Remaining Tenure**: The remaining tenure for the personal loan is 18 months, and for the auto loan, it is 24 months. This indicates that the individual is nearing the end of their personal loan repayment, which is a positive sign.\n\n### 5. Overall Risk Profile\n- Given the excellent repayment track record and manageable loan burden ratio, the overall risk profile appears to be favorable. However, the lack of information on the CIBIL score and credit history prevents a complete assessment.\n\n### Risk Score Calculation\nConsidering the available data:\n- **Repayment Track Record**: Excellent (low risk)\n- **Loan Burden Ratio**: 28% (low risk)\n- **Outstanding Loans**: 125,000 (moderate risk due to total amount)\n- **CIBIL Score and Credit History**: Unknown (high uncertainty)\n\nBased on these factors, we can assign a risk score. The unknowns regarding the CIBIL score and credit history introduce a level of uncertainty, but the positive indicators suggest a lower risk overall.\n\n**Risk Score: 40/100**\n- A score of 40 indicates a moderate risk level, primarily due to the unknowns in credit score and history.\n\n### Recommendations\n1. **Resolve CIBIL Score**: Obtain and review the CIBIL score to understand the creditworthiness better. If the score is low, work on improving it.\n2. **Maintain Excellent Repayment Patterns**: Continue making timely payments to maintain the excellent repayment track record.\n3. **Monitor Credit Utilization**: Keep the loan burden ratio below 30% to ensure manageable debt levels.\n4. **Consider Financial Planning**: If there are plans for additional loans, consider financial planning to avoid over-leverage.\n5. **Review Credit History**: If there are any negative marks in the credit history, work on resolving them to improve overall creditworthiness.\n\nBy addressing the unresolved aspects of the credit profile, the individual can further reduce their default risk and improve their overall financial health.\n__OUTPUTS__ {\"ai_response\": \"To analyze the provided credit data for default risk, we will evaluate the key factors mentioned: credit score, credit history, repayment patterns, credit utilization, existing loan burden, and overall risk profile. Based on the information provided, we will derive a risk score and offer recommendations.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: The score is marked as \\\"UNRESOLVED_check_cibil_score,\\\" which means we cannot assess the creditworthiness based on this metric. A low score would indicate higher risk, while a high score would indicate lower risk.\\n- **Credit History**: The credit history is also marked as \\\"UNRESOLVED_analyze_credit_history.\\\" Without specific details, we cannot assess the length of credit history or any negative marks (like late payments or defaults).\\n\\n### 2. Repayment Patterns\\n- **Repayment Track Record**: The repayment track record is described as \\\"excellent.\\\" This suggests that the individual has consistently made timely payments on their loans, which is a positive indicator of creditworthiness.\\n\\n### 3. Credit Utilization\\n- **Loan Burden Ratio**: The loan burden ratio is 0.28 (or 28%). This indicates that 28% of the individual\u0027s income is being used to service debt. Generally, a ratio below 30% is considered manageable, suggesting that the individual is not over-leveraged.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: The total monthly EMI is 7700.\\n- **Outstanding Loans**: The total outstanding amount is 125,000, with two loans (personal and auto).\\n- **Remaining Tenure**: The remaining tenure for the personal loan is 18 months, and for the auto loan, it is 24 months. This indicates that the individual is nearing the end of their personal loan repayment, which is a positive sign.\\n\\n### 5. Overall Risk Profile\\n- Given the excellent repayment track record and manageable loan burden ratio, the overall risk profile appears to be favorable. However, the lack of information on the CIBIL score and credit history prevents a complete assessment.\\n\\n### Risk Score Calculation\\nConsidering the available data:\\n- **Repayment Track Record**: Excellent (low risk)\\n- **Loan Burden Ratio**: 28% (low risk)\\n- **Outstanding Loans**: 125,000 (moderate risk due to total amount)\\n- **CIBIL Score and Credit History**: Unknown (high uncertainty)\\n\\nBased on these factors, we can assign a risk score. The unknowns regarding the CIBIL score and credit history introduce a level of uncertainty, but the positive indicators suggest a lower risk overall.\\n\\n**Risk Score: 40/100**\\n- A score of 40 indicates a moderate risk level, primarily due to the unknowns in credit score and history.\\n\\n### Recommendations\\n1. **Resolve CIBIL Score**: Obtain and review the CIBIL score to understand the creditworthiness better. If the score is low, work on improving it.\\n2. **Maintain Excellent Repayment Patterns**: Continue making timely payments to maintain the excellent repayment track record.\\n3. **Monitor Credit Utilization**: Keep the loan burden ratio below 30% to ensure manageable debt levels.\\n4. **Consider Financial Planning**: If there are plans for additional loans, consider financial planning to avoid over-leverage.\\n5. **Review Credit History**: If there are any negative marks in the credit history, work on resolving them to improve overall creditworthiness.\\n\\nBy addressing the unresolved aspects of the credit profile, the individual can further reduce their default risk and improve their overall financial health.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 14.309663,
"end_time": "2025-07-15T11:13:57.278116",
"message_sent": true,
"start_time": "2025-07-15T11:13:42.968453",
"timestamp": "2025-07-15T11:13:57.278116",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "risk_assessor",
"output": "To analyze the provided credit data for default risk, we will evaluate the key factors mentioned: credit score, credit history, repayment patterns, credit utilization, existing loan burden, and overall risk profile. Based on the information provided, we will derive a risk score and offer recommendations.\n\n### 1. Credit Score and History\n- **CIBIL Score**: The score is marked as \"UNRESOLVED_check_cibil_score,\" which means we cannot assess the creditworthiness based on this metric. A low score would indicate higher risk, while a high score would indicate lower risk.\n- **Credit History**: The credit history is also marked as \"UNRESOLVED_analyze_credit_history.\" Without specific details, we cannot assess the length of credit history or any negative marks (like late payments or defaults).\n\n### 2. Repayment Patterns\n- **Repayment Track Record**: The repayment track record is described as \"excellent.\" This suggests that the individual has consistently made timely payments on their loans, which is a positive indicator of creditworthiness.\n\n### 3. Credit Utilization\n- **Loan Burden Ratio**: The loan burden ratio is 0.28 (or 28%). This indicates that 28% of the individual\u0027s income is being used to service debt. Generally, a ratio below 30% is considered manageable, suggesting that the individual is not over-leveraged.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: The total monthly EMI is 7700.\n- **Outstanding Loans**: The total outstanding amount is 125,000, with two loans (personal and auto).\n- **Remaining Tenure**: The remaining tenure for the personal loan is 18 months, and for the auto loan, it is 24 months. This indicates that the individual is nearing the end of their personal loan repayment, which is a positive sign.\n\n### 5. Overall Risk Profile\n- Given the excellent repayment track record and manageable loan burden ratio, the overall risk profile appears to be favorable. However, the lack of information on the CIBIL score and credit history prevents a complete assessment.\n\n### Risk Score Calculation\nConsidering the available data:\n- **Repayment Track Record**: Excellent (low risk)\n- **Loan Burden Ratio**: 28% (low risk)\n- **Outstanding Loans**: 125,000 (moderate risk due to total amount)\n- **CIBIL Score and Credit History**: Unknown (high uncertainty)\n\nBased on these factors, we can assign a risk score. The unknowns regarding the CIBIL score and credit history introduce a level of uncertainty, but the positive indicators suggest a lower risk overall.\n\n**Risk Score: 40/100**\n- A score of 40 indicates a moderate risk level, primarily due to the unknowns in credit score and history.\n\n### Recommendations\n1. **Resolve CIBIL Score**: Obtain and review the CIBIL score to understand the creditworthiness better. If the score is low, work on improving it.\n2. **Maintain Excellent Repayment Patterns**: Continue making timely payments to maintain the excellent repayment track record.\n3. **Monitor Credit Utilization**: Keep the loan burden ratio below 30% to ensure manageable debt levels.\n4. **Consider Financial Planning**: If there are plans for additional loans, consider financial planning to avoid over-leverage.\n5. **Review Credit History**: If there are any negative marks in the credit history, work on resolving them to improve overall creditworthiness.\n\nBy addressing the unresolved aspects of the credit profile, the individual can further reduce their default risk and improve their overall financial health.\n__OUTPUTS__ {\"ai_response\": \"To analyze the provided credit data for default risk, we will evaluate the key factors mentioned: credit score, credit history, repayment patterns, credit utilization, existing loan burden, and overall risk profile. Based on the information provided, we will derive a risk score and offer recommendations.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: The score is marked as \\\"UNRESOLVED_check_cibil_score,\\\" which means we cannot assess the creditworthiness based on this metric. A low score would indicate higher risk, while a high score would indicate lower risk.\\n- **Credit History**: The credit history is also marked as \\\"UNRESOLVED_analyze_credit_history.\\\" Without specific details, we cannot assess the length of credit history or any negative marks (like late payments or defaults).\\n\\n### 2. Repayment Patterns\\n- **Repayment Track Record**: The repayment track record is described as \\\"excellent.\\\" This suggests that the individual has consistently made timely payments on their loans, which is a positive indicator of creditworthiness.\\n\\n### 3. Credit Utilization\\n- **Loan Burden Ratio**: The loan burden ratio is 0.28 (or 28%). This indicates that 28% of the individual\u0027s income is being used to service debt. Generally, a ratio below 30% is considered manageable, suggesting that the individual is not over-leveraged.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: The total monthly EMI is 7700.\\n- **Outstanding Loans**: The total outstanding amount is 125,000, with two loans (personal and auto).\\n- **Remaining Tenure**: The remaining tenure for the personal loan is 18 months, and for the auto loan, it is 24 months. This indicates that the individual is nearing the end of their personal loan repayment, which is a positive sign.\\n\\n### 5. Overall Risk Profile\\n- Given the excellent repayment track record and manageable loan burden ratio, the overall risk profile appears to be favorable. However, the lack of information on the CIBIL score and credit history prevents a complete assessment.\\n\\n### Risk Score Calculation\\nConsidering the available data:\\n- **Repayment Track Record**: Excellent (low risk)\\n- **Loan Burden Ratio**: 28% (low risk)\\n- **Outstanding Loans**: 125,000 (moderate risk due to total amount)\\n- **CIBIL Score and Credit History**: Unknown (high uncertainty)\\n\\nBased on these factors, we can assign a risk score. The unknowns regarding the CIBIL score and credit history introduce a level of uncertainty, but the positive indicators suggest a lower risk overall.\\n\\n**Risk Score: 40/100**\\n- A score of 40 indicates a moderate risk level, primarily due to the unknowns in credit score and history.\\n\\n### Recommendations\\n1. **Resolve CIBIL Score**: Obtain and review the CIBIL score to understand the creditworthiness better. If the score is low, work on improving it.\\n2. **Maintain Excellent Repayment Patterns**: Continue making timely payments to maintain the excellent repayment track record.\\n3. **Monitor Credit Utilization**: Keep the loan burden ratio below 30% to ensure manageable debt levels.\\n4. **Consider Financial Planning**: If there are plans for additional loans, consider financial planning to avoid over-leverage.\\n5. **Review Credit History**: If there are any negative marks in the credit history, work on resolving them to improve overall creditworthiness.\\n\\nBy addressing the unresolved aspects of the credit profile, the individual can further reduce their default risk and improve their overall financial health.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "evaluate_default_risk"
},
"execution_summary": {
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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": 100000
},
"execution_details": {
"actual_result": {
"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\": 100000}, \"missing_fields\": []}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.262322,
"end_time": "2025-07-15T11:10:25.414260",
"message_sent": true,
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"timestamp": "2025-07-15T11:10:25.414260",
"worker_executed": true,
"workers_notified": true
},
"extraction_success": true,
"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\": 100000}, \"missing_fields\": []}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "extract_application_info"
},
"final_underwriting_analysis": {
"agent_type": "assistant",
"ai_response": "1. **Final Recommendation**: DECLINE\n\n2. **Loan Terms and Conditions**: N/A (Loan is declined)\n\n3. **Risk Mitigation Measures**: N/A (Loan is declined)\n\n4. **Reasoning for Decision**:\n - The application has multiple unresolved issues across critical assessment areas, including application quality, document verification, income assessment, credit score calculation, default risk evaluation, compliance consolidation, and debt-to-income ratio calculation. \n - Each of these unresolved factors poses a significant risk to the underwriting process. Without verified income, a calculated credit score, and a clear understanding of the applicant\u0027s debt-to-income ratio, it is impossible to accurately assess the applicant\u0027s ability to repay the loan.\n - The lack of compliance checks further complicates the decision, as it raises concerns about adherence to regulatory requirements, which could expose the lending institution to legal and financial risks.\n - Given the high level of uncertainty and the potential for significant risk, it is prudent to decline the application at this stage.\n\n5. **Confidence Level**: 95\n - The confidence level is high due to the clear absence of necessary information and the potential risks associated with proceeding without a thorough assessment.",
"execution_details": {
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"provider": "openai",
"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",
"model_client_id": "underwriting_analyst",
"output": "1. **Final Recommendation**: DECLINE\n\n2. **Loan Terms and Conditions**: N/A (Loan is declined)\n\n3. **Risk Mitigation Measures**: N/A (Loan is declined)\n\n4. **Reasoning for Decision**:\n - The application has multiple unresolved issues across critical assessment areas, including application quality, document verification, income assessment, credit score calculation, default risk evaluation, compliance consolidation, and debt-to-income ratio calculation. \n - Each of these unresolved factors poses a significant risk to the underwriting process. Without verified income, a calculated credit score, and a clear understanding of the applicant\u0027s debt-to-income ratio, it is impossible to accurately assess the applicant\u0027s ability to repay the loan.\n - The lack of compliance checks further complicates the decision, as it raises concerns about adherence to regulatory requirements, which could expose the lending institution to legal and financial risks.\n - Given the high level of uncertainty and the potential for significant risk, it is prudent to decline the application at this stage.\n\n5. **Confidence Level**: 95\n - The confidence level is high due to the clear absence of necessary information and the potential risks associated with proceeding without a thorough assessment.\n__OUTPUTS__ {\"ai_response\": \"1. **Final Recommendation**: DECLINE\\n\\n2. **Loan Terms and Conditions**: N/A (Loan is declined)\\n\\n3. **Risk Mitigation Measures**: N/A (Loan is declined)\\n\\n4. **Reasoning for Decision**:\\n - The application has multiple unresolved issues across critical assessment areas, including application quality, document verification, income assessment, credit score calculation, default risk evaluation, compliance consolidation, and debt-to-income ratio calculation. \\n - Each of these unresolved factors poses a significant risk to the underwriting process. Without verified income, a calculated credit score, and a clear understanding of the applicant\u0027s debt-to-income ratio, it is impossible to accurately assess the applicant\u0027s ability to repay the loan.\\n - The lack of compliance checks further complicates the decision, as it raises concerns about adherence to regulatory requirements, which could expose the lending institution to legal and financial risks.\\n - Given the high level of uncertainty and the potential for significant risk, it is prudent to decline the application at this stage.\\n\\n5. **Confidence Level**: 95\\n - The confidence level is high due to the clear absence of necessary information and the potential risks associated with proceeding without a thorough assessment.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 4.951278,
"end_time": "2025-07-15T11:17:05.969058",
"message_sent": true,
"start_time": "2025-07-15T11:17:01.017780",
"timestamp": "2025-07-15T11:17:05.969058",
"worker_executed": true,
"workers_notified": true
},
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"output": "1. **Final Recommendation**: DECLINE\n\n2. **Loan Terms and Conditions**: N/A (Loan is declined)\n\n3. **Risk Mitigation Measures**: N/A (Loan is declined)\n\n4. **Reasoning for Decision**:\n - The application has multiple unresolved issues across critical assessment areas, including application quality, document verification, income assessment, credit score calculation, default risk evaluation, compliance consolidation, and debt-to-income ratio calculation. \n - Each of these unresolved factors poses a significant risk to the underwriting process. Without verified income, a calculated credit score, and a clear understanding of the applicant\u0027s debt-to-income ratio, it is impossible to accurately assess the applicant\u0027s ability to repay the loan.\n - The lack of compliance checks further complicates the decision, as it raises concerns about adherence to regulatory requirements, which could expose the lending institution to legal and financial risks.\n - Given the high level of uncertainty and the potential for significant risk, it is prudent to decline the application at this stage.\n\n5. **Confidence Level**: 95\n - The confidence level is high due to the clear absence of necessary information and the potential risks associated with proceeding without a thorough assessment.\n__OUTPUTS__ {\"ai_response\": \"1. **Final Recommendation**: DECLINE\\n\\n2. **Loan Terms and Conditions**: N/A (Loan is declined)\\n\\n3. **Risk Mitigation Measures**: N/A (Loan is declined)\\n\\n4. **Reasoning for Decision**:\\n - The application has multiple unresolved issues across critical assessment areas, including application quality, document verification, income assessment, credit score calculation, default risk evaluation, compliance consolidation, and debt-to-income ratio calculation. \\n - Each of these unresolved factors poses a significant risk to the underwriting process. Without verified income, a calculated credit score, and a clear understanding of the applicant\u0027s debt-to-income ratio, it is impossible to accurately assess the applicant\u0027s ability to repay the loan.\\n - The lack of compliance checks further complicates the decision, as it raises concerns about adherence to regulatory requirements, which could expose the lending institution to legal and financial risks.\\n - Given the high level of uncertainty and the potential for significant risk, it is prudent to decline the application at this stage.\\n\\n5. **Confidence Level**: 95\\n - The confidence level is high due to the clear absence of necessary information and the potential risks associated with proceeding without a thorough assessment.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"ai_response": "Based on the provided income data and the context of the financial analysis, here is a detailed JSON assessment:\n\n```json\n{\n \"income_stability_assessment\": {\n \"job_stability_score\": 88.5,\n \"employment_type\": \"permanent\",\n \"probation_status\": \"confirmed\",\n \"employer_rating\": \"A+\",\n \"employment_verified\": true,\n \"stability_comment\": \"The individual has a strong job stability score and is employed in a permanent position with a reputable employer. This indicates a high level of income stability.\"\n },\n \"debt_servicing_capability\": {\n \"debt_to_income_ratio\": \"UNRESOLVED\",\n \"debt_servicing_comment\": \"Unable to calculate the debt-to-income ratio due to a script error. Further analysis of income and debt obligations is required to assess the individual\u0027s capability to service debt.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": \"UNRESOLVED\",\n \"tax_return_verification\": \"UNRESOLVED\",\n \"financial_discipline_comment\": \"Without the analysis of bank statements and tax returns, it is difficult to evaluate the individual\u0027s financial discipline. These documents are crucial for understanding spending habits and savings.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n \"Incomplete income data analysis due to unresolved components.\",\n \"Potential issues with debt servicing capability due to lack of debt-to-income ratio calculation.\"\n ],\n \"recommendations\": [\n \"Resolve the issues with salary slips, bank statements, and tax returns to complete the income assessment.\",\n \"Conduct a thorough review of the individual\u0027s debt obligations to calculate the debt-to-income ratio accurately.\",\n \"Consider additional documentation or alternative income verification methods to ensure a comprehensive assessment.\"\n ]\n },\n \"overall_income_adequacy_score\": {\n \"score\": 65,\n \"justification\": \"The score reflects a strong employment situation but is tempered by the unresolved issues in income verification and debt assessment. Further analysis is necessary to improve this score.\"\n }\n}\n```\n\n### Explanation of the JSON Assessment:\n\n1. **Income Stability Assessment**: The individual has a high job stability score and is employed permanently, indicating a stable income source.\n \n2. **Debt Servicing Capability**: The inability to calculate the debt-to-income ratio due to a script error limits the assessment of the individual\u0027s ability to manage debt.\n\n3. **Financial Discipline Evaluation**: Without the analysis of bank statements and tax returns, it\u0027s challenging to evaluate the individual\u0027s financial habits and discipline.\n\n4. **Risk Factors and Recommendations**: Identified risks include incomplete data analysis and potential issues with debt servicing. Recommendations focus on resolving data issues and conducting a thorough review of financial obligations.\n\n5. **Overall Income Adequacy Score**: The score of 65 reflects a reasonable level of income adequacy but highlights the need for further analysis to improve confidence in the assessment.",
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Further analysis of income and debt obligations is required to assess the individual\u0027s capability to service debt.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": \"UNRESOLVED\",\n \"tax_return_verification\": \"UNRESOLVED\",\n \"financial_discipline_comment\": \"Without the analysis of bank statements and tax returns, it is difficult to evaluate the individual\u0027s financial discipline. These documents are crucial for understanding spending habits and savings.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n \"Incomplete income data analysis due to unresolved components.\",\n \"Potential issues with debt servicing capability due to lack of debt-to-income ratio calculation.\"\n ],\n \"recommendations\": [\n \"Resolve the issues with salary slips, bank statements, and tax returns to complete the income assessment.\",\n \"Conduct a thorough review of the individual\u0027s debt obligations to calculate the debt-to-income ratio accurately.\",\n \"Consider additional documentation or alternative income verification methods to ensure a comprehensive assessment.\"\n ]\n },\n \"overall_income_adequacy_score\": {\n \"score\": 65,\n \"justification\": \"The score reflects a strong employment situation but is tempered by the unresolved issues in income verification and debt assessment. Further analysis is necessary to improve this score.\"\n }\n}\n```\n\n### Explanation of the JSON Assessment:\n\n1. **Income Stability Assessment**: The individual has a high job stability score and is employed permanently, indicating a stable income source.\n \n2. **Debt Servicing Capability**: The inability to calculate the debt-to-income ratio due to a script error limits the assessment of the individual\u0027s ability to manage debt.\n\n3. **Financial Discipline Evaluation**: Without the analysis of bank statements and tax returns, it\u0027s challenging to evaluate the individual\u0027s financial habits and discipline.\n\n4. **Risk Factors and Recommendations**: Identified risks include incomplete data analysis and potential issues with debt servicing. Recommendations focus on resolving data issues and conducting a thorough review of financial obligations.\n\n5. **Overall Income Adequacy Score**: The score of 65 reflects a reasonable level of income adequacy but highlights the need for further analysis to improve confidence in the assessment.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided income data and the context of the financial analysis, here is a detailed JSON assessment:\\n\\n```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"job_stability_score\\\": 88.5,\\n \\\"employment_type\\\": \\\"permanent\\\",\\n \\\"probation_status\\\": \\\"confirmed\\\",\\n \\\"employer_rating\\\": \\\"A+\\\",\\n \\\"employment_verified\\\": true,\\n \\\"stability_comment\\\": \\\"The individual has a strong job stability score and is employed in a permanent position with a reputable employer. This indicates a high level of income stability.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"debt_to_income_ratio\\\": \\\"UNRESOLVED\\\",\\n \\\"debt_servicing_comment\\\": \\\"Unable to calculate the debt-to-income ratio due to a script error. Further analysis of income and debt obligations is required to assess the individual\u0027s capability to service debt.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": \\\"UNRESOLVED\\\",\\n \\\"tax_return_verification\\\": \\\"UNRESOLVED\\\",\\n \\\"financial_discipline_comment\\\": \\\"Without the analysis of bank statements and tax returns, it is difficult to evaluate the individual\u0027s financial discipline. These documents are crucial for understanding spending habits and savings.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [\\n \\\"Incomplete income data analysis due to unresolved components.\\\",\\n \\\"Potential issues with debt servicing capability due to lack of debt-to-income ratio calculation.\\\"\\n ],\\n \\\"recommendations\\\": [\\n \\\"Resolve the issues with salary slips, bank statements, and tax returns to complete the income assessment.\\\",\\n \\\"Conduct a thorough review of the individual\u0027s debt obligations to calculate the debt-to-income ratio accurately.\\\",\\n \\\"Consider additional documentation or alternative income verification methods to ensure a comprehensive assessment.\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": {\\n \\\"score\\\": 65,\\n \\\"justification\\\": \\\"The score reflects a strong employment situation but is tempered by the unresolved issues in income verification and debt assessment. Further analysis is necessary to improve this score.\\\"\\n }\\n}\\n```\\n\\n### Explanation of the JSON Assessment:\\n\\n1. **Income Stability Assessment**: The individual has a high job stability score and is employed permanently, indicating a stable income source.\\n \\n2. **Debt Servicing Capability**: The inability to calculate the debt-to-income ratio due to a script error limits the assessment of the individual\u0027s ability to manage debt.\\n\\n3. **Financial Discipline Evaluation**: Without the analysis of bank statements and tax returns, it\u0027s challenging to evaluate the individual\u0027s financial habits and discipline.\\n\\n4. **Risk Factors and Recommendations**: Identified risks include incomplete data analysis and potential issues with debt servicing. 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Further analysis of income and debt obligations is required to assess the individual\u0027s capability to service debt.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": \"UNRESOLVED\",\n \"tax_return_verification\": \"UNRESOLVED\",\n \"financial_discipline_comment\": \"Without the analysis of bank statements and tax returns, it is difficult to evaluate the individual\u0027s financial discipline. These documents are crucial for understanding spending habits and savings.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n \"Incomplete income data analysis due to unresolved components.\",\n \"Potential issues with debt servicing capability due to lack of debt-to-income ratio calculation.\"\n ],\n \"recommendations\": [\n \"Resolve the issues with salary slips, bank statements, and tax returns to complete the income assessment.\",\n \"Conduct a thorough review of the individual\u0027s debt obligations to calculate the debt-to-income ratio accurately.\",\n \"Consider additional documentation or alternative income verification methods to ensure a comprehensive assessment.\"\n ]\n },\n \"overall_income_adequacy_score\": {\n \"score\": 65,\n \"justification\": \"The score reflects a strong employment situation but is tempered by the unresolved issues in income verification and debt assessment. Further analysis is necessary to improve this score.\"\n }\n}\n```\n\n### Explanation of the JSON Assessment:\n\n1. **Income Stability Assessment**: The individual has a high job stability score and is employed permanently, indicating a stable income source.\n \n2. **Debt Servicing Capability**: The inability to calculate the debt-to-income ratio due to a script error limits the assessment of the individual\u0027s ability to manage debt.\n\n3. **Financial Discipline Evaluation**: Without the analysis of bank statements and tax returns, it\u0027s challenging to evaluate the individual\u0027s financial habits and discipline.\n\n4. **Risk Factors and Recommendations**: Identified risks include incomplete data analysis and potential issues with debt servicing. 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This indicates a high level of income stability.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"debt_to_income_ratio\\\": \\\"UNRESOLVED\\\",\\n \\\"debt_servicing_comment\\\": \\\"Unable to calculate the debt-to-income ratio due to a script error. Further analysis of income and debt obligations is required to assess the individual\u0027s capability to service debt.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": \\\"UNRESOLVED\\\",\\n \\\"tax_return_verification\\\": \\\"UNRESOLVED\\\",\\n \\\"financial_discipline_comment\\\": \\\"Without the analysis of bank statements and tax returns, it is difficult to evaluate the individual\u0027s financial discipline. These documents are crucial for understanding spending habits and savings.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [\\n \\\"Incomplete income data analysis due to unresolved components.\\\",\\n \\\"Potential issues with debt servicing capability due to lack of debt-to-income ratio calculation.\\\"\\n ],\\n \\\"recommendations\\\": [\\n \\\"Resolve the issues with salary slips, bank statements, and tax returns to complete the income assessment.\\\",\\n \\\"Conduct a thorough review of the individual\u0027s debt obligations to calculate the debt-to-income ratio accurately.\\\",\\n \\\"Consider additional documentation or alternative income verification methods to ensure a comprehensive assessment.\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": {\\n \\\"score\\\": 65,\\n \\\"justification\\\": \\\"The score reflects a strong employment situation but is tempered by the unresolved issues in income verification and debt assessment. Further analysis is necessary to improve this score.\\\"\\n }\\n}\\n```\\n\\n### Explanation of the JSON Assessment:\\n\\n1. **Income Stability Assessment**: The individual has a high job stability score and is employed permanently, indicating a stable income source.\\n \\n2. **Debt Servicing Capability**: The inability to calculate the debt-to-income ratio due to a script error limits the assessment of the individual\u0027s ability to manage debt.\\n\\n3. **Financial Discipline Evaluation**: Without the analysis of bank statements and tax returns, it\u0027s challenging to evaluate the individual\u0027s financial habits and discipline.\\n\\n4. **Risk Factors and Recommendations**: Identified risks include incomplete data analysis and potential issues with debt servicing. 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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",
"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": 0.342922,
"end_time": "2025-07-15T11:13:42.746875",
"message_sent": true,
"start_time": "2025-07-15T11:13:42.403953",
"timestamp": "2025-07-15T11:13:42.746875",
"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": 0.348552,
"end_time": "2025-07-15T11:10:31.961583",
"message_sent": true,
"start_time": "2025-07-15T11:10:31.613031",
"timestamp": "2025-07-15T11:10:31.961583",
"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 \"assessment\": \"All required fields are present and validated successfully. The application data is complete and accurate.\"\n },\n \"consistency_of_information\": {\n \"assessment\": \"No inconsistencies were noted in the provided customer information. All data appears to align with standard expectations for loan applications.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"assessment\": \"No red flags or inconsistencies were identified in the application. The information provided is consistent and reliable.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared with complete and accurate information. The absence of missing fields and validation issues contributes to a high quality score. Minor deductions are made for the lack of additional context or supporting documentation that could further enhance the assessment.\"\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 246,
"model": "gpt-4o-mini",
"output_length": 1016,
"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 \"assessment\": \"All required fields are present and validated successfully. The application data is complete and accurate.\"\n },\n \"consistency_of_information\": {\n \"assessment\": \"No inconsistencies were noted in the provided customer information. All data appears to align with standard expectations for loan applications.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"assessment\": \"No red flags or inconsistencies were identified in the application. The information provided is consistent and reliable.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared with complete and accurate information. The absence of missing fields and validation issues contributes to a high quality score. Minor deductions are made for the lack of additional context or supporting documentation that could further enhance the assessment.\"\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 \\\"assessment\\\": \\\"All required fields are present and validated successfully. The application data is complete and accurate.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"assessment\\\": \\\"No inconsistencies were noted in the provided customer information. All data appears to align with standard expectations for loan applications.\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"assessment\\\": \\\"No red flags or inconsistencies were identified in the application. The information provided is consistent and reliable.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is well-prepared with complete and accurate information. The absence of missing fields and validation issues contributes to a high quality score. Minor deductions are made for the lack of additional context or supporting documentation that could further enhance the assessment.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 4.19708,
"end_time": "2025-07-15T11:10:29.817168",
"message_sent": true,
"start_time": "2025-07-15T11:10:25.620088",
"timestamp": "2025-07-15T11:10:29.817168",
"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 \"assessment\": \"All required fields are present and validated successfully. The application data is complete and accurate.\"\n },\n \"consistency_of_information\": {\n \"assessment\": \"No inconsistencies were noted in the provided customer information. All data appears to align with standard expectations for loan applications.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"assessment\": \"No red flags or inconsistencies were identified in the application. The information provided is consistent and reliable.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is well-prepared with complete and accurate information. The absence of missing fields and validation issues contributes to a high quality score. Minor deductions are made for the lack of additional context or supporting documentation that could further enhance the assessment.\"\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 \\\"assessment\\\": \\\"All required fields are present and validated successfully. The application data is complete and accurate.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"assessment\\\": \\\"No inconsistencies were noted in the provided customer information. All data appears to align with standard expectations for loan applications.\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"assessment\\\": \\\"No red flags or inconsistencies were identified in the application. The information provided is consistent and reliable.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is well-prepared with complete and accurate information. The absence of missing fields and validation issues contributes to a high quality score. Minor deductions are made for the lack of additional context or supporting documentation that could further enhance the assessment.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "application_quality_check"
},
"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": 0.327151,
"end_time": "2025-07-15T11:13:43.018218",
"message_sent": true,
"start_time": "2025-07-15T11:13:42.691067",
"timestamp": "2025-07-15T11:13:43.018218",
"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": {
"error": "Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpiaz9a7l_.py\", line 9, in \u003cmodule\u003e\n cibil_score = UNRESOLVED_check_cibil_score.credit_score\n ^^^^^^^^^^^^^^^^^^^^^^^^^^^^\nNameError: name \u0027UNRESOLVED_check_cibil_score\u0027 is not defined\n",
"execution_details": {
"failed": true,
"message_sent": true,
"worker_executed": true,
"workers_notified": true
},
"output": "Task failed: Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpiaz9a7l_.py\", line 9, in \u003cmodule\u003e\n cibil_score = UNRESOLVED_check_cibil_score.credit_score\n ^^^^^^^^^^^^^^^^^^^^^^^^^^^^\nNameError: name \u0027UNRESOLVED_check_cibil_score\u0027 is not defined\n",
"status": "FAILED",
"task_id": "calculate_credit_score"
},
"calculate_debt_to_income": {
"error": "Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpzq0vueqh.py\", line 20, in \u003cmodule\u003e\n max_allowed_ratio = UNRESOLVED_variables.max_debt_to_income_ratio\n ^^^^^^^^^^^^^^^^^^^^\nNameError: name \u0027UNRESOLVED_variables\u0027 is not defined\n",
"execution_details": {
"failed": true,
"message_sent": true,
"worker_executed": true,
"workers_notified": true
},
"output": "Task failed: Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpzq0vueqh.py\", line 20, in \u003cmodule\u003e\n max_allowed_ratio = UNRESOLVED_variables.max_debt_to_income_ratio\n ^^^^^^^^^^^^^^^^^^^^\nNameError: name \u0027UNRESOLVED_variables\u0027 is not defined\n",
"status": "FAILED",
"task_id": "calculate_debt_to_income"
},
"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": 0.327469,
"end_time": "2025-07-15T11:13:42.453168",
"message_sent": true,
"start_time": "2025-07-15T11:13:42.125699",
"timestamp": "2025-07-15T11:13:42.453168",
"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": "```json\n{\n \"overall_compliance_status\": \"Non-compliant\",\n \"risk_assessment\": {\n \"KYC\": \"High risk due to unresolved KYC compliance check.\",\n \"AML\": \"High risk due to unresolved AML screening.\",\n \"Regulatory\": \"High risk due to unresolved regulatory compliance.\",\n \"Internal Policy\": \"Low risk; internal policy compliance score is high.\"\n },\n \"compliance_gaps_or_concerns\": [\n \"Unresolved KYC compliance check poses a significant risk of identity fraud.\",\n \"Unresolved AML screening could lead to potential money laundering activities.\",\n \"Unresolved regulatory compliance may result in legal penalties and reputational damage.\"\n ],\n \"recommendations_for_proceeding\": [\n \"Prioritize resolving KYC compliance issues immediately.\",\n \"Conduct a thorough review and resolution of AML screening results.\",\n \"Address any outstanding regulatory compliance issues to mitigate legal risks.\",\n \"Continue to monitor internal policy adherence, as it currently shows high compliance.\"\n ],\n \"compliance_confidence_score\": 25\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 571,
"model": "gpt-4o-mini",
"output_length": 1056,
"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": "```json\n{\n \"overall_compliance_status\": \"Non-compliant\",\n \"risk_assessment\": {\n \"KYC\": \"High risk due to unresolved KYC compliance check.\",\n \"AML\": \"High risk due to unresolved AML screening.\",\n \"Regulatory\": \"High risk due to unresolved regulatory compliance.\",\n \"Internal Policy\": \"Low risk; internal policy compliance score is high.\"\n },\n \"compliance_gaps_or_concerns\": [\n \"Unresolved KYC compliance check poses a significant risk of identity fraud.\",\n \"Unresolved AML screening could lead to potential money laundering activities.\",\n \"Unresolved regulatory compliance may result in legal penalties and reputational damage.\"\n ],\n \"recommendations_for_proceeding\": [\n \"Prioritize resolving KYC compliance issues immediately.\",\n \"Conduct a thorough review and resolution of AML screening results.\",\n \"Address any outstanding regulatory compliance issues to mitigate legal risks.\",\n \"Continue to monitor internal policy adherence, as it currently shows high compliance.\"\n ],\n \"compliance_confidence_score\": 25\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Non-compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"KYC\\\": \\\"High risk due to unresolved KYC compliance check.\\\",\\n \\\"AML\\\": \\\"High risk due to unresolved AML screening.\\\",\\n \\\"Regulatory\\\": \\\"High risk due to unresolved regulatory compliance.\\\",\\n \\\"Internal Policy\\\": \\\"Low risk; internal policy compliance score is high.\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [\\n \\\"Unresolved KYC compliance check poses a significant risk of identity fraud.\\\",\\n \\\"Unresolved AML screening could lead to potential money laundering activities.\\\",\\n \\\"Unresolved regulatory compliance may result in legal penalties and reputational damage.\\\"\\n ],\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Prioritize resolving KYC compliance issues immediately.\\\",\\n \\\"Conduct a thorough review and resolution of AML screening results.\\\",\\n \\\"Address any outstanding regulatory compliance issues to mitigate legal risks.\\\",\\n \\\"Continue to monitor internal policy adherence, as it currently shows high compliance.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 25\\n}\\n```\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 4.407818,
"end_time": "2025-07-15T11:17:01.548312",
"message_sent": true,
"start_time": "2025-07-15T11:16:57.140494",
"timestamp": "2025-07-15T11:17:01.548312",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "compliance_reviewer",
"output": "```json\n{\n \"overall_compliance_status\": \"Non-compliant\",\n \"risk_assessment\": {\n \"KYC\": \"High risk due to unresolved KYC compliance check.\",\n \"AML\": \"High risk due to unresolved AML screening.\",\n \"Regulatory\": \"High risk due to unresolved regulatory compliance.\",\n \"Internal Policy\": \"Low risk; internal policy compliance score is high.\"\n },\n \"compliance_gaps_or_concerns\": [\n \"Unresolved KYC compliance check poses a significant risk of identity fraud.\",\n \"Unresolved AML screening could lead to potential money laundering activities.\",\n \"Unresolved regulatory compliance may result in legal penalties and reputational damage.\"\n ],\n \"recommendations_for_proceeding\": [\n \"Prioritize resolving KYC compliance issues immediately.\",\n \"Conduct a thorough review and resolution of AML screening results.\",\n \"Address any outstanding regulatory compliance issues to mitigate legal risks.\",\n \"Continue to monitor internal policy adherence, as it currently shows high compliance.\"\n ],\n \"compliance_confidence_score\": 25\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Non-compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"KYC\\\": \\\"High risk due to unresolved KYC compliance check.\\\",\\n \\\"AML\\\": \\\"High risk due to unresolved AML screening.\\\",\\n \\\"Regulatory\\\": \\\"High risk due to unresolved regulatory compliance.\\\",\\n \\\"Internal Policy\\\": \\\"Low risk; internal policy compliance score is high.\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [\\n \\\"Unresolved KYC compliance check poses a significant risk of identity fraud.\\\",\\n \\\"Unresolved AML screening could lead to potential money laundering activities.\\\",\\n \\\"Unresolved regulatory compliance may result in legal penalties and reputational damage.\\\"\\n ],\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Prioritize resolving KYC compliance issues immediately.\\\",\\n \\\"Conduct a thorough review and resolution of AML screening results.\\\",\\n \\\"Address any outstanding regulatory compliance issues to mitigate legal risks.\\\",\\n \\\"Continue to monitor internal policy adherence, as it currently shows high compliance.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 25\\n}\\n```\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "compliance_consolidation"
},
"consolidate_document_verification": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores and consistent information. Proceed with confidence.\"\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 822,
"model": "gpt-4o-mini",
"output_length": 336,
"provider": "openai",
"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores and consistent information. Proceed with confidence.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100,\\n \\\"consistency_across_documents\\\": {\\n \\\"name_match\\\": true,\\n \\\"address_match\\\": true\\n },\\n \\\"risk_factors_identified\\\": [],\\n \\\"recommendation_for_proceeding\\\": \\\"All documents have been successfully verified with high scores and consistent information. Proceed with confidence.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 2.696416,
"end_time": "2025-07-15T11:10:32.327680",
"message_sent": true,
"start_time": "2025-07-15T11:10:29.631264",
"timestamp": "2025-07-15T11:10:32.327680",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores and consistent information. Proceed with confidence.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100,\\n \\\"consistency_across_documents\\\": {\\n \\\"name_match\\\": true,\\n \\\"address_match\\\": true\\n },\\n \\\"risk_factors_identified\\\": [],\\n \\\"recommendation_for_proceeding\\\": \\\"All documents have been successfully verified with high scores and consistent information. Proceed with confidence.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "consolidate_document_verification"
},
"evaluate_default_risk": {
"agent_type": "assistant",
"ai_response": "To analyze the provided credit data for default risk, we will evaluate the key factors mentioned: credit score, credit history, repayment patterns, credit utilization, existing loan burden, and overall risk profile. Based on the information provided, we will derive a risk score and offer recommendations.\n\n### 1. Credit Score and History\n- **CIBIL Score**: The score is marked as \"UNRESOLVED_check_cibil_score,\" which means we cannot assess the creditworthiness based on this metric. A low score would indicate higher risk, while a high score would indicate lower risk.\n- **Credit History**: The credit history is also marked as \"UNRESOLVED_analyze_credit_history.\" Without specific details, we cannot assess the length of credit history or any negative marks (like late payments or defaults).\n\n### 2. Repayment Patterns\n- **Repayment Track Record**: The repayment track record is described as \"excellent.\" This suggests that the individual has consistently made timely payments on their loans, which is a positive indicator of creditworthiness.\n\n### 3. Credit Utilization\n- **Loan Burden Ratio**: The loan burden ratio is 0.28 (or 28%). This indicates that 28% of the individual\u0027s income is being used to service debt. Generally, a ratio below 30% is considered manageable, suggesting that the individual is not over-leveraged.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: The total monthly EMI is 7700.\n- **Outstanding Loans**: The total outstanding amount is 125,000, with two loans (personal and auto).\n- **Remaining Tenure**: The remaining tenure for the personal loan is 18 months, and for the auto loan, it is 24 months. This indicates that the individual is nearing the end of their personal loan repayment, which is a positive sign.\n\n### 5. Overall Risk Profile\n- Given the excellent repayment track record and manageable loan burden ratio, the overall risk profile appears to be favorable. However, the lack of information on the CIBIL score and credit history prevents a complete assessment.\n\n### Risk Score Calculation\nConsidering the available data:\n- **Repayment Track Record**: Excellent (low risk)\n- **Loan Burden Ratio**: 28% (low risk)\n- **Outstanding Loans**: 125,000 (moderate risk due to total amount)\n- **CIBIL Score and Credit History**: Unknown (high uncertainty)\n\nBased on these factors, we can assign a risk score. The unknowns regarding the CIBIL score and credit history introduce a level of uncertainty, but the positive indicators suggest a lower risk overall.\n\n**Risk Score: 40/100**\n- A score of 40 indicates a moderate risk level, primarily due to the unknowns in credit score and history.\n\n### Recommendations\n1. **Resolve CIBIL Score**: Obtain and review the CIBIL score to understand the creditworthiness better. If the score is low, work on improving it.\n2. **Maintain Excellent Repayment Patterns**: Continue making timely payments to maintain the excellent repayment track record.\n3. **Monitor Credit Utilization**: Keep the loan burden ratio below 30% to ensure manageable debt levels.\n4. **Consider Financial Planning**: If there are plans for additional loans, consider financial planning to avoid over-leverage.\n5. **Review Credit History**: If there are any negative marks in the credit history, work on resolving them to improve overall creditworthiness.\n\nBy addressing the unresolved aspects of the credit profile, the individual can further reduce their default risk and improve their overall financial health.",
"execution_details": {
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"provider": "openai",
"system_message": "You are a credit risk assessment specialist. Analyze the provided credit data and calculate default risk.\n\nConsider:\n1. Credit score and history\n2. Repayment patterns\n3. Credit utilization\n4. Existing loan burden\n5. Overall risk profile\n\nProvide a risk score (1-100, where 100 is highest risk) and detailed risk analysis.\n"
},
"input_format": "json",
"model_client_id": "risk_assessor",
"output": "To analyze the provided credit data for default risk, we will evaluate the key factors mentioned: credit score, credit history, repayment patterns, credit utilization, existing loan burden, and overall risk profile. Based on the information provided, we will derive a risk score and offer recommendations.\n\n### 1. Credit Score and History\n- **CIBIL Score**: The score is marked as \"UNRESOLVED_check_cibil_score,\" which means we cannot assess the creditworthiness based on this metric. A low score would indicate higher risk, while a high score would indicate lower risk.\n- **Credit History**: The credit history is also marked as \"UNRESOLVED_analyze_credit_history.\" Without specific details, we cannot assess the length of credit history or any negative marks (like late payments or defaults).\n\n### 2. Repayment Patterns\n- **Repayment Track Record**: The repayment track record is described as \"excellent.\" This suggests that the individual has consistently made timely payments on their loans, which is a positive indicator of creditworthiness.\n\n### 3. Credit Utilization\n- **Loan Burden Ratio**: The loan burden ratio is 0.28 (or 28%). This indicates that 28% of the individual\u0027s income is being used to service debt. Generally, a ratio below 30% is considered manageable, suggesting that the individual is not over-leveraged.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: The total monthly EMI is 7700.\n- **Outstanding Loans**: The total outstanding amount is 125,000, with two loans (personal and auto).\n- **Remaining Tenure**: The remaining tenure for the personal loan is 18 months, and for the auto loan, it is 24 months. This indicates that the individual is nearing the end of their personal loan repayment, which is a positive sign.\n\n### 5. Overall Risk Profile\n- Given the excellent repayment track record and manageable loan burden ratio, the overall risk profile appears to be favorable. However, the lack of information on the CIBIL score and credit history prevents a complete assessment.\n\n### Risk Score Calculation\nConsidering the available data:\n- **Repayment Track Record**: Excellent (low risk)\n- **Loan Burden Ratio**: 28% (low risk)\n- **Outstanding Loans**: 125,000 (moderate risk due to total amount)\n- **CIBIL Score and Credit History**: Unknown (high uncertainty)\n\nBased on these factors, we can assign a risk score. The unknowns regarding the CIBIL score and credit history introduce a level of uncertainty, but the positive indicators suggest a lower risk overall.\n\n**Risk Score: 40/100**\n- A score of 40 indicates a moderate risk level, primarily due to the unknowns in credit score and history.\n\n### Recommendations\n1. **Resolve CIBIL Score**: Obtain and review the CIBIL score to understand the creditworthiness better. If the score is low, work on improving it.\n2. **Maintain Excellent Repayment Patterns**: Continue making timely payments to maintain the excellent repayment track record.\n3. **Monitor Credit Utilization**: Keep the loan burden ratio below 30% to ensure manageable debt levels.\n4. **Consider Financial Planning**: If there are plans for additional loans, consider financial planning to avoid over-leverage.\n5. **Review Credit History**: If there are any negative marks in the credit history, work on resolving them to improve overall creditworthiness.\n\nBy addressing the unresolved aspects of the credit profile, the individual can further reduce their default risk and improve their overall financial health.\n__OUTPUTS__ {\"ai_response\": \"To analyze the provided credit data for default risk, we will evaluate the key factors mentioned: credit score, credit history, repayment patterns, credit utilization, existing loan burden, and overall risk profile. Based on the information provided, we will derive a risk score and offer recommendations.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: The score is marked as \\\"UNRESOLVED_check_cibil_score,\\\" which means we cannot assess the creditworthiness based on this metric. A low score would indicate higher risk, while a high score would indicate lower risk.\\n- **Credit History**: The credit history is also marked as \\\"UNRESOLVED_analyze_credit_history.\\\" Without specific details, we cannot assess the length of credit history or any negative marks (like late payments or defaults).\\n\\n### 2. Repayment Patterns\\n- **Repayment Track Record**: The repayment track record is described as \\\"excellent.\\\" This suggests that the individual has consistently made timely payments on their loans, which is a positive indicator of creditworthiness.\\n\\n### 3. Credit Utilization\\n- **Loan Burden Ratio**: The loan burden ratio is 0.28 (or 28%). This indicates that 28% of the individual\u0027s income is being used to service debt. Generally, a ratio below 30% is considered manageable, suggesting that the individual is not over-leveraged.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: The total monthly EMI is 7700.\\n- **Outstanding Loans**: The total outstanding amount is 125,000, with two loans (personal and auto).\\n- **Remaining Tenure**: The remaining tenure for the personal loan is 18 months, and for the auto loan, it is 24 months. This indicates that the individual is nearing the end of their personal loan repayment, which is a positive sign.\\n\\n### 5. Overall Risk Profile\\n- Given the excellent repayment track record and manageable loan burden ratio, the overall risk profile appears to be favorable. However, the lack of information on the CIBIL score and credit history prevents a complete assessment.\\n\\n### Risk Score Calculation\\nConsidering the available data:\\n- **Repayment Track Record**: Excellent (low risk)\\n- **Loan Burden Ratio**: 28% (low risk)\\n- **Outstanding Loans**: 125,000 (moderate risk due to total amount)\\n- **CIBIL Score and Credit History**: Unknown (high uncertainty)\\n\\nBased on these factors, we can assign a risk score. The unknowns regarding the CIBIL score and credit history introduce a level of uncertainty, but the positive indicators suggest a lower risk overall.\\n\\n**Risk Score: 40/100**\\n- A score of 40 indicates a moderate risk level, primarily due to the unknowns in credit score and history.\\n\\n### Recommendations\\n1. **Resolve CIBIL Score**: Obtain and review the CIBIL score to understand the creditworthiness better. If the score is low, work on improving it.\\n2. **Maintain Excellent Repayment Patterns**: Continue making timely payments to maintain the excellent repayment track record.\\n3. **Monitor Credit Utilization**: Keep the loan burden ratio below 30% to ensure manageable debt levels.\\n4. **Consider Financial Planning**: If there are plans for additional loans, consider financial planning to avoid over-leverage.\\n5. **Review Credit History**: If there are any negative marks in the credit history, work on resolving them to improve overall creditworthiness.\\n\\nBy addressing the unresolved aspects of the credit profile, the individual can further reduce their default risk and improve their overall financial health.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
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},
"duration_seconds": 14.309663,
"end_time": "2025-07-15T11:13:57.278116",
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},
"model": "gpt-4o-mini",
"model_client_id": "risk_assessor",
"output": "To analyze the provided credit data for default risk, we will evaluate the key factors mentioned: credit score, credit history, repayment patterns, credit utilization, existing loan burden, and overall risk profile. Based on the information provided, we will derive a risk score and offer recommendations.\n\n### 1. Credit Score and History\n- **CIBIL Score**: The score is marked as \"UNRESOLVED_check_cibil_score,\" which means we cannot assess the creditworthiness based on this metric. A low score would indicate higher risk, while a high score would indicate lower risk.\n- **Credit History**: The credit history is also marked as \"UNRESOLVED_analyze_credit_history.\" Without specific details, we cannot assess the length of credit history or any negative marks (like late payments or defaults).\n\n### 2. Repayment Patterns\n- **Repayment Track Record**: The repayment track record is described as \"excellent.\" This suggests that the individual has consistently made timely payments on their loans, which is a positive indicator of creditworthiness.\n\n### 3. Credit Utilization\n- **Loan Burden Ratio**: The loan burden ratio is 0.28 (or 28%). This indicates that 28% of the individual\u0027s income is being used to service debt. Generally, a ratio below 30% is considered manageable, suggesting that the individual is not over-leveraged.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: The total monthly EMI is 7700.\n- **Outstanding Loans**: The total outstanding amount is 125,000, with two loans (personal and auto).\n- **Remaining Tenure**: The remaining tenure for the personal loan is 18 months, and for the auto loan, it is 24 months. This indicates that the individual is nearing the end of their personal loan repayment, which is a positive sign.\n\n### 5. Overall Risk Profile\n- Given the excellent repayment track record and manageable loan burden ratio, the overall risk profile appears to be favorable. However, the lack of information on the CIBIL score and credit history prevents a complete assessment.\n\n### Risk Score Calculation\nConsidering the available data:\n- **Repayment Track Record**: Excellent (low risk)\n- **Loan Burden Ratio**: 28% (low risk)\n- **Outstanding Loans**: 125,000 (moderate risk due to total amount)\n- **CIBIL Score and Credit History**: Unknown (high uncertainty)\n\nBased on these factors, we can assign a risk score. The unknowns regarding the CIBIL score and credit history introduce a level of uncertainty, but the positive indicators suggest a lower risk overall.\n\n**Risk Score: 40/100**\n- A score of 40 indicates a moderate risk level, primarily due to the unknowns in credit score and history.\n\n### Recommendations\n1. **Resolve CIBIL Score**: Obtain and review the CIBIL score to understand the creditworthiness better. If the score is low, work on improving it.\n2. **Maintain Excellent Repayment Patterns**: Continue making timely payments to maintain the excellent repayment track record.\n3. **Monitor Credit Utilization**: Keep the loan burden ratio below 30% to ensure manageable debt levels.\n4. **Consider Financial Planning**: If there are plans for additional loans, consider financial planning to avoid over-leverage.\n5. **Review Credit History**: If there are any negative marks in the credit history, work on resolving them to improve overall creditworthiness.\n\nBy addressing the unresolved aspects of the credit profile, the individual can further reduce their default risk and improve their overall financial health.\n__OUTPUTS__ {\"ai_response\": \"To analyze the provided credit data for default risk, we will evaluate the key factors mentioned: credit score, credit history, repayment patterns, credit utilization, existing loan burden, and overall risk profile. Based on the information provided, we will derive a risk score and offer recommendations.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: The score is marked as \\\"UNRESOLVED_check_cibil_score,\\\" which means we cannot assess the creditworthiness based on this metric. A low score would indicate higher risk, while a high score would indicate lower risk.\\n- **Credit History**: The credit history is also marked as \\\"UNRESOLVED_analyze_credit_history.\\\" Without specific details, we cannot assess the length of credit history or any negative marks (like late payments or defaults).\\n\\n### 2. Repayment Patterns\\n- **Repayment Track Record**: The repayment track record is described as \\\"excellent.\\\" This suggests that the individual has consistently made timely payments on their loans, which is a positive indicator of creditworthiness.\\n\\n### 3. Credit Utilization\\n- **Loan Burden Ratio**: The loan burden ratio is 0.28 (or 28%). This indicates that 28% of the individual\u0027s income is being used to service debt. Generally, a ratio below 30% is considered manageable, suggesting that the individual is not over-leveraged.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: The total monthly EMI is 7700.\\n- **Outstanding Loans**: The total outstanding amount is 125,000, with two loans (personal and auto).\\n- **Remaining Tenure**: The remaining tenure for the personal loan is 18 months, and for the auto loan, it is 24 months. This indicates that the individual is nearing the end of their personal loan repayment, which is a positive sign.\\n\\n### 5. Overall Risk Profile\\n- Given the excellent repayment track record and manageable loan burden ratio, the overall risk profile appears to be favorable. However, the lack of information on the CIBIL score and credit history prevents a complete assessment.\\n\\n### Risk Score Calculation\\nConsidering the available data:\\n- **Repayment Track Record**: Excellent (low risk)\\n- **Loan Burden Ratio**: 28% (low risk)\\n- **Outstanding Loans**: 125,000 (moderate risk due to total amount)\\n- **CIBIL Score and Credit History**: Unknown (high uncertainty)\\n\\nBased on these factors, we can assign a risk score. The unknowns regarding the CIBIL score and credit history introduce a level of uncertainty, but the positive indicators suggest a lower risk overall.\\n\\n**Risk Score: 40/100**\\n- A score of 40 indicates a moderate risk level, primarily due to the unknowns in credit score and history.\\n\\n### Recommendations\\n1. **Resolve CIBIL Score**: Obtain and review the CIBIL score to understand the creditworthiness better. If the score is low, work on improving it.\\n2. **Maintain Excellent Repayment Patterns**: Continue making timely payments to maintain the excellent repayment track record.\\n3. **Monitor Credit Utilization**: Keep the loan burden ratio below 30% to ensure manageable debt levels.\\n4. **Consider Financial Planning**: If there are plans for additional loans, consider financial planning to avoid over-leverage.\\n5. **Review Credit History**: If there are any negative marks in the credit history, work on resolving them to improve overall creditworthiness.\\n\\nBy addressing the unresolved aspects of the credit profile, the individual can further reduce their default risk and improve their overall financial health.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"task_id": "evaluate_default_risk"
},
"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": 100000
},
"execution_details": {
"actual_result": {
"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\": 100000}, \"missing_fields\": []}\n",
"return_code": 0,
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},
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"worker_executed": true,
"workers_notified": true
},
"extraction_success": true,
"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\": 100000}, \"missing_fields\": []}\n",
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},
"final_underwriting_analysis": {
"agent_type": "assistant",
"ai_response": "1. **Final Recommendation**: DECLINE\n\n2. **Loan Terms and Conditions**: N/A (Loan is declined)\n\n3. **Risk Mitigation Measures**: N/A (Loan is declined)\n\n4. **Reasoning for Decision**:\n - The application has multiple unresolved issues across critical assessment areas, including application quality, document verification, income assessment, credit score calculation, default risk evaluation, compliance consolidation, and debt-to-income ratio calculation. \n - Each of these unresolved factors poses a significant risk to the underwriting process. Without verified income, a calculated credit score, and a clear understanding of the applicant\u0027s debt-to-income ratio, it is impossible to accurately assess the applicant\u0027s ability to repay the loan.\n - The lack of compliance checks further complicates the decision, as it raises concerns about adherence to regulatory requirements, which could expose the lending institution to legal and financial risks.\n - Given the high level of uncertainty and the potential for significant risk, it is prudent to decline the application at this stage.\n\n5. **Confidence Level**: 95\n - The confidence level is high due to the clear absence of necessary information and the potential risks associated with proceeding without a thorough assessment.",
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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": "1. **Final Recommendation**: DECLINE\n\n2. **Loan Terms and Conditions**: N/A (Loan is declined)\n\n3. **Risk Mitigation Measures**: N/A (Loan is declined)\n\n4. **Reasoning for Decision**:\n - The application has multiple unresolved issues across critical assessment areas, including application quality, document verification, income assessment, credit score calculation, default risk evaluation, compliance consolidation, and debt-to-income ratio calculation. \n - Each of these unresolved factors poses a significant risk to the underwriting process. Without verified income, a calculated credit score, and a clear understanding of the applicant\u0027s debt-to-income ratio, it is impossible to accurately assess the applicant\u0027s ability to repay the loan.\n - The lack of compliance checks further complicates the decision, as it raises concerns about adherence to regulatory requirements, which could expose the lending institution to legal and financial risks.\n - Given the high level of uncertainty and the potential for significant risk, it is prudent to decline the application at this stage.\n\n5. **Confidence Level**: 95\n - The confidence level is high due to the clear absence of necessary information and the potential risks associated with proceeding without a thorough assessment.\n__OUTPUTS__ {\"ai_response\": \"1. **Final Recommendation**: DECLINE\\n\\n2. **Loan Terms and Conditions**: N/A (Loan is declined)\\n\\n3. **Risk Mitigation Measures**: N/A (Loan is declined)\\n\\n4. **Reasoning for Decision**:\\n - The application has multiple unresolved issues across critical assessment areas, including application quality, document verification, income assessment, credit score calculation, default risk evaluation, compliance consolidation, and debt-to-income ratio calculation. \\n - Each of these unresolved factors poses a significant risk to the underwriting process. Without verified income, a calculated credit score, and a clear understanding of the applicant\u0027s debt-to-income ratio, it is impossible to accurately assess the applicant\u0027s ability to repay the loan.\\n - The lack of compliance checks further complicates the decision, as it raises concerns about adherence to regulatory requirements, which could expose the lending institution to legal and financial risks.\\n - Given the high level of uncertainty and the potential for significant risk, it is prudent to decline the application at this stage.\\n\\n5. **Confidence Level**: 95\\n - The confidence level is high due to the clear absence of necessary information and the potential risks associated with proceeding without a thorough assessment.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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},
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"model": "gpt-4o-mini",
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"output": "1. **Final Recommendation**: DECLINE\n\n2. **Loan Terms and Conditions**: N/A (Loan is declined)\n\n3. **Risk Mitigation Measures**: N/A (Loan is declined)\n\n4. **Reasoning for Decision**:\n - The application has multiple unresolved issues across critical assessment areas, including application quality, document verification, income assessment, credit score calculation, default risk evaluation, compliance consolidation, and debt-to-income ratio calculation. \n - Each of these unresolved factors poses a significant risk to the underwriting process. Without verified income, a calculated credit score, and a clear understanding of the applicant\u0027s debt-to-income ratio, it is impossible to accurately assess the applicant\u0027s ability to repay the loan.\n - The lack of compliance checks further complicates the decision, as it raises concerns about adherence to regulatory requirements, which could expose the lending institution to legal and financial risks.\n - Given the high level of uncertainty and the potential for significant risk, it is prudent to decline the application at this stage.\n\n5. **Confidence Level**: 95\n - The confidence level is high due to the clear absence of necessary information and the potential risks associated with proceeding without a thorough assessment.\n__OUTPUTS__ {\"ai_response\": \"1. **Final Recommendation**: DECLINE\\n\\n2. **Loan Terms and Conditions**: N/A (Loan is declined)\\n\\n3. **Risk Mitigation Measures**: N/A (Loan is declined)\\n\\n4. **Reasoning for Decision**:\\n - The application has multiple unresolved issues across critical assessment areas, including application quality, document verification, income assessment, credit score calculation, default risk evaluation, compliance consolidation, and debt-to-income ratio calculation. \\n - Each of these unresolved factors poses a significant risk to the underwriting process. Without verified income, a calculated credit score, and a clear understanding of the applicant\u0027s debt-to-income ratio, it is impossible to accurately assess the applicant\u0027s ability to repay the loan.\\n - The lack of compliance checks further complicates the decision, as it raises concerns about adherence to regulatory requirements, which could expose the lending institution to legal and financial risks.\\n - Given the high level of uncertainty and the potential for significant risk, it is prudent to decline the application at this stage.\\n\\n5. **Confidence Level**: 95\\n - The confidence level is high due to the clear absence of necessary information and the potential risks associated with proceeding without a thorough assessment.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "final_underwriting_analysis"
},
"flag_for_manual_review": {
"error": "Unsupported task type: human",
"execution_details": {
"failed": true,
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"worker_executed": true,
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"output": "Task failed: Unsupported task type: human",
"status": "FAILED",
"task_id": "flag_for_manual_review"
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"generate_final_output": {
"error": "Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmp_tve4iqf.py\", line 15, in \u003cmodule\u003e\n \"credit_score\": UNRESOLVED_calculate_credit_score.internal_credit_score,\n ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^\nNameError: name \u0027UNRESOLVED_calculate_credit_score\u0027 is not defined\n",
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},
"output": "Task failed: Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmp_tve4iqf.py\", line 15, in \u003cmodule\u003e\n \"credit_score\": UNRESOLVED_calculate_credit_score.internal_credit_score,\n ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^\nNameError: name \u0027UNRESOLVED_calculate_credit_score\u0027 is not defined\n",
"status": "FAILED",
"task_id": "generate_final_output"
},
"income_assessment": {
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"ai_response": "Based on the provided income data and the context of the financial analysis, here is a detailed JSON assessment:\n\n```json\n{\n \"income_stability_assessment\": {\n \"job_stability_score\": 88.5,\n \"employment_type\": \"permanent\",\n \"probation_status\": \"confirmed\",\n \"employer_rating\": \"A+\",\n \"employment_verified\": true,\n \"stability_comment\": \"The individual has a strong job stability score and is employed in a permanent position with a reputable employer. This indicates a high level of income stability.\"\n },\n \"debt_servicing_capability\": {\n \"debt_to_income_ratio\": \"UNRESOLVED\",\n \"debt_servicing_comment\": \"Unable to calculate the debt-to-income ratio due to a script error. Further analysis of income and debt obligations is required to assess the individual\u0027s capability to service debt.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": \"UNRESOLVED\",\n \"tax_return_verification\": \"UNRESOLVED\",\n \"financial_discipline_comment\": \"Without the analysis of bank statements and tax returns, it is difficult to evaluate the individual\u0027s financial discipline. These documents are crucial for understanding spending habits and savings.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n \"Incomplete income data analysis due to unresolved components.\",\n \"Potential issues with debt servicing capability due to lack of debt-to-income ratio calculation.\"\n ],\n \"recommendations\": [\n \"Resolve the issues with salary slips, bank statements, and tax returns to complete the income assessment.\",\n \"Conduct a thorough review of the individual\u0027s debt obligations to calculate the debt-to-income ratio accurately.\",\n \"Consider additional documentation or alternative income verification methods to ensure a comprehensive assessment.\"\n ]\n },\n \"overall_income_adequacy_score\": {\n \"score\": 65,\n \"justification\": \"The score reflects a strong employment situation but is tempered by the unresolved issues in income verification and debt assessment. Further analysis is necessary to improve this score.\"\n }\n}\n```\n\n### Explanation of the JSON Assessment:\n\n1. **Income Stability Assessment**: The individual has a high job stability score and is employed permanently, indicating a stable income source.\n \n2. **Debt Servicing Capability**: The inability to calculate the debt-to-income ratio due to a script error limits the assessment of the individual\u0027s ability to manage debt.\n\n3. **Financial Discipline Evaluation**: Without the analysis of bank statements and tax returns, it\u0027s challenging to evaluate the individual\u0027s financial habits and discipline.\n\n4. **Risk Factors and Recommendations**: Identified risks include incomplete data analysis and potential issues with debt servicing. Recommendations focus on resolving data issues and conducting a thorough review of financial obligations.\n\n5. **Overall Income Adequacy Score**: The score of 65 reflects a reasonable level of income adequacy but highlights the need for further analysis to improve confidence in the assessment.",
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Further analysis of income and debt obligations is required to assess the individual\u0027s capability to service debt.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": \"UNRESOLVED\",\n \"tax_return_verification\": \"UNRESOLVED\",\n \"financial_discipline_comment\": \"Without the analysis of bank statements and tax returns, it is difficult to evaluate the individual\u0027s financial discipline. These documents are crucial for understanding spending habits and savings.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n \"Incomplete income data analysis due to unresolved components.\",\n \"Potential issues with debt servicing capability due to lack of debt-to-income ratio calculation.\"\n ],\n \"recommendations\": [\n \"Resolve the issues with salary slips, bank statements, and tax returns to complete the income assessment.\",\n \"Conduct a thorough review of the individual\u0027s debt obligations to calculate the debt-to-income ratio accurately.\",\n \"Consider additional documentation or alternative income verification methods to ensure a comprehensive assessment.\"\n ]\n },\n \"overall_income_adequacy_score\": {\n \"score\": 65,\n \"justification\": \"The score reflects a strong employment situation but is tempered by the unresolved issues in income verification and debt assessment. Further analysis is necessary to improve this score.\"\n }\n}\n```\n\n### Explanation of the JSON Assessment:\n\n1. **Income Stability Assessment**: The individual has a high job stability score and is employed permanently, indicating a stable income source.\n \n2. **Debt Servicing Capability**: The inability to calculate the debt-to-income ratio due to a script error limits the assessment of the individual\u0027s ability to manage debt.\n\n3. **Financial Discipline Evaluation**: Without the analysis of bank statements and tax returns, it\u0027s challenging to evaluate the individual\u0027s financial habits and discipline.\n\n4. **Risk Factors and Recommendations**: Identified risks include incomplete data analysis and potential issues with debt servicing. Recommendations focus on resolving data issues and conducting a thorough review of financial obligations.\n\n5. **Overall Income Adequacy Score**: The score of 65 reflects a reasonable level of income adequacy but highlights the need for further analysis to improve confidence in the assessment.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided income data and the context of the financial analysis, here is a detailed JSON assessment:\\n\\n```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"job_stability_score\\\": 88.5,\\n \\\"employment_type\\\": \\\"permanent\\\",\\n \\\"probation_status\\\": \\\"confirmed\\\",\\n \\\"employer_rating\\\": \\\"A+\\\",\\n \\\"employment_verified\\\": true,\\n \\\"stability_comment\\\": \\\"The individual has a strong job stability score and is employed in a permanent position with a reputable employer. This indicates a high level of income stability.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"debt_to_income_ratio\\\": \\\"UNRESOLVED\\\",\\n \\\"debt_servicing_comment\\\": \\\"Unable to calculate the debt-to-income ratio due to a script error. Further analysis of income and debt obligations is required to assess the individual\u0027s capability to service debt.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": \\\"UNRESOLVED\\\",\\n \\\"tax_return_verification\\\": \\\"UNRESOLVED\\\",\\n \\\"financial_discipline_comment\\\": \\\"Without the analysis of bank statements and tax returns, it is difficult to evaluate the individual\u0027s financial discipline. These documents are crucial for understanding spending habits and savings.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [\\n \\\"Incomplete income data analysis due to unresolved components.\\\",\\n \\\"Potential issues with debt servicing capability due to lack of debt-to-income ratio calculation.\\\"\\n ],\\n \\\"recommendations\\\": [\\n \\\"Resolve the issues with salary slips, bank statements, and tax returns to complete the income assessment.\\\",\\n \\\"Conduct a thorough review of the individual\u0027s debt obligations to calculate the debt-to-income ratio accurately.\\\",\\n \\\"Consider additional documentation or alternative income verification methods to ensure a comprehensive assessment.\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": {\\n \\\"score\\\": 65,\\n \\\"justification\\\": \\\"The score reflects a strong employment situation but is tempered by the unresolved issues in income verification and debt assessment. Further analysis is necessary to improve this score.\\\"\\n }\\n}\\n```\\n\\n### Explanation of the JSON Assessment:\\n\\n1. **Income Stability Assessment**: The individual has a high job stability score and is employed permanently, indicating a stable income source.\\n \\n2. **Debt Servicing Capability**: The inability to calculate the debt-to-income ratio due to a script error limits the assessment of the individual\u0027s ability to manage debt.\\n\\n3. **Financial Discipline Evaluation**: Without the analysis of bank statements and tax returns, it\u0027s challenging to evaluate the individual\u0027s financial habits and discipline.\\n\\n4. **Risk Factors and Recommendations**: Identified risks include incomplete data analysis and potential issues with debt servicing. 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Further analysis of income and debt obligations is required to assess the individual\u0027s capability to service debt.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": \"UNRESOLVED\",\n \"tax_return_verification\": \"UNRESOLVED\",\n \"financial_discipline_comment\": \"Without the analysis of bank statements and tax returns, it is difficult to evaluate the individual\u0027s financial discipline. These documents are crucial for understanding spending habits and savings.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [\n \"Incomplete income data analysis due to unresolved components.\",\n \"Potential issues with debt servicing capability due to lack of debt-to-income ratio calculation.\"\n ],\n \"recommendations\": [\n \"Resolve the issues with salary slips, bank statements, and tax returns to complete the income assessment.\",\n \"Conduct a thorough review of the individual\u0027s debt obligations to calculate the debt-to-income ratio accurately.\",\n \"Consider additional documentation or alternative income verification methods to ensure a comprehensive assessment.\"\n ]\n },\n \"overall_income_adequacy_score\": {\n \"score\": 65,\n \"justification\": \"The score reflects a strong employment situation but is tempered by the unresolved issues in income verification and debt assessment. Further analysis is necessary to improve this score.\"\n }\n}\n```\n\n### Explanation of the JSON Assessment:\n\n1. **Income Stability Assessment**: The individual has a high job stability score and is employed permanently, indicating a stable income source.\n \n2. **Debt Servicing Capability**: The inability to calculate the debt-to-income ratio due to a script error limits the assessment of the individual\u0027s ability to manage debt.\n\n3. **Financial Discipline Evaluation**: Without the analysis of bank statements and tax returns, it\u0027s challenging to evaluate the individual\u0027s financial habits and discipline.\n\n4. **Risk Factors and Recommendations**: Identified risks include incomplete data analysis and potential issues with debt servicing. 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This indicates a high level of income stability.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"debt_to_income_ratio\\\": \\\"UNRESOLVED\\\",\\n \\\"debt_servicing_comment\\\": \\\"Unable to calculate the debt-to-income ratio due to a script error. Further analysis of income and debt obligations is required to assess the individual\u0027s capability to service debt.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": \\\"UNRESOLVED\\\",\\n \\\"tax_return_verification\\\": \\\"UNRESOLVED\\\",\\n \\\"financial_discipline_comment\\\": \\\"Without the analysis of bank statements and tax returns, it is difficult to evaluate the individual\u0027s financial discipline. These documents are crucial for understanding spending habits and savings.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [\\n \\\"Incomplete income data analysis due to unresolved components.\\\",\\n \\\"Potential issues with debt servicing capability due to lack of debt-to-income ratio calculation.\\\"\\n ],\\n \\\"recommendations\\\": [\\n \\\"Resolve the issues with salary slips, bank statements, and tax returns to complete the income assessment.\\\",\\n \\\"Conduct a thorough review of the individual\u0027s debt obligations to calculate the debt-to-income ratio accurately.\\\",\\n \\\"Consider additional documentation or alternative income verification methods to ensure a comprehensive assessment.\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": {\\n \\\"score\\\": 65,\\n \\\"justification\\\": \\\"The score reflects a strong employment situation but is tempered by the unresolved issues in income verification and debt assessment. Further analysis is necessary to improve this score.\\\"\\n }\\n}\\n```\\n\\n### Explanation of the JSON Assessment:\\n\\n1. **Income Stability Assessment**: The individual has a high job stability score and is employed permanently, indicating a stable income source.\\n \\n2. **Debt Servicing Capability**: The inability to calculate the debt-to-income ratio due to a script error limits the assessment of the individual\u0027s ability to manage debt.\\n\\n3. **Financial Discipline Evaluation**: Without the analysis of bank statements and tax returns, it\u0027s challenging to evaluate the individual\u0027s financial habits and discipline.\\n\\n4. **Risk Factors and Recommendations**: Identified risks include incomplete data analysis and potential issues with debt servicing. Recommendations focus on resolving data issues and conducting a thorough review of financial obligations.\\n\\n5. **Overall Income Adequacy Score**: The score of 65 reflects a reasonable level of income adequacy but highlights the need for further analysis to improve confidence in the assessment.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.752607,
"end_time": "2025-07-15T11:10:29.682264",
"message_sent": true,
"start_time": "2025-07-15T11:10:28.929657",
"timestamp": "2025-07-15T11:10:29.682264",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"output": "__OUTPUTS__ {\"document_type\": \"utility_bill\", \"is_valid\": true, \"address_match\": true, \"document_date\": \"2024-06-15\", \"verification_score\": 92.3, \"address_confirmed\": \"123 Main St, City, State 12345\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_address_proof",
"verification_score": 92.3
},
"verify_employment": {
"designation": "Senior Software Engineer",
"employer_rating": "A+",
"employment_confirmed": true,
"employment_type": "permanent",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.575509,
"end_time": "2025-07-15T11:10:32.490298",
"message_sent": true,
"start_time": "2025-07-15T11:10:31.914789",
"timestamp": "2025-07-15T11:10:32.490298",
"worker_executed": true,
"workers_notified": true
},
"hr_contact_verified": true,
"job_stability_score": 88.5,
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"probation_status": "confirmed",
"reference_check_passed": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_employment"
},
"verify_pan_card": {
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"pan_number\": \"ABCDE1234F\", \"is_valid\": true, \"name_match\": true, \"status\": \"active\", \"verification_score\": 95.5, \"verified_name\": \"JOHN DOE\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.35112,
"end_time": "2025-07-15T11:10:29.157771",
"message_sent": true,
"start_time": "2025-07-15T11:10:28.806651",
"timestamp": "2025-07-15T11:10:29.157771",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"name_match": true,
"output": "__OUTPUTS__ {\"pan_number\": \"ABCDE1234F\", \"is_valid\": true, \"name_match\": true, \"status\": \"active\", \"verification_score\": 95.5, \"verified_name\": \"JOHN DOE\"}\n",
"pan_number": "ABCDE1234F",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_pan_card",
"verification_score": 95.5,
"verified_name": "JOHN DOE"
},
"verify_passport": {
"document_provided": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"passport_number\": \"A1234567\", \"is_valid\": true, \"expiry_date\": \"2030-12-31\", \"issuing_authority\": \"Government of India\", \"verification_score\": 96.8, \"document_provided\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.563368,
"end_time": "2025-07-15T11:10:29.455115",
"message_sent": true,
"start_time": "2025-07-15T11:10:28.891747",
"timestamp": "2025-07-15T11:10:29.455115",
"worker_executed": true,
"workers_notified": true
},
"expiry_date": "2030-12-31",
"is_valid": true,
"issuing_authority": "Government of India",
"output": "__OUTPUTS__ {\"passport_number\": \"A1234567\", \"is_valid\": true, \"expiry_date\": \"2030-12-31\", \"issuing_authority\": \"Government of India\", \"verification_score\": 96.8, \"document_provided\": true}\n",
"passport_number": "A1234567",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_passport",
"verification_score": 96.8
},
"verify_tax_returns": {
"declared_income": 98000,
"discrepancies_found": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"declared_income\": 98000, \"tax_paid\": 12000, \"returns_filed_consistently\": true, \"income_growth_trend\": \"positive\", \"discrepancies_found\": false, \"verification_with_govt\": true, \"tax_compliance_score\": 92.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.772,
"end_time": "2025-07-15T11:10:32.457555",
"message_sent": true,
"start_time": "2025-07-15T11:10:31.685555",
"timestamp": "2025-07-15T11:10:32.457555",
"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": 0.001874,
"ended_at": "2025-07-15T11:17:00.905033",
"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\": 0.001874, \"started_at\": \"2025-07-15T11:17:00.903159\", \"ended_at\": \"2025-07-15T11:17:00.905033\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.300723,
"end_time": "2025-07-15T11:17:01.113661",
"message_sent": true,
"start_time": "2025-07-15T11:17:00.812938",
"timestamp": "2025-07-15T11:17:01.113661",
"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\": 0.001874, \"started_at\": \"2025-07-15T11:17:00.903159\", \"ended_at\": \"2025-07-15T11:17:00.905033\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-15T11:17:00.903159",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"validate_application_fields": {
"completion_percentage": 100.0,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.292671,
"end_time": "2025-07-15T11:10:25.665976",
"message_sent": true,
"start_time": "2025-07-15T11:10:25.373305",
"timestamp": "2025-07-15T11:10:25.665976",
"worker_executed": true,
"workers_notified": true
},
"missing_fields": [],
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "validate_application_fields",
"validation_passed": true
},
"verify_aadhaar": {
"aadhaar_masked": "1234-5678-9012",
"address_match": true,
"biometric_verified": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"1234-5678-9012\", \"is_valid\": true, \"address_match\": true, \"biometric_verified\": true, \"verification_score\": 98.2, \"last_updated\": \"2024-01-15\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.460727,
"end_time": "2025-07-15T11:10:29.311551",
"message_sent": true,
"start_time": "2025-07-15T11:10:28.850824",
"timestamp": "2025-07-15T11:10:29.311551",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"last_updated": "2024-01-15",
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"1234-5678-9012\", \"is_valid\": true, \"address_match\": true, \"biometric_verified\": true, \"verification_score\": 98.2, \"last_updated\": \"2024-01-15\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_aadhaar",
"verification_score": 98.2
},
"verify_address_proof": {
"address_confirmed": "123 Main St, City, State 12345",
"address_match": true,
"document_date": "2024-06-15",
"document_type": "utility_bill",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"document_type\": \"utility_bill\", \"is_valid\": true, \"address_match\": true, \"document_date\": \"2024-06-15\", \"verification_score\": 92.3, \"address_confirmed\": \"123 Main St, City, State 12345\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.752607,
"end_time": "2025-07-15T11:10:29.682264",
"message_sent": true,
"start_time": "2025-07-15T11:10:28.929657",
"timestamp": "2025-07-15T11:10:29.682264",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"output": "__OUTPUTS__ {\"document_type\": \"utility_bill\", \"is_valid\": true, \"address_match\": true, \"document_date\": \"2024-06-15\", \"verification_score\": 92.3, \"address_confirmed\": \"123 Main St, City, State 12345\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_address_proof",
"verification_score": 92.3
},
"verify_employment": {
"designation": "Senior Software Engineer",
"employer_rating": "A+",
"employment_confirmed": true,
"employment_type": "permanent",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.575509,
"end_time": "2025-07-15T11:10:32.490298",
"message_sent": true,
"start_time": "2025-07-15T11:10:31.914789",
"timestamp": "2025-07-15T11:10:32.490298",
"worker_executed": true,
"workers_notified": true
},
"hr_contact_verified": true,
"job_stability_score": 88.5,
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"probation_status": "confirmed",
"reference_check_passed": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_employment"
},
"verify_pan_card": {
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"pan_number\": \"ABCDE1234F\", \"is_valid\": true, \"name_match\": true, \"status\": \"active\", \"verification_score\": 95.5, \"verified_name\": \"JOHN DOE\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.35112,
"end_time": "2025-07-15T11:10:29.157771",
"message_sent": true,
"start_time": "2025-07-15T11:10:28.806651",
"timestamp": "2025-07-15T11:10:29.157771",
"worker_executed": true,
"workers_notified": true
},
"is_valid": true,
"name_match": true,
"output": "__OUTPUTS__ {\"pan_number\": \"ABCDE1234F\", \"is_valid\": true, \"name_match\": true, \"status\": \"active\", \"verification_score\": 95.5, \"verified_name\": \"JOHN DOE\"}\n",
"pan_number": "ABCDE1234F",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_pan_card",
"verification_score": 95.5,
"verified_name": "JOHN DOE"
},
"verify_passport": {
"document_provided": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"passport_number\": \"A1234567\", \"is_valid\": true, \"expiry_date\": \"2030-12-31\", \"issuing_authority\": \"Government of India\", \"verification_score\": 96.8, \"document_provided\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.563368,
"end_time": "2025-07-15T11:10:29.455115",
"message_sent": true,
"start_time": "2025-07-15T11:10:28.891747",
"timestamp": "2025-07-15T11:10:29.455115",
"worker_executed": true,
"workers_notified": true
},
"expiry_date": "2030-12-31",
"is_valid": true,
"issuing_authority": "Government of India",
"output": "__OUTPUTS__ {\"passport_number\": \"A1234567\", \"is_valid\": true, \"expiry_date\": \"2030-12-31\", \"issuing_authority\": \"Government of India\", \"verification_score\": 96.8, \"document_provided\": true}\n",
"passport_number": "A1234567",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_passport",
"verification_score": 96.8
},
"verify_tax_returns": {
"declared_income": 98000,
"discrepancies_found": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"declared_income\": 98000, \"tax_paid\": 12000, \"returns_filed_consistently\": true, \"income_growth_trend\": \"positive\", \"discrepancies_found\": false, \"verification_with_govt\": true, \"tax_compliance_score\": 92.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.772,
"end_time": "2025-07-15T11:10:32.457555",
"message_sent": true,
"start_time": "2025-07-15T11:10:31.685555",
"timestamp": "2025-07-15T11:10:32.457555",
"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
}
}