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": 0.251415,
"end_time": "2025-07-16T06:58:49.572973",
"message_sent": true,
"start_time": "2025-07-16T06:58:49.321558",
"timestamp": "2025-07-16T06:58:49.572973",
"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": 0.384309,
"end_time": "2025-07-16T06:58:25.643104",
"message_sent": true,
"start_time": "2025-07-16T06:58:25.258795",
"timestamp": "2025-07-16T06:58:25.643104",
"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": 0.225598,
"end_time": "2025-07-16T06:58:36.097634",
"message_sent": true,
"start_time": "2025-07-16T06:58:35.872036",
"timestamp": "2025-07-16T06:58:36.097634",
"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": 0.311534,
"end_time": "2025-07-16T06:58:25.510426",
"message_sent": true,
"start_time": "2025-07-16T06:58:25.198892",
"timestamp": "2025-07-16T06:58:25.510426",
"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 \"completeness\": \"100% - All required fields are filled.\",\n \"accuracy\": \"All provided information appears accurate based on standard formats.\"\n },\n \"consistency_of_information\": {\n \"consistency\": \"All information is consistent with typical loan application requirements.\",\n \"employment_status\": \"Employed status aligns with the annual income provided.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": \"No inconsistencies detected.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is complete and accurate with no red flags. The requested loan amount of $10,000 is relatively low compared to the annual income of $75,000, which may indicate a reasonable risk. However, the purpose of the loan for home purchase typically requires a larger amount, which could be a point of concern for further inquiry.\"\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 468,
"model": "gpt-4o-mini",
"output_length": 937,
"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 \"completeness\": \"100% - All required fields are filled.\",\n \"accuracy\": \"All provided information appears accurate based on standard formats.\"\n },\n \"consistency_of_information\": {\n \"consistency\": \"All information is consistent with typical loan application requirements.\",\n \"employment_status\": \"Employed status aligns with the annual income provided.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": \"No inconsistencies detected.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is complete and accurate with no red flags. The requested loan amount of $10,000 is relatively low compared to the annual income of $75,000, which may indicate a reasonable risk. However, the purpose of the loan for home purchase typically requires a larger amount, which could be a point of concern for further inquiry.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"completeness\\\": \\\"100% - All required fields are filled.\\\",\\n \\\"accuracy\\\": \\\"All provided information appears accurate based on standard formats.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistency\\\": \\\"All information is consistent with typical loan application requirements.\\\",\\n \\\"employment_status\\\": \\\"Employed status aligns with the annual income provided.\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"inconsistencies\\\": \\\"No inconsistencies detected.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is complete and accurate with no red flags. The requested loan amount of $10,000 is relatively low compared to the annual income of $75,000, which may indicate a reasonable risk. However, the purpose of the loan for home purchase typically requires a larger amount, which could be a point of concern for further inquiry.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 199, \"completion_tokens\": 206, \"total_tokens\": 405, \"estimated_cost\": {\"amount\": 0.000153, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": "",
"token_usage": {
"completion_tokens": 206,
"estimated_cost": {
"amount": 0.000153,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 199,
"provider": "openai",
"total_tokens": 405
}
},
"duration_seconds": 3.903528,
"end_time": "2025-07-16T06:58:18.180100",
"message_sent": true,
"start_time": "2025-07-16T06:58:14.276572",
"timestamp": "2025-07-16T06:58:18.180100",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"completeness\": \"100% - All required fields are filled.\",\n \"accuracy\": \"All provided information appears accurate based on standard formats.\"\n },\n \"consistency_of_information\": {\n \"consistency\": \"All information is consistent with typical loan application requirements.\",\n \"employment_status\": \"Employed status aligns with the annual income provided.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": \"No inconsistencies detected.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is complete and accurate with no red flags. The requested loan amount of $10,000 is relatively low compared to the annual income of $75,000, which may indicate a reasonable risk. However, the purpose of the loan for home purchase typically requires a larger amount, which could be a point of concern for further inquiry.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"completeness\\\": \\\"100% - All required fields are filled.\\\",\\n \\\"accuracy\\\": \\\"All provided information appears accurate based on standard formats.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistency\\\": \\\"All information is consistent with typical loan application requirements.\\\",\\n \\\"employment_status\\\": \\\"Employed status aligns with the annual income provided.\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"inconsistencies\\\": \\\"No inconsistencies detected.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is complete and accurate with no red flags. The requested loan amount of $10,000 is relatively low compared to the annual income of $75,000, which may indicate a reasonable risk. However, the purpose of the loan for home purchase typically requires a larger amount, which could be a point of concern for further inquiry.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 199, \"completion_tokens\": 206, \"total_tokens\": 405, \"estimated_cost\": {\"amount\": 0.000153, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "application_quality_check",
"token_usage": {
"completion_tokens": 206,
"estimated_cost": {
"amount": 0.000153,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 199,
"provider": "openai",
"total_tokens": 405
}
},
"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": 0.205167,
"end_time": "2025-07-16T06:58:36.335994",
"message_sent": true,
"start_time": "2025-07-16T06:58:36.130827",
"timestamp": "2025-07-16T06:58:36.335994",
"worker_executed": true,
"workers_notified": true
},
"loan_burden_ratio": 0.28,
"loan_details": [
{
"emi": 3500,
"outstanding": 45000,
"remaining_tenure": "18 months",
"type": "personal_loan"
},
{
"emi": 4200,
"outstanding": 80000,
"remaining_tenure": "24 months",
"type": "auto_loan"
}
],
"number_of_loans": 2,
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"repayment_track_record": "excellent",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "assess_existing_loans",
"total_monthly_emi": 7700,
"total_outstanding": 125000
},
"calculate_credit_score": {
"cibil_score": 720,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.187982,
"end_time": "2025-07-16T06:58:49.047800",
"message_sent": true,
"start_time": "2025-07-16T06:58:48.859818",
"timestamp": "2025-07-16T06:58:49.047800",
"worker_executed": true,
"workers_notified": true
},
"internal_credit_score": 337.9,
"min_required_score": 650,
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"risk_category": "high",
"score_acceptable": false,
"scoring_factors": {
"cibil_contribution": 288.0,
"loan_burden_contribution": 7.2,
"payment_history_contribution": 29.7,
"utilization_contribution": 12.96
},
"status": "completed",
"stderr": "",
"task_id": "calculate_credit_score"
},
"calculate_debt_to_income": {
"debt_to_income_ratio": 0.3590686274509804,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.253635,
"end_time": "2025-07-16T06:58:25.967156",
"message_sent": true,
"start_time": "2025-07-16T06:58:25.713521",
"timestamp": "2025-07-16T06:58:25.967156",
"worker_executed": true,
"workers_notified": true
},
"existing_debt_payments": 2400,
"max_allowed_ratio": 0.4,
"monthly_net_income": 6800,
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
"proposed_emi": 41.666666666666664,
"ratio_acceptable": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "calculate_debt_to_income",
"total_debt_payments": 2441.6666666666665
},
"check_cibil_score": {
"active_accounts": 6,
"closed_accounts": 2,
"credit_history_length": "5 years",
"credit_score": 720,
"credit_utilization": 35.5,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.203975,
"end_time": "2025-07-16T06:58:35.847084",
"message_sent": true,
"start_time": "2025-07-16T06:58:35.643109",
"timestamp": "2025-07-16T06:58:35.847084",
"worker_executed": true,
"workers_notified": true
},
"last_updated": "2024-06-01",
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"payment_history": "99% on-time",
"recent_inquiries": 2,
"return_code": 0,
"score_range": "Good",
"status": "completed",
"stderr": "",
"task_id": "check_cibil_score",
"total_accounts": 8
},
"compliance_consolidation": {
"agent_type": "assistant",
"ai_response": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk_category\": \"Low\",\n \"aml_risk_rating\": \"Low\",\n \"regulatory_risk\": \"Minimal\"\n },\n \"compliance_scores\": {\n \"kyc_compliance_score\": 98.5,\n \"aml_compliance_score\": 96.8,\n \"regulatory_compliance_score\": 97.2,\n \"internal_policy_compliance_score\": 95.5\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue monitoring compliance with KYC and AML regulations.\",\n \"Maintain adherence to internal policies and regulatory guidelines.\",\n \"Regularly review and update compliance documentation to ensure ongoing compliance.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of the Assessment:\n1. **Overall Compliance Status**: The applicant is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low, with minimal regulatory risk.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: Ongoing monitoring and adherence to compliance standards are recommended.\n5. **Compliance Confidence Score**: A high score of 98 indicates strong confidence in the compliance status of the applicant.",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 1347,
"model": "gpt-4o-mini",
"output_length": 1476,
"provider": "openai",
"system_message": "You are a compliance officer specializing in loan underwriting compliance.\n\nReview all compliance check results and provide:\n1. Overall compliance status\n2. Risk assessment\n3. Any compliance gaps or concerns\n4. Recommendations for proceeding\n5. Compliance confidence score (1-100)\n\nReturn a comprehensive compliance assessment in JSON format.\n"
},
"input_format": "json",
"model_client_id": "compliance_reviewer",
"output": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk_category\": \"Low\",\n \"aml_risk_rating\": \"Low\",\n \"regulatory_risk\": \"Minimal\"\n },\n \"compliance_scores\": {\n \"kyc_compliance_score\": 98.5,\n \"aml_compliance_score\": 96.8,\n \"regulatory_compliance_score\": 97.2,\n \"internal_policy_compliance_score\": 95.5\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue monitoring compliance with KYC and AML regulations.\",\n \"Maintain adherence to internal policies and regulatory guidelines.\",\n \"Regularly review and update compliance documentation to ensure ongoing compliance.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of the Assessment:\n1. **Overall Compliance Status**: The applicant is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low, with minimal regulatory risk.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: Ongoing monitoring and adherence to compliance standards are recommended.\n5. **Compliance Confidence Score**: A high score of 98 indicates strong confidence in the compliance status of the applicant.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk_category\\\": \\\"Low\\\",\\n \\\"aml_risk_rating\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\"\\n },\\n \\\"compliance_scores\\\": {\\n \\\"kyc_compliance_score\\\": 98.5,\\n \\\"aml_compliance_score\\\": 96.8,\\n \\\"regulatory_compliance_score\\\": 97.2,\\n \\\"internal_policy_compliance_score\\\": 95.5\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue monitoring compliance with KYC and AML regulations.\\\",\\n \\\"Maintain adherence to internal policies and regulatory guidelines.\\\",\\n \\\"Regularly review and update compliance documentation to ensure ongoing compliance.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Summary of the Assessment:\\n1. **Overall Compliance Status**: The applicant is compliant with all necessary regulations and internal policies.\\n2. **Risk Assessment**: The overall risk is categorized as low, with minimal regulatory risk.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\\n4. **Recommendations for Proceeding**: Ongoing monitoring and adherence to compliance standards are recommended.\\n5. **Compliance Confidence Score**: A high score of 98 indicates strong confidence in the compliance status of the applicant.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 6519, \"completion_tokens\": 746, \"total_tokens\": 7265, \"estimated_cost\": {\"amount\": 0.001425, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk_category\": \"Low\",\n \"aml_risk_rating\": \"Low\",\n \"regulatory_risk\": \"Minimal\"\n },\n \"compliance_scores\": {\n \"kyc_compliance_score\": 98.5,\n \"aml_compliance_score\": 96.8,\n \"regulatory_compliance_score\": 97.2,\n \"internal_policy_compliance_score\": 95.5\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue monitoring compliance with KYC and AML regulations.\",\n \"Maintain adherence to internal policies and regulatory guidelines.\",\n \"Regularly review and update compliance documentation to ensure ongoing compliance.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of the Assessment:\n1. **Overall Compliance Status**: The applicant is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low, with minimal regulatory risk.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: Ongoing monitoring and adherence to compliance standards are recommended.\n5. **Compliance Confidence Score**: A high score of 98 indicates strong confidence in the compliance status of the applicant.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk_category\\\": \\\"Low\\\",\\n \\\"aml_risk_rating\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\"\\n },\\n \\\"compliance_scores\\\": {\\n \\\"kyc_compliance_score\\\": 98.5,\\n \\\"aml_compliance_score\\\": 96.8,\\n \\\"regulatory_compliance_score\\\": 97.2,\\n \\\"internal_policy_compliance_score\\\": 95.5\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue monitoring compliance with KYC and AML regulations.\\\",\\n \\\"Maintain adherence to internal policies and regulatory guidelines.\\\",\\n \\\"Regularly review and update compliance documentation to ensure ongoing compliance.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Summary of the Assessment:\\n1. **Overall Compliance Status**: The applicant is compliant with all necessary regulations and internal policies.\\n2. **Risk Assessment**: The overall risk is categorized as low, with minimal regulatory risk.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\\n4. **Recommendations for Proceeding**: Ongoing monitoring and adherence to compliance standards are recommended.\\n5. **Compliance Confidence Score**: A high score of 98 indicates strong confidence in the compliance status of the applicant.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 6519, \"completion_tokens\": 746, \"total_tokens\": 7265, \"estimated_cost\": {\"amount\": 0.001425, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "```json\n{\n \"overall_verification_success_rate\": \"100% - All documents are valid.\",\n \"consistency_across_documents\": {\n \"name_consistency\": \"Verified name matches across PAN and Aadhaar.\",\n \"address_consistency\": \"Address matches across Aadhaar and Address Proof.\"\n },\n \"risk_factors_identified\": {\n \"expiry_dates\": \"All documents are valid and not expired.\",\n \"biometric_verification\": \"Biometric verification for Aadhaar is confirmed.\"\n },\n \"recommendation_for_proceeding\": {\n \"next_steps\": \"Proceed with the application as all documents are verified and consistent.\",\n \"additional_inquiries\": \"Consider confirming the purpose of the loan further, especially regarding the requested amount in relation to the applicant\u0027s financial profile.\"\n },\n \"verification_scores\": {\n \"PAN_verification_score\": 95.5,\n \"Aadhaar_verification_score\": 98.2,\n \"Passport_verification_score\": 96.8,\n \"Address_Proof_verification_score\": 92.3\n },\n \"comments\": \"The applicant\u0027s documents are all valid and consistent, indicating a low risk for proceeding with the application. The verification scores are high, reflecting a strong level of confidence in the authenticity of the documents.\"\n}\n```",
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"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
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"output": "```json\n{\n \"overall_verification_success_rate\": \"100% - All documents are valid.\",\n \"consistency_across_documents\": {\n \"name_consistency\": \"Verified name matches across PAN and Aadhaar.\",\n \"address_consistency\": \"Address matches across Aadhaar and Address Proof.\"\n },\n \"risk_factors_identified\": {\n \"expiry_dates\": \"All documents are valid and not expired.\",\n \"biometric_verification\": \"Biometric verification for Aadhaar is confirmed.\"\n },\n \"recommendation_for_proceeding\": {\n \"next_steps\": \"Proceed with the application as all documents are verified and consistent.\",\n \"additional_inquiries\": \"Consider confirming the purpose of the loan further, especially regarding the requested amount in relation to the applicant\u0027s financial profile.\"\n },\n \"verification_scores\": {\n \"PAN_verification_score\": 95.5,\n \"Aadhaar_verification_score\": 98.2,\n \"Passport_verification_score\": 96.8,\n \"Address_Proof_verification_score\": 92.3\n },\n \"comments\": \"The applicant\u0027s documents are all valid and consistent, indicating a low risk for proceeding with the application. The verification scores are high, reflecting a strong level of confidence in the authenticity of the documents.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": \\\"100% - All documents are valid.\\\",\\n \\\"consistency_across_documents\\\": {\\n \\\"name_consistency\\\": \\\"Verified name matches across PAN and Aadhaar.\\\",\\n \\\"address_consistency\\\": \\\"Address matches across Aadhaar and Address Proof.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"expiry_dates\\\": \\\"All documents are valid and not expired.\\\",\\n \\\"biometric_verification\\\": \\\"Biometric verification for Aadhaar is confirmed.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"next_steps\\\": \\\"Proceed with the application as all documents are verified and consistent.\\\",\\n \\\"additional_inquiries\\\": \\\"Consider confirming the purpose of the loan further, especially regarding the requested amount in relation to the applicant\u0027s financial profile.\\\"\\n },\\n \\\"verification_scores\\\": {\\n \\\"PAN_verification_score\\\": 95.5,\\n \\\"Aadhaar_verification_score\\\": 98.2,\\n \\\"Passport_verification_score\\\": 96.8,\\n \\\"Address_Proof_verification_score\\\": 92.3\\n },\\n \\\"comments\\\": \\\"The applicant\u0027s documents are all valid and consistent, indicating a low risk for proceeding with the application. The verification scores are high, reflecting a strong level of confidence in the authenticity of the documents.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 541, \"completion_tokens\": 272, \"total_tokens\": 813, \"estimated_cost\": {\"amount\": 0.000244, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"overall_verification_success_rate\": \"100% - All documents are valid.\",\n \"consistency_across_documents\": {\n \"name_consistency\": \"Verified name matches across PAN and Aadhaar.\",\n \"address_consistency\": \"Address matches across Aadhaar and Address Proof.\"\n },\n \"risk_factors_identified\": {\n \"expiry_dates\": \"All documents are valid and not expired.\",\n \"biometric_verification\": \"Biometric verification for Aadhaar is confirmed.\"\n },\n \"recommendation_for_proceeding\": {\n \"next_steps\": \"Proceed with the application as all documents are verified and consistent.\",\n \"additional_inquiries\": \"Consider confirming the purpose of the loan further, especially regarding the requested amount in relation to the applicant\u0027s financial profile.\"\n },\n \"verification_scores\": {\n \"PAN_verification_score\": 95.5,\n \"Aadhaar_verification_score\": 98.2,\n \"Passport_verification_score\": 96.8,\n \"Address_Proof_verification_score\": 92.3\n },\n \"comments\": \"The applicant\u0027s documents are all valid and consistent, indicating a low risk for proceeding with the application. The verification scores are high, reflecting a strong level of confidence in the authenticity of the documents.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": \\\"100% - All documents are valid.\\\",\\n \\\"consistency_across_documents\\\": {\\n \\\"name_consistency\\\": \\\"Verified name matches across PAN and Aadhaar.\\\",\\n \\\"address_consistency\\\": \\\"Address matches across Aadhaar and Address Proof.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"expiry_dates\\\": \\\"All documents are valid and not expired.\\\",\\n \\\"biometric_verification\\\": \\\"Biometric verification for Aadhaar is confirmed.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"next_steps\\\": \\\"Proceed with the application as all documents are verified and consistent.\\\",\\n \\\"additional_inquiries\\\": \\\"Consider confirming the purpose of the loan further, especially regarding the requested amount in relation to the applicant\u0027s financial profile.\\\"\\n },\\n \\\"verification_scores\\\": {\\n \\\"PAN_verification_score\\\": 95.5,\\n \\\"Aadhaar_verification_score\\\": 98.2,\\n \\\"Passport_verification_score\\\": 96.8,\\n \\\"Address_Proof_verification_score\\\": 92.3\\n },\\n \\\"comments\\\": \\\"The applicant\u0027s documents are all valid and consistent, indicating a low risk for proceeding with the application. The verification scores are high, reflecting a strong level of confidence in the authenticity of the documents.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 541, \"completion_tokens\": 272, \"total_tokens\": 813, \"estimated_cost\": {\"amount\": 0.000244, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time payments\n- **Credit Utilization**: 35.5% (acceptable range is typically below 30-40%)\n- **Credit History Length**: 5 years (provides a good track record)\n- **Recent Inquiries**: 2 (a moderate number of inquiries)\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0% (no defaults)\n- **30 Days Late**: 12.0% (indicates some late payments, but not severe)\n- **60 Days Late**: 2.5% (relatively low)\n- **90 Days Late**: 0.5% (very low)\n- **Never Missed Payments**: 85.0% (strong repayment behavior)\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2% (within acceptable limits but slightly higher than ideal)\n- **Overall Credit Mix**: Diverse (includes credit cards, personal loans, and auto loans)\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (acceptable; typically below 0.4 is considered manageable)\n- **Total Outstanding Loans**: 125,000 (manageable given the income)\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: Excellent repayment track record with no defaults and a high percentage of on-time payments.\n\n### Risk Score Calculation\nConsidering the above factors, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good score)\n- **Payment History**: 10 points (Excellent payment history)\n- **Credit Utilization**: 15 points (Moderate utilization)\n- **Existing Loan Burden**: 10 points (Acceptable loan burden)\n- **Repayment Patterns**: 5 points (Strong repayment behavior)\n\n### Total Risk Score\n- **Risk Score**: 20 + 10 + 15 + 10 + 5 = **60** (on a scale of 1-100, where 100 is highest risk)\n\n### Recommendations\n1. **Monitor Financial Behavior**: Continue to monitor the applicant\u0027s financial behavior, especially the percentage of late payments.\n2. **Consider Loan Purpose**: Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Lower Credit Utilization**: Aim to reduce credit utilization below 30% to improve the credit profile further.\n4. **Maintain Good Repayment Practices**: Encourage the applicant to maintain their excellent repayment practices to avoid any late payments in the future.\n\n### Conclusion\nThe applicant presents a moderate risk profile with a risk score of 60. While they have a good credit score and repayment history, the presence of some late payments and moderate credit utilization should be monitored closely. Overall, the applicant is likely to be a reliable borrower, but ongoing financial discipline is recommended.",
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"system_message": "You are a credit risk assessment specialist. Analyze the provided credit data and calculate default risk.\n\nConsider:\n1. Credit score and history\n2. Repayment patterns\n3. Credit utilization\n4. Existing loan burden\n5. Overall risk profile\n\nProvide a risk score (1-100, where 100 is highest risk) and detailed risk analysis.\n"
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time payments\n- **Credit Utilization**: 35.5% (acceptable range is typically below 30-40%)\n- **Credit History Length**: 5 years (provides a good track record)\n- **Recent Inquiries**: 2 (a moderate number of inquiries)\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0% (no defaults)\n- **30 Days Late**: 12.0% (indicates some late payments, but not severe)\n- **60 Days Late**: 2.5% (relatively low)\n- **90 Days Late**: 0.5% (very low)\n- **Never Missed Payments**: 85.0% (strong repayment behavior)\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2% (within acceptable limits but slightly higher than ideal)\n- **Overall Credit Mix**: Diverse (includes credit cards, personal loans, and auto loans)\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (acceptable; typically below 0.4 is considered manageable)\n- **Total Outstanding Loans**: 125,000 (manageable given the income)\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: Excellent repayment track record with no defaults and a high percentage of on-time payments.\n\n### Risk Score Calculation\nConsidering the above factors, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good score)\n- **Payment History**: 10 points (Excellent payment history)\n- **Credit Utilization**: 15 points (Moderate utilization)\n- **Existing Loan Burden**: 10 points (Acceptable loan burden)\n- **Repayment Patterns**: 5 points (Strong repayment behavior)\n\n### Total Risk Score\n- **Risk Score**: 20 + 10 + 15 + 10 + 5 = **60** (on a scale of 1-100, where 100 is highest risk)\n\n### Recommendations\n1. **Monitor Financial Behavior**: Continue to monitor the applicant\u0027s financial behavior, especially the percentage of late payments.\n2. **Consider Loan Purpose**: Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Lower Credit Utilization**: Aim to reduce credit utilization below 30% to improve the credit profile further.\n4. **Maintain Good Repayment Practices**: Encourage the applicant to maintain their excellent repayment practices to avoid any late payments in the future.\n\n### Conclusion\nThe applicant presents a moderate risk profile with a risk score of 60. While they have a good credit score and repayment history, the presence of some late payments and moderate credit utilization should be monitored closely. Overall, the applicant is likely to be a reliable borrower, but ongoing financial discipline is recommended.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time payments\\n- **Credit Utilization**: 35.5% (acceptable range is typically below 30-40%)\\n- **Credit History Length**: 5 years (provides a good track record)\\n- **Recent Inquiries**: 2 (a moderate number of inquiries)\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0% (no defaults)\\n- **30 Days Late**: 12.0% (indicates some late payments, but not severe)\\n- **60 Days Late**: 2.5% (relatively low)\\n- **90 Days Late**: 0.5% (very low)\\n- **Never Missed Payments**: 85.0% (strong repayment behavior)\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2% (within acceptable limits but slightly higher than ideal)\\n- **Overall Credit Mix**: Diverse (includes credit cards, personal loans, and auto loans)\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (acceptable; typically below 0.4 is considered manageable)\\n- **Total Outstanding Loans**: 125,000 (manageable given the income)\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio.\\n- **Financial Discipline**: Excellent repayment track record with no defaults and a high percentage of on-time payments.\\n\\n### Risk Score Calculation\\nConsidering the above factors, we can assign a risk score based on the following criteria:\\n- **Credit Score**: 20 points (Good score)\\n- **Payment History**: 10 points (Excellent payment history)\\n- **Credit Utilization**: 15 points (Moderate utilization)\\n- **Existing Loan Burden**: 10 points (Acceptable loan burden)\\n- **Repayment Patterns**: 5 points (Strong repayment behavior)\\n\\n### Total Risk Score\\n- **Risk Score**: 20 + 10 + 15 + 10 + 5 = **60** (on a scale of 1-100, where 100 is highest risk)\\n\\n### Recommendations\\n1. **Monitor Financial Behavior**: Continue to monitor the applicant\u0027s financial behavior, especially the percentage of late payments.\\n2. **Consider Loan Purpose**: Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\\n3. **Encourage Lower Credit Utilization**: Aim to reduce credit utilization below 30% to improve the credit profile further.\\n4. **Maintain Good Repayment Practices**: Encourage the applicant to maintain their excellent repayment practices to avoid any late payments in the future.\\n\\n### Conclusion\\nThe applicant presents a moderate risk profile with a risk score of 60. 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"output": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time payments\n- **Credit Utilization**: 35.5% (acceptable range is typically below 30-40%)\n- **Credit History Length**: 5 years (provides a good track record)\n- **Recent Inquiries**: 2 (a moderate number of inquiries)\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0% (no defaults)\n- **30 Days Late**: 12.0% (indicates some late payments, but not severe)\n- **60 Days Late**: 2.5% (relatively low)\n- **90 Days Late**: 0.5% (very low)\n- **Never Missed Payments**: 85.0% (strong repayment behavior)\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2% (within acceptable limits but slightly higher than ideal)\n- **Overall Credit Mix**: Diverse (includes credit cards, personal loans, and auto loans)\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (acceptable; typically below 0.4 is considered manageable)\n- **Total Outstanding Loans**: 125,000 (manageable given the income)\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: Excellent repayment track record with no defaults and a high percentage of on-time payments.\n\n### Risk Score Calculation\nConsidering the above factors, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good score)\n- **Payment History**: 10 points (Excellent payment history)\n- **Credit Utilization**: 15 points (Moderate utilization)\n- **Existing Loan Burden**: 10 points (Acceptable loan burden)\n- **Repayment Patterns**: 5 points (Strong repayment behavior)\n\n### Total Risk Score\n- **Risk Score**: 20 + 10 + 15 + 10 + 5 = **60** (on a scale of 1-100, where 100 is highest risk)\n\n### Recommendations\n1. **Monitor Financial Behavior**: Continue to monitor the applicant\u0027s financial behavior, especially the percentage of late payments.\n2. **Consider Loan Purpose**: Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Lower Credit Utilization**: Aim to reduce credit utilization below 30% to improve the credit profile further.\n4. **Maintain Good Repayment Practices**: Encourage the applicant to maintain their excellent repayment practices to avoid any late payments in the future.\n\n### Conclusion\nThe applicant presents a moderate risk profile with a risk score of 60. While they have a good credit score and repayment history, the presence of some late payments and moderate credit utilization should be monitored closely. Overall, the applicant is likely to be a reliable borrower, but ongoing financial discipline is recommended.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time payments\\n- **Credit Utilization**: 35.5% (acceptable range is typically below 30-40%)\\n- **Credit History Length**: 5 years (provides a good track record)\\n- **Recent Inquiries**: 2 (a moderate number of inquiries)\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0% (no defaults)\\n- **30 Days Late**: 12.0% (indicates some late payments, but not severe)\\n- **60 Days Late**: 2.5% (relatively low)\\n- **90 Days Late**: 0.5% (very low)\\n- **Never Missed Payments**: 85.0% (strong repayment behavior)\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2% (within acceptable limits but slightly higher than ideal)\\n- **Overall Credit Mix**: Diverse (includes credit cards, personal loans, and auto loans)\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (acceptable; typically below 0.4 is considered manageable)\\n- **Total Outstanding Loans**: 125,000 (manageable given the income)\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio.\\n- **Financial Discipline**: Excellent repayment track record with no defaults and a high percentage of on-time payments.\\n\\n### Risk Score Calculation\\nConsidering the above factors, we can assign a risk score based on the following criteria:\\n- **Credit Score**: 20 points (Good score)\\n- **Payment History**: 10 points (Excellent payment history)\\n- **Credit Utilization**: 15 points (Moderate utilization)\\n- **Existing Loan Burden**: 10 points (Acceptable loan burden)\\n- **Repayment Patterns**: 5 points (Strong repayment behavior)\\n\\n### Total Risk Score\\n- **Risk Score**: 20 + 10 + 15 + 10 + 5 = **60** (on a scale of 1-100, where 100 is highest risk)\\n\\n### Recommendations\\n1. **Monitor Financial Behavior**: Continue to monitor the applicant\u0027s financial behavior, especially the percentage of late payments.\\n2. **Consider Loan Purpose**: Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\\n3. **Encourage Lower Credit Utilization**: Aim to reduce credit utilization below 30% to improve the credit profile further.\\n4. **Maintain Good Repayment Practices**: Encourage the applicant to maintain their excellent repayment practices to avoid any late payments in the future.\\n\\n### Conclusion\\nThe applicant presents a moderate risk profile with a risk score of 60. While they have a good credit score and repayment history, the presence of some late payments and moderate credit utilization should be monitored closely. Overall, the applicant is likely to be a reliable borrower, but ongoing financial discipline is recommended.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5217, \"completion_tokens\": 1348, \"total_tokens\": 6565, \"estimated_cost\": {\"amount\": 0.001591, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"extract_application_info": {
"customer_info": {
"address": "123 Main St, City, State 12345",
"annual_income": 75000,
"customer_id": "CUST_12345",
"email": "john.doe@email.com",
"employment_status": "employed",
"full_name": "John Doe",
"loan_purpose": "home_purchase",
"phone": "+1-555-0123",
"requested_amount": 10000
},
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"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 10000}, \"missing_fields\": []}\n",
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"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 10000}, \"missing_fields\": []}\n",
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"final_underwriting_analysis": {
"agent_type": "assistant",
"ai_response": "### Final Recommendation: APPROVE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: 7.5% (subject to market conditions)\n- **Loan Tenure**: 5 years\n- **Monthly EMI**: Approximately $200\n- **Prepayment Penalty**: None\n- **Documentation Required**: Confirmation of loan purpose and ongoing monitoring of financial behavior.\n\n#### Risk Mitigation Measures:\n1. **Ongoing Monitoring**: Regularly review the applicant\u0027s financial behavior, especially focusing on their credit utilization and payment history.\n2. **Loan Purpose Verification**: Confirm the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Financial Discipline**: Advise the applicant to maintain their excellent repayment practices and aim to reduce credit utilization below 30%.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate with a high quality score of 95. There are no red flags or inconsistencies, indicating a reliable applicant.\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The applicant\u0027s identity and address are consistent across all documents.\n3. **Income Assessment**: The applicant has a stable income of $81,600 annually, with a debt-to-income ratio of 35.9%, which is well within the acceptable limit of 40%. This indicates that the applicant can comfortably manage the proposed EMI along with existing debt payments.\n4. **Credit Profile**: The applicant has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and no defaults. While there are some late payments, they are not severe, and the overall repayment behavior is strong.\n5. **Compliance Status**: The applicant is compliant with all necessary regulations, with a low risk assessment in terms of KYC and AML. The compliance confidence score is high at 98, indicating strong adherence to regulatory standards.\n\n#### Confidence Level: 85\nThe decision to approve the loan is made with a high level of confidence, considering the applicant\u0027s strong financial profile, stable income, and compliance with regulations. However, the presence of some late payments and moderate credit utilization suggests that ongoing monitoring is essential to ensure continued financial discipline.",
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"system_message": "You are a senior underwriting manager making final loan decisions.\n\nAnalyze all assessment results and provide:\n1. Final recommendation (APPROVE/CONDITIONAL/DECLINE)\n2. Loan terms and conditions\n3. Risk mitigation measures\n4. Reasoning for decision\n5. Confidence level (1-100)\n\nConsider all factors: income, credit, compliance, and overall risk profile.\n"
},
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"output": "### Final Recommendation: APPROVE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: 7.5% (subject to market conditions)\n- **Loan Tenure**: 5 years\n- **Monthly EMI**: Approximately $200\n- **Prepayment Penalty**: None\n- **Documentation Required**: Confirmation of loan purpose and ongoing monitoring of financial behavior.\n\n#### Risk Mitigation Measures:\n1. **Ongoing Monitoring**: Regularly review the applicant\u0027s financial behavior, especially focusing on their credit utilization and payment history.\n2. **Loan Purpose Verification**: Confirm the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Financial Discipline**: Advise the applicant to maintain their excellent repayment practices and aim to reduce credit utilization below 30%.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate with a high quality score of 95. There are no red flags or inconsistencies, indicating a reliable applicant.\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The applicant\u0027s identity and address are consistent across all documents.\n3. **Income Assessment**: The applicant has a stable income of $81,600 annually, with a debt-to-income ratio of 35.9%, which is well within the acceptable limit of 40%. This indicates that the applicant can comfortably manage the proposed EMI along with existing debt payments.\n4. **Credit Profile**: The applicant has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and no defaults. While there are some late payments, they are not severe, and the overall repayment behavior is strong.\n5. **Compliance Status**: The applicant is compliant with all necessary regulations, with a low risk assessment in terms of KYC and AML. The compliance confidence score is high at 98, indicating strong adherence to regulatory standards.\n\n#### Confidence Level: 85\nThe decision to approve the loan is made with a high level of confidence, considering the applicant\u0027s strong financial profile, stable income, and compliance with regulations. However, the presence of some late payments and moderate credit utilization suggests that ongoing monitoring is essential to ensure continued financial discipline.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: APPROVE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: 7.5% (subject to market conditions)\\n- **Loan Tenure**: 5 years\\n- **Monthly EMI**: Approximately $200\\n- **Prepayment Penalty**: None\\n- **Documentation Required**: Confirmation of loan purpose and ongoing monitoring of financial behavior.\\n\\n#### Risk Mitigation Measures:\\n1. **Ongoing Monitoring**: Regularly review the applicant\u0027s financial behavior, especially focusing on their credit utilization and payment history.\\n2. **Loan Purpose Verification**: Confirm the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\\n3. **Encourage Financial Discipline**: Advise the applicant to maintain their excellent repayment practices and aim to reduce credit utilization below 30%.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate with a high quality score of 95. There are no red flags or inconsistencies, indicating a reliable applicant.\\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The applicant\u0027s identity and address are consistent across all documents.\\n3. **Income Assessment**: The applicant has a stable income of $81,600 annually, with a debt-to-income ratio of 35.9%, which is well within the acceptable limit of 40%. This indicates that the applicant can comfortably manage the proposed EMI along with existing debt payments.\\n4. **Credit Profile**: The applicant has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and no defaults. While there are some late payments, they are not severe, and the overall repayment behavior is strong.\\n5. **Compliance Status**: The applicant is compliant with all necessary regulations, with a low risk assessment in terms of KYC and AML. The compliance confidence score is high at 98, indicating strong adherence to regulatory standards.\\n\\n#### Confidence Level: 85\\nThe decision to approve the loan is made with a high level of confidence, considering the applicant\u0027s strong financial profile, stable income, and compliance with regulations. However, the presence of some late payments and moderate credit utilization suggests that ongoing monitoring is essential to ensure continued financial discipline.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 12610, \"completion_tokens\": 979, \"total_tokens\": 13589, \"estimated_cost\": {\"amount\": 0.002479, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "### Final Recommendation: APPROVE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: 7.5% (subject to market conditions)\n- **Loan Tenure**: 5 years\n- **Monthly EMI**: Approximately $200\n- **Prepayment Penalty**: None\n- **Documentation Required**: Confirmation of loan purpose and ongoing monitoring of financial behavior.\n\n#### Risk Mitigation Measures:\n1. **Ongoing Monitoring**: Regularly review the applicant\u0027s financial behavior, especially focusing on their credit utilization and payment history.\n2. **Loan Purpose Verification**: Confirm the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Financial Discipline**: Advise the applicant to maintain their excellent repayment practices and aim to reduce credit utilization below 30%.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate with a high quality score of 95. There are no red flags or inconsistencies, indicating a reliable applicant.\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The applicant\u0027s identity and address are consistent across all documents.\n3. **Income Assessment**: The applicant has a stable income of $81,600 annually, with a debt-to-income ratio of 35.9%, which is well within the acceptable limit of 40%. This indicates that the applicant can comfortably manage the proposed EMI along with existing debt payments.\n4. **Credit Profile**: The applicant has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and no defaults. While there are some late payments, they are not severe, and the overall repayment behavior is strong.\n5. **Compliance Status**: The applicant is compliant with all necessary regulations, with a low risk assessment in terms of KYC and AML. The compliance confidence score is high at 98, indicating strong adherence to regulatory standards.\n\n#### Confidence Level: 85\nThe decision to approve the loan is made with a high level of confidence, considering the applicant\u0027s strong financial profile, stable income, and compliance with regulations. However, the presence of some late payments and moderate credit utilization suggests that ongoing monitoring is essential to ensure continued financial discipline.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: APPROVE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: 7.5% (subject to market conditions)\\n- **Loan Tenure**: 5 years\\n- **Monthly EMI**: Approximately $200\\n- **Prepayment Penalty**: None\\n- **Documentation Required**: Confirmation of loan purpose and ongoing monitoring of financial behavior.\\n\\n#### Risk Mitigation Measures:\\n1. **Ongoing Monitoring**: Regularly review the applicant\u0027s financial behavior, especially focusing on their credit utilization and payment history.\\n2. **Loan Purpose Verification**: Confirm the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\\n3. **Encourage Financial Discipline**: Advise the applicant to maintain their excellent repayment practices and aim to reduce credit utilization below 30%.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate with a high quality score of 95. There are no red flags or inconsistencies, indicating a reliable applicant.\\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The applicant\u0027s identity and address are consistent across all documents.\\n3. **Income Assessment**: The applicant has a stable income of $81,600 annually, with a debt-to-income ratio of 35.9%, which is well within the acceptable limit of 40%. This indicates that the applicant can comfortably manage the proposed EMI along with existing debt payments.\\n4. **Credit Profile**: The applicant has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and no defaults. While there are some late payments, they are not severe, and the overall repayment behavior is strong.\\n5. **Compliance Status**: The applicant is compliant with all necessary regulations, with a low risk assessment in terms of KYC and AML. The compliance confidence score is high at 98, indicating strong adherence to regulatory standards.\\n\\n#### Confidence Level: 85\\nThe decision to approve the loan is made with a high level of confidence, considering the applicant\u0027s strong financial profile, stable income, and compliance with regulations. However, the presence of some late payments and moderate credit utilization suggests that ongoing monitoring is essential to ensure continued financial discipline.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 12610, \"completion_tokens\": 979, \"total_tokens\": 13589, \"estimated_cost\": {\"amount\": 0.002479, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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},
"flag_for_manual_review": {
"approval_date": "2024-07-15",
"approval_type": "automatic_complex_case",
"conditions": [
"Quarterly income verification for first year",
"Maintain minimum account balance",
"No additional loans for 12 months",
"Property insurance with bank as beneficiary"
],
"decision": "AUTO_APPROVED_WITH_CONDITIONS",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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"interest_rate": 9.0,
"loan_amount": 10000,
"monthly_emi": 45.42,
"notes": "Auto-approved with enhanced monitoring due to complex risk factors",
"offer_validity": "2024-08-10",
"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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},
"generate_final_output": {
"application_id": "123",
"decision_summary": {
"compliance_status": "compliant",
"credit_score": 337.9,
"debt_to_income_ratio": 0.3590686274509804,
"risk_category": "high"
},
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"output": "__OUTPUTS__ {\"application_id\": \"123\", \"processing_date\": \"2024-07-15\", \"workflow_status\": \"completed\", \"processing_time_minutes\": 45, \"decision_summary\": {\"credit_score\": 337.9, \"debt_to_income_ratio\": 0.3590686274509804, \"compliance_status\": \"compliant\", \"risk_category\": \"high\"}, \"next_steps\": [\"Customer notification\", \"Document archival\", \"Compliance reporting\"]}\n",
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},
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"output": "__OUTPUTS__ {\"application_id\": \"123\", \"processing_date\": \"2024-07-15\", \"workflow_status\": \"completed\", \"processing_time_minutes\": 45, \"decision_summary\": {\"credit_score\": 337.9, \"debt_to_income_ratio\": 0.3590686274509804, \"compliance_status\": \"compliant\", \"risk_category\": \"high\"}, \"next_steps\": [\"Customer notification\", \"Document archival\", \"Compliance reporting\"]}\n",
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"income_assessment": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"stability_score\": 90,\n \"comments\": \"The applicant has a stable employment history with a recent salary increment, indicating a positive outlook on income stability.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"existing_debt_payments\": 2400,\n \"proposed_emi\": 41.67,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts and proposed loan payments.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true,\n \"financial_discipline_score\": 85.5\n },\n \"comments\": \"The applicant demonstrates strong financial discipline with consistent salary credits, no bounced transactions, and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [],\n \"recommendations\": [\n \"Continue monitoring the applicant\u0027s financial behavior for any changes in income or expenses.\",\n \"Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but ongoing monitoring is recommended.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the proposed loan amount, with a strong financial profile and low risk of default.\"\n}\n```",
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"system_message": "You are a senior financial analyst specializing in income assessment for loan underwriting.\n\nAnalyze the provided income data and provide:\n1. Income stability assessment\n2. Debt servicing capability\n3. Financial discipline evaluation\n4. Risk factors and recommendations\n5. Overall income adequacy score (1-100)\n\nReturn a detailed JSON assessment.\n"
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"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"stability_score\": 90,\n \"comments\": \"The applicant has a stable employment history with a recent salary increment, indicating a positive outlook on income stability.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"existing_debt_payments\": 2400,\n \"proposed_emi\": 41.67,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts and proposed loan payments.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true,\n \"financial_discipline_score\": 85.5\n },\n \"comments\": \"The applicant demonstrates strong financial discipline with consistent salary credits, no bounced transactions, and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [],\n \"recommendations\": [\n \"Continue monitoring the applicant\u0027s financial behavior for any changes in income or expenses.\",\n \"Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but ongoing monitoring is recommended.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the proposed loan amount, with a strong financial profile and low risk of default.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true,\\n \\\"stability_score\\\": 90,\\n \\\"comments\\\": \\\"The applicant has a stable employment history with a recent salary increment, indicating a positive outlook on income stability.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"existing_debt_payments\\\": 2400,\\n \\\"proposed_emi\\\": 41.67,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts and proposed loan payments.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"salary_credits_consistent\\\": true,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"comments\\\": \\\"The applicant demonstrates strong financial discipline with consistent salary credits, no bounced transactions, and a stable account balance trend.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring the applicant\u0027s financial behavior for any changes in income or expenses.\\\",\\n \\\"Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant\u0027s financial profile is strong, but ongoing monitoring is recommended.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the proposed loan amount, with a strong financial profile and low risk of default.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5306, \"completion_tokens\": 1136, \"total_tokens\": 6442, \"estimated_cost\": {\"amount\": 0.001477, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"stability_score\": 90,\n \"comments\": \"The applicant has a stable employment history with a recent salary increment, indicating a positive outlook on income stability.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"existing_debt_payments\": 2400,\n \"proposed_emi\": 41.67,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts and proposed loan payments.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true,\n \"financial_discipline_score\": 85.5\n },\n \"comments\": \"The applicant demonstrates strong financial discipline with consistent salary credits, no bounced transactions, and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [],\n \"recommendations\": [\n \"Continue monitoring the applicant\u0027s financial behavior for any changes in income or expenses.\",\n \"Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but ongoing monitoring is recommended.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the proposed loan amount, with a strong financial profile and low risk of default.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true,\\n \\\"stability_score\\\": 90,\\n \\\"comments\\\": \\\"The applicant has a stable employment history with a recent salary increment, indicating a positive outlook on income stability.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"existing_debt_payments\\\": 2400,\\n \\\"proposed_emi\\\": 41.67,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts and proposed loan payments.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"salary_credits_consistent\\\": true,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"comments\\\": \\\"The applicant demonstrates strong financial discipline with consistent salary credits, no bounced transactions, and a stable account balance trend.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring the applicant\u0027s financial behavior for any changes in income or expenses.\\\",\\n \\\"Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant\u0027s financial profile is strong, but ongoing monitoring is recommended.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the proposed loan amount, with a strong financial profile and low risk of default.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5306, \"completion_tokens\": 1136, \"total_tokens\": 6442, \"estimated_cost\": {\"amount\": 0.001477, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"internal_policy_check": {
"age_criteria_met": true,
"credit_score_threshold_met": true,
"employment_criteria_met": true,
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"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
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},
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"ltv_ratio_acceptable": true,
"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
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"output": "__OUTPUTS__ {\"kyc_status\": \"compliant\", \"identity_verified\": true, \"address_verified\": true, \"income_verified\": true, \"documents_complete\": true, \"risk_category\": \"low\", \"compliance_score\": 98.5, \"last_updated\": \"2024-07-15\", \"regulatory_requirements_met\": true}\n",
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"identity_verified": true,
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"output": "__OUTPUTS__ {\"kyc_status\": \"compliant\", \"identity_verified\": true, \"address_verified\": true, \"income_verified\": true, \"documents_complete\": true, \"risk_category\": \"low\", \"compliance_score\": 98.5, \"last_updated\": \"2024-07-15\", \"regulatory_requirements_met\": true}\n",
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"output": "__OUTPUTS__ {\"rbi_guidelines_met\": true, \"lending_norms_compliant\": true, \"documentation_complete\": true, \"disclosure_requirements_met\": true, \"consumer_protection_compliant\": true, \"data_privacy_compliant\": true, \"compliance_score\": 97.2, \"audit_trail_complete\": true, \"regulatory_risk\": \"minimal\"}\n",
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"regulatory_risk": "minimal",
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"task_id": "regulatory_compliance"
},
"status": "SUCCESS",
"task_outputs": {
"aml_screening": {
"adverse_media": "no_hits",
"aml_status": "cleared",
"compliance_score": 96.8,
"execution_details": {
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"output": "__OUTPUTS__ {\"aml_status\": \"cleared\", \"watchlist_check\": \"no_matches\", \"pep_screening\": \"not_identified\", \"sanctions_check\": \"cleared\", \"adverse_media\": \"no_hits\", \"risk_rating\": \"low\", \"compliance_score\": 96.8, \"screening_date\": \"2024-07-15\", \"manual_review_required\": false}\n",
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"output": "__OUTPUTS__ {\"aml_status\": \"cleared\", \"watchlist_check\": \"no_matches\", \"pep_screening\": \"not_identified\", \"sanctions_check\": \"cleared\", \"adverse_media\": \"no_hits\", \"risk_rating\": \"low\", \"compliance_score\": 96.8, \"screening_date\": \"2024-07-15\", \"manual_review_required\": false}\n",
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"analyze_bank_statements": {
"account_balance_trend": "stable",
"average_monthly_credits": 7200,
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"execution_details": {
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"output": "__OUTPUTS__ {\"average_monthly_credits\": 7200, \"salary_credits_consistent\": true, \"account_balance_trend\": \"stable\", \"minimum_balance\": 15000, \"maximum_balance\": 45000, \"bounced_transactions\": 0, \"loan_emis_detected\": 2, \"total_monthly_debits\": 5800, \"financial_discipline_score\": 85.5, \"irregular_transactions\": false}\n",
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"financial_discipline_score": 85.5,
"irregular_transactions": false,
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"maximum_balance": 45000,
"minimum_balance": 15000,
"output": "__OUTPUTS__ {\"average_monthly_credits\": 7200, \"salary_credits_consistent\": true, \"account_balance_trend\": \"stable\", \"minimum_balance\": 15000, \"maximum_balance\": 45000, \"bounced_transactions\": 0, \"loan_emis_detected\": 2, \"total_monthly_debits\": 5800, \"financial_discipline_score\": 85.5, \"irregular_transactions\": false}\n",
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},
"analyze_credit_history": {
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"credit_cards": 3,
"home_loans": 0,
"other": 1,
"personal_loans": 1
},
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"output": "__OUTPUTS__ {\"oldest_account_age\": \"60 months\", \"average_account_age\": \"32 months\", \"credit_mix\": {\"credit_cards\": 3, \"personal_loans\": 1, \"auto_loans\": 1, \"home_loans\": 0, \"other\": 1}, \"repayment_behavior\": {\"never_missed\": 85.0, \"30_days_late\": 12.0, \"60_days_late\": 2.5, \"90_days_late\": 0.5, \"defaults\": 0.0}, \"credit_limit_utilization\": 35.2, \"recent_credit_behavior\": \"stable\"}\n",
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},
"oldest_account_age": "60 months",
"output": "__OUTPUTS__ {\"oldest_account_age\": \"60 months\", \"average_account_age\": \"32 months\", \"credit_mix\": {\"credit_cards\": 3, \"personal_loans\": 1, \"auto_loans\": 1, \"home_loans\": 0, \"other\": 1}, \"repayment_behavior\": {\"never_missed\": 85.0, \"30_days_late\": 12.0, \"60_days_late\": 2.5, \"90_days_late\": 0.5, \"defaults\": 0.0}, \"credit_limit_utilization\": 35.2, \"recent_credit_behavior\": \"stable\"}\n",
"recent_credit_behavior": "stable",
"repayment_behavior": {
"30_days_late": 12.0,
"60_days_late": 2.5,
"90_days_late": 0.5,
"defaults": 0.0,
"never_missed": 85.0
},
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "analyze_credit_history"
},
"analyze_salary_slips": {
"annual_gross": 102000,
"annual_net": 81600,
"deductions": {
"insurance": 300,
"pf": 500,
"tax": 1200
},
"employer": "Tech Corp Ltd",
"employment_duration": "2.5 years",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
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},
"monthly_gross": 8500,
"monthly_net": 6800,
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"recent_increment": true,
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"application_quality_check": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"completeness\": \"100% - All required fields are filled.\",\n \"accuracy\": \"All provided information appears accurate based on standard formats.\"\n },\n \"consistency_of_information\": {\n \"consistency\": \"All information is consistent with typical loan application requirements.\",\n \"employment_status\": \"Employed status aligns with the annual income provided.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": \"No inconsistencies detected.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is complete and accurate with no red flags. The requested loan amount of $10,000 is relatively low compared to the annual income of $75,000, which may indicate a reasonable risk. However, the purpose of the loan for home purchase typically requires a larger amount, which could be a point of concern for further inquiry.\"\n}\n```",
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"system_message": "You are an expert loan underwriting analyst. Review the application data and assess its quality.\n\nEvaluate:\n1. Data completeness and accuracy\n2. Consistency of information\n3. Red flags or inconsistencies\n4. Overall application quality score (1-100)\n\nReturn a JSON response with your assessment.\n"
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"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"completeness\": \"100% - All required fields are filled.\",\n \"accuracy\": \"All provided information appears accurate based on standard formats.\"\n },\n \"consistency_of_information\": {\n \"consistency\": \"All information is consistent with typical loan application requirements.\",\n \"employment_status\": \"Employed status aligns with the annual income provided.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": \"No inconsistencies detected.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is complete and accurate with no red flags. The requested loan amount of $10,000 is relatively low compared to the annual income of $75,000, which may indicate a reasonable risk. However, the purpose of the loan for home purchase typically requires a larger amount, which could be a point of concern for further inquiry.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"completeness\\\": \\\"100% - All required fields are filled.\\\",\\n \\\"accuracy\\\": \\\"All provided information appears accurate based on standard formats.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistency\\\": \\\"All information is consistent with typical loan application requirements.\\\",\\n \\\"employment_status\\\": \\\"Employed status aligns with the annual income provided.\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"inconsistencies\\\": \\\"No inconsistencies detected.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is complete and accurate with no red flags. The requested loan amount of $10,000 is relatively low compared to the annual income of $75,000, which may indicate a reasonable risk. However, the purpose of the loan for home purchase typically requires a larger amount, which could be a point of concern for further inquiry.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 199, \"completion_tokens\": 206, \"total_tokens\": 405, \"estimated_cost\": {\"amount\": 0.000153, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"duration_seconds": 3.903528,
"end_time": "2025-07-16T06:58:18.180100",
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"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"completeness\": \"100% - All required fields are filled.\",\n \"accuracy\": \"All provided information appears accurate based on standard formats.\"\n },\n \"consistency_of_information\": {\n \"consistency\": \"All information is consistent with typical loan application requirements.\",\n \"employment_status\": \"Employed status aligns with the annual income provided.\"\n },\n \"red_flags_or_inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": \"No inconsistencies detected.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is complete and accurate with no red flags. The requested loan amount of $10,000 is relatively low compared to the annual income of $75,000, which may indicate a reasonable risk. However, the purpose of the loan for home purchase typically requires a larger amount, which could be a point of concern for further inquiry.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"completeness\\\": \\\"100% - All required fields are filled.\\\",\\n \\\"accuracy\\\": \\\"All provided information appears accurate based on standard formats.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistency\\\": \\\"All information is consistent with typical loan application requirements.\\\",\\n \\\"employment_status\\\": \\\"Employed status aligns with the annual income provided.\\\"\\n },\\n \\\"red_flags_or_inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"inconsistencies\\\": \\\"No inconsistencies detected.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is complete and accurate with no red flags. The requested loan amount of $10,000 is relatively low compared to the annual income of $75,000, which may indicate a reasonable risk. However, the purpose of the loan for home purchase typically requires a larger amount, which could be a point of concern for further inquiry.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 199, \"completion_tokens\": 206, \"total_tokens\": 405, \"estimated_cost\": {\"amount\": 0.000153, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"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,
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},
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},
"loan_burden_ratio": 0.28,
"loan_details": [
{
"emi": 3500,
"outstanding": 45000,
"remaining_tenure": "18 months",
"type": "personal_loan"
},
{
"emi": 4200,
"outstanding": 80000,
"remaining_tenure": "24 months",
"type": "auto_loan"
}
],
"number_of_loans": 2,
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"repayment_track_record": "excellent",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "assess_existing_loans",
"total_monthly_emi": 7700,
"total_outstanding": 125000
},
"calculate_credit_score": {
"cibil_score": 720,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"status": "completed",
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},
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"end_time": "2025-07-16T06:58:49.047800",
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"worker_executed": true,
"workers_notified": true
},
"internal_credit_score": 337.9,
"min_required_score": 650,
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"risk_category": "high",
"score_acceptable": false,
"scoring_factors": {
"cibil_contribution": 288.0,
"loan_burden_contribution": 7.2,
"payment_history_contribution": 29.7,
"utilization_contribution": 12.96
},
"status": "completed",
"stderr": "",
"task_id": "calculate_credit_score"
},
"calculate_debt_to_income": {
"debt_to_income_ratio": 0.3590686274509804,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
"return_code": 0,
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},
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"end_time": "2025-07-16T06:58:25.967156",
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"worker_executed": true,
"workers_notified": true
},
"existing_debt_payments": 2400,
"max_allowed_ratio": 0.4,
"monthly_net_income": 6800,
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
"proposed_emi": 41.666666666666664,
"ratio_acceptable": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "calculate_debt_to_income",
"total_debt_payments": 2441.6666666666665
},
"check_cibil_score": {
"active_accounts": 6,
"closed_accounts": 2,
"credit_history_length": "5 years",
"credit_score": 720,
"credit_utilization": 35.5,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"return_code": 0,
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},
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"timestamp": "2025-07-16T06:58:35.847084",
"worker_executed": true,
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},
"last_updated": "2024-06-01",
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"payment_history": "99% on-time",
"recent_inquiries": 2,
"return_code": 0,
"score_range": "Good",
"status": "completed",
"stderr": "",
"task_id": "check_cibil_score",
"total_accounts": 8
},
"compliance_consolidation": {
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"ai_response": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk_category\": \"Low\",\n \"aml_risk_rating\": \"Low\",\n \"regulatory_risk\": \"Minimal\"\n },\n \"compliance_scores\": {\n \"kyc_compliance_score\": 98.5,\n \"aml_compliance_score\": 96.8,\n \"regulatory_compliance_score\": 97.2,\n \"internal_policy_compliance_score\": 95.5\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue monitoring compliance with KYC and AML regulations.\",\n \"Maintain adherence to internal policies and regulatory guidelines.\",\n \"Regularly review and update compliance documentation to ensure ongoing compliance.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of the Assessment:\n1. **Overall Compliance Status**: The applicant is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low, with minimal regulatory risk.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: Ongoing monitoring and adherence to compliance standards are recommended.\n5. **Compliance Confidence Score**: A high score of 98 indicates strong confidence in the compliance status of the applicant.",
"execution_details": {
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"system_message": "You are a compliance officer specializing in loan underwriting compliance.\n\nReview all compliance check results and provide:\n1. Overall compliance status\n2. Risk assessment\n3. Any compliance gaps or concerns\n4. Recommendations for proceeding\n5. Compliance confidence score (1-100)\n\nReturn a comprehensive compliance assessment in JSON format.\n"
},
"input_format": "json",
"model_client_id": "compliance_reviewer",
"output": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk_category\": \"Low\",\n \"aml_risk_rating\": \"Low\",\n \"regulatory_risk\": \"Minimal\"\n },\n \"compliance_scores\": {\n \"kyc_compliance_score\": 98.5,\n \"aml_compliance_score\": 96.8,\n \"regulatory_compliance_score\": 97.2,\n \"internal_policy_compliance_score\": 95.5\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue monitoring compliance with KYC and AML regulations.\",\n \"Maintain adherence to internal policies and regulatory guidelines.\",\n \"Regularly review and update compliance documentation to ensure ongoing compliance.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of the Assessment:\n1. **Overall Compliance Status**: The applicant is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low, with minimal regulatory risk.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: Ongoing monitoring and adherence to compliance standards are recommended.\n5. **Compliance Confidence Score**: A high score of 98 indicates strong confidence in the compliance status of the applicant.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk_category\\\": \\\"Low\\\",\\n \\\"aml_risk_rating\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\"\\n },\\n \\\"compliance_scores\\\": {\\n \\\"kyc_compliance_score\\\": 98.5,\\n \\\"aml_compliance_score\\\": 96.8,\\n \\\"regulatory_compliance_score\\\": 97.2,\\n \\\"internal_policy_compliance_score\\\": 95.5\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue monitoring compliance with KYC and AML regulations.\\\",\\n \\\"Maintain adherence to internal policies and regulatory guidelines.\\\",\\n \\\"Regularly review and update compliance documentation to ensure ongoing compliance.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Summary of the Assessment:\\n1. **Overall Compliance Status**: The applicant is compliant with all necessary regulations and internal policies.\\n2. **Risk Assessment**: The overall risk is categorized as low, with minimal regulatory risk.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\\n4. **Recommendations for Proceeding**: Ongoing monitoring and adherence to compliance standards are recommended.\\n5. **Compliance Confidence Score**: A high score of 98 indicates strong confidence in the compliance status of the applicant.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 6519, \"completion_tokens\": 746, \"total_tokens\": 7265, \"estimated_cost\": {\"amount\": 0.001425, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk_category\": \"Low\",\n \"aml_risk_rating\": \"Low\",\n \"regulatory_risk\": \"Minimal\"\n },\n \"compliance_scores\": {\n \"kyc_compliance_score\": 98.5,\n \"aml_compliance_score\": 96.8,\n \"regulatory_compliance_score\": 97.2,\n \"internal_policy_compliance_score\": 95.5\n },\n \"compliance_gaps_or_concerns\": {\n \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Continue monitoring compliance with KYC and AML regulations.\",\n \"Maintain adherence to internal policies and regulatory guidelines.\",\n \"Regularly review and update compliance documentation to ensure ongoing compliance.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Summary of the Assessment:\n1. **Overall Compliance Status**: The applicant is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: The overall risk is categorized as low, with minimal regulatory risk.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: Ongoing monitoring and adherence to compliance standards are recommended.\n5. **Compliance Confidence Score**: A high score of 98 indicates strong confidence in the compliance status of the applicant.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk_category\\\": \\\"Low\\\",\\n \\\"aml_risk_rating\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\"\\n },\\n \\\"compliance_scores\\\": {\\n \\\"kyc_compliance_score\\\": 98.5,\\n \\\"aml_compliance_score\\\": 96.8,\\n \\\"regulatory_compliance_score\\\": 97.2,\\n \\\"internal_policy_compliance_score\\\": 95.5\\n },\\n \\\"compliance_gaps_or_concerns\\\": {\\n \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Continue monitoring compliance with KYC and AML regulations.\\\",\\n \\\"Maintain adherence to internal policies and regulatory guidelines.\\\",\\n \\\"Regularly review and update compliance documentation to ensure ongoing compliance.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Summary of the Assessment:\\n1. **Overall Compliance Status**: The applicant is compliant with all necessary regulations and internal policies.\\n2. **Risk Assessment**: The overall risk is categorized as low, with minimal regulatory risk.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\\n4. **Recommendations for Proceeding**: Ongoing monitoring and adherence to compliance standards are recommended.\\n5. **Compliance Confidence Score**: A high score of 98 indicates strong confidence in the compliance status of the applicant.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 6519, \"completion_tokens\": 746, \"total_tokens\": 7265, \"estimated_cost\": {\"amount\": 0.001425, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "```json\n{\n \"overall_verification_success_rate\": \"100% - All documents are valid.\",\n \"consistency_across_documents\": {\n \"name_consistency\": \"Verified name matches across PAN and Aadhaar.\",\n \"address_consistency\": \"Address matches across Aadhaar and Address Proof.\"\n },\n \"risk_factors_identified\": {\n \"expiry_dates\": \"All documents are valid and not expired.\",\n \"biometric_verification\": \"Biometric verification for Aadhaar is confirmed.\"\n },\n \"recommendation_for_proceeding\": {\n \"next_steps\": \"Proceed with the application as all documents are verified and consistent.\",\n \"additional_inquiries\": \"Consider confirming the purpose of the loan further, especially regarding the requested amount in relation to the applicant\u0027s financial profile.\"\n },\n \"verification_scores\": {\n \"PAN_verification_score\": 95.5,\n \"Aadhaar_verification_score\": 98.2,\n \"Passport_verification_score\": 96.8,\n \"Address_Proof_verification_score\": 92.3\n },\n \"comments\": \"The applicant\u0027s documents are all valid and consistent, indicating a low risk for proceeding with the application. The verification scores are high, reflecting a strong level of confidence in the authenticity of the documents.\"\n}\n```",
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"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
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"output": "```json\n{\n \"overall_verification_success_rate\": \"100% - All documents are valid.\",\n \"consistency_across_documents\": {\n \"name_consistency\": \"Verified name matches across PAN and Aadhaar.\",\n \"address_consistency\": \"Address matches across Aadhaar and Address Proof.\"\n },\n \"risk_factors_identified\": {\n \"expiry_dates\": \"All documents are valid and not expired.\",\n \"biometric_verification\": \"Biometric verification for Aadhaar is confirmed.\"\n },\n \"recommendation_for_proceeding\": {\n \"next_steps\": \"Proceed with the application as all documents are verified and consistent.\",\n \"additional_inquiries\": \"Consider confirming the purpose of the loan further, especially regarding the requested amount in relation to the applicant\u0027s financial profile.\"\n },\n \"verification_scores\": {\n \"PAN_verification_score\": 95.5,\n \"Aadhaar_verification_score\": 98.2,\n \"Passport_verification_score\": 96.8,\n \"Address_Proof_verification_score\": 92.3\n },\n \"comments\": \"The applicant\u0027s documents are all valid and consistent, indicating a low risk for proceeding with the application. The verification scores are high, reflecting a strong level of confidence in the authenticity of the documents.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": \\\"100% - All documents are valid.\\\",\\n \\\"consistency_across_documents\\\": {\\n \\\"name_consistency\\\": \\\"Verified name matches across PAN and Aadhaar.\\\",\\n \\\"address_consistency\\\": \\\"Address matches across Aadhaar and Address Proof.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"expiry_dates\\\": \\\"All documents are valid and not expired.\\\",\\n \\\"biometric_verification\\\": \\\"Biometric verification for Aadhaar is confirmed.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"next_steps\\\": \\\"Proceed with the application as all documents are verified and consistent.\\\",\\n \\\"additional_inquiries\\\": \\\"Consider confirming the purpose of the loan further, especially regarding the requested amount in relation to the applicant\u0027s financial profile.\\\"\\n },\\n \\\"verification_scores\\\": {\\n \\\"PAN_verification_score\\\": 95.5,\\n \\\"Aadhaar_verification_score\\\": 98.2,\\n \\\"Passport_verification_score\\\": 96.8,\\n \\\"Address_Proof_verification_score\\\": 92.3\\n },\\n \\\"comments\\\": \\\"The applicant\u0027s documents are all valid and consistent, indicating a low risk for proceeding with the application. The verification scores are high, reflecting a strong level of confidence in the authenticity of the documents.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 541, \"completion_tokens\": 272, \"total_tokens\": 813, \"estimated_cost\": {\"amount\": 0.000244, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"overall_verification_success_rate\": \"100% - All documents are valid.\",\n \"consistency_across_documents\": {\n \"name_consistency\": \"Verified name matches across PAN and Aadhaar.\",\n \"address_consistency\": \"Address matches across Aadhaar and Address Proof.\"\n },\n \"risk_factors_identified\": {\n \"expiry_dates\": \"All documents are valid and not expired.\",\n \"biometric_verification\": \"Biometric verification for Aadhaar is confirmed.\"\n },\n \"recommendation_for_proceeding\": {\n \"next_steps\": \"Proceed with the application as all documents are verified and consistent.\",\n \"additional_inquiries\": \"Consider confirming the purpose of the loan further, especially regarding the requested amount in relation to the applicant\u0027s financial profile.\"\n },\n \"verification_scores\": {\n \"PAN_verification_score\": 95.5,\n \"Aadhaar_verification_score\": 98.2,\n \"Passport_verification_score\": 96.8,\n \"Address_Proof_verification_score\": 92.3\n },\n \"comments\": \"The applicant\u0027s documents are all valid and consistent, indicating a low risk for proceeding with the application. The verification scores are high, reflecting a strong level of confidence in the authenticity of the documents.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": \\\"100% - All documents are valid.\\\",\\n \\\"consistency_across_documents\\\": {\\n \\\"name_consistency\\\": \\\"Verified name matches across PAN and Aadhaar.\\\",\\n \\\"address_consistency\\\": \\\"Address matches across Aadhaar and Address Proof.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"expiry_dates\\\": \\\"All documents are valid and not expired.\\\",\\n \\\"biometric_verification\\\": \\\"Biometric verification for Aadhaar is confirmed.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"next_steps\\\": \\\"Proceed with the application as all documents are verified and consistent.\\\",\\n \\\"additional_inquiries\\\": \\\"Consider confirming the purpose of the loan further, especially regarding the requested amount in relation to the applicant\u0027s financial profile.\\\"\\n },\\n \\\"verification_scores\\\": {\\n \\\"PAN_verification_score\\\": 95.5,\\n \\\"Aadhaar_verification_score\\\": 98.2,\\n \\\"Passport_verification_score\\\": 96.8,\\n \\\"Address_Proof_verification_score\\\": 92.3\\n },\\n \\\"comments\\\": \\\"The applicant\u0027s documents are all valid and consistent, indicating a low risk for proceeding with the application. The verification scores are high, reflecting a strong level of confidence in the authenticity of the documents.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 541, \"completion_tokens\": 272, \"total_tokens\": 813, \"estimated_cost\": {\"amount\": 0.000244, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"evaluate_default_risk": {
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"ai_response": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time payments\n- **Credit Utilization**: 35.5% (acceptable range is typically below 30-40%)\n- **Credit History Length**: 5 years (provides a good track record)\n- **Recent Inquiries**: 2 (a moderate number of inquiries)\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0% (no defaults)\n- **30 Days Late**: 12.0% (indicates some late payments, but not severe)\n- **60 Days Late**: 2.5% (relatively low)\n- **90 Days Late**: 0.5% (very low)\n- **Never Missed Payments**: 85.0% (strong repayment behavior)\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2% (within acceptable limits but slightly higher than ideal)\n- **Overall Credit Mix**: Diverse (includes credit cards, personal loans, and auto loans)\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (acceptable; typically below 0.4 is considered manageable)\n- **Total Outstanding Loans**: 125,000 (manageable given the income)\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: Excellent repayment track record with no defaults and a high percentage of on-time payments.\n\n### Risk Score Calculation\nConsidering the above factors, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good score)\n- **Payment History**: 10 points (Excellent payment history)\n- **Credit Utilization**: 15 points (Moderate utilization)\n- **Existing Loan Burden**: 10 points (Acceptable loan burden)\n- **Repayment Patterns**: 5 points (Strong repayment behavior)\n\n### Total Risk Score\n- **Risk Score**: 20 + 10 + 15 + 10 + 5 = **60** (on a scale of 1-100, where 100 is highest risk)\n\n### Recommendations\n1. **Monitor Financial Behavior**: Continue to monitor the applicant\u0027s financial behavior, especially the percentage of late payments.\n2. **Consider Loan Purpose**: Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Lower Credit Utilization**: Aim to reduce credit utilization below 30% to improve the credit profile further.\n4. **Maintain Good Repayment Practices**: Encourage the applicant to maintain their excellent repayment practices to avoid any late payments in the future.\n\n### Conclusion\nThe applicant presents a moderate risk profile with a risk score of 60. While they have a good credit score and repayment history, the presence of some late payments and moderate credit utilization should be monitored closely. Overall, the applicant is likely to be a reliable borrower, but ongoing financial discipline is recommended.",
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time payments\n- **Credit Utilization**: 35.5% (acceptable range is typically below 30-40%)\n- **Credit History Length**: 5 years (provides a good track record)\n- **Recent Inquiries**: 2 (a moderate number of inquiries)\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0% (no defaults)\n- **30 Days Late**: 12.0% (indicates some late payments, but not severe)\n- **60 Days Late**: 2.5% (relatively low)\n- **90 Days Late**: 0.5% (very low)\n- **Never Missed Payments**: 85.0% (strong repayment behavior)\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2% (within acceptable limits but slightly higher than ideal)\n- **Overall Credit Mix**: Diverse (includes credit cards, personal loans, and auto loans)\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (acceptable; typically below 0.4 is considered manageable)\n- **Total Outstanding Loans**: 125,000 (manageable given the income)\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: Excellent repayment track record with no defaults and a high percentage of on-time payments.\n\n### Risk Score Calculation\nConsidering the above factors, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good score)\n- **Payment History**: 10 points (Excellent payment history)\n- **Credit Utilization**: 15 points (Moderate utilization)\n- **Existing Loan Burden**: 10 points (Acceptable loan burden)\n- **Repayment Patterns**: 5 points (Strong repayment behavior)\n\n### Total Risk Score\n- **Risk Score**: 20 + 10 + 15 + 10 + 5 = **60** (on a scale of 1-100, where 100 is highest risk)\n\n### Recommendations\n1. **Monitor Financial Behavior**: Continue to monitor the applicant\u0027s financial behavior, especially the percentage of late payments.\n2. **Consider Loan Purpose**: Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Lower Credit Utilization**: Aim to reduce credit utilization below 30% to improve the credit profile further.\n4. **Maintain Good Repayment Practices**: Encourage the applicant to maintain their excellent repayment practices to avoid any late payments in the future.\n\n### Conclusion\nThe applicant presents a moderate risk profile with a risk score of 60. While they have a good credit score and repayment history, the presence of some late payments and moderate credit utilization should be monitored closely. Overall, the applicant is likely to be a reliable borrower, but ongoing financial discipline is recommended.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time payments\\n- **Credit Utilization**: 35.5% (acceptable range is typically below 30-40%)\\n- **Credit History Length**: 5 years (provides a good track record)\\n- **Recent Inquiries**: 2 (a moderate number of inquiries)\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0% (no defaults)\\n- **30 Days Late**: 12.0% (indicates some late payments, but not severe)\\n- **60 Days Late**: 2.5% (relatively low)\\n- **90 Days Late**: 0.5% (very low)\\n- **Never Missed Payments**: 85.0% (strong repayment behavior)\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2% (within acceptable limits but slightly higher than ideal)\\n- **Overall Credit Mix**: Diverse (includes credit cards, personal loans, and auto loans)\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (acceptable; typically below 0.4 is considered manageable)\\n- **Total Outstanding Loans**: 125,000 (manageable given the income)\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio.\\n- **Financial Discipline**: Excellent repayment track record with no defaults and a high percentage of on-time payments.\\n\\n### Risk Score Calculation\\nConsidering the above factors, we can assign a risk score based on the following criteria:\\n- **Credit Score**: 20 points (Good score)\\n- **Payment History**: 10 points (Excellent payment history)\\n- **Credit Utilization**: 15 points (Moderate utilization)\\n- **Existing Loan Burden**: 10 points (Acceptable loan burden)\\n- **Repayment Patterns**: 5 points (Strong repayment behavior)\\n\\n### Total Risk Score\\n- **Risk Score**: 20 + 10 + 15 + 10 + 5 = **60** (on a scale of 1-100, where 100 is highest risk)\\n\\n### Recommendations\\n1. **Monitor Financial Behavior**: Continue to monitor the applicant\u0027s financial behavior, especially the percentage of late payments.\\n2. **Consider Loan Purpose**: Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\\n3. **Encourage Lower Credit Utilization**: Aim to reduce credit utilization below 30% to improve the credit profile further.\\n4. **Maintain Good Repayment Practices**: Encourage the applicant to maintain their excellent repayment practices to avoid any late payments in the future.\\n\\n### Conclusion\\nThe applicant presents a moderate risk profile with a risk score of 60. While they have a good credit score and repayment history, the presence of some late payments and moderate credit utilization should be monitored closely. Overall, the applicant is likely to be a reliable borrower, but ongoing financial discipline is recommended.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5217, \"completion_tokens\": 1348, \"total_tokens\": 6565, \"estimated_cost\": {\"amount\": 0.001591, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time payments\n- **Credit Utilization**: 35.5% (acceptable range is typically below 30-40%)\n- **Credit History Length**: 5 years (provides a good track record)\n- **Recent Inquiries**: 2 (a moderate number of inquiries)\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0% (no defaults)\n- **30 Days Late**: 12.0% (indicates some late payments, but not severe)\n- **60 Days Late**: 2.5% (relatively low)\n- **90 Days Late**: 0.5% (very low)\n- **Never Missed Payments**: 85.0% (strong repayment behavior)\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2% (within acceptable limits but slightly higher than ideal)\n- **Overall Credit Mix**: Diverse (includes credit cards, personal loans, and auto loans)\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (acceptable; typically below 0.4 is considered manageable)\n- **Total Outstanding Loans**: 125,000 (manageable given the income)\n\n### 5. Overall Risk Profile\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio.\n- **Financial Discipline**: Excellent repayment track record with no defaults and a high percentage of on-time payments.\n\n### Risk Score Calculation\nConsidering the above factors, we can assign a risk score based on the following criteria:\n- **Credit Score**: 20 points (Good score)\n- **Payment History**: 10 points (Excellent payment history)\n- **Credit Utilization**: 15 points (Moderate utilization)\n- **Existing Loan Burden**: 10 points (Acceptable loan burden)\n- **Repayment Patterns**: 5 points (Strong repayment behavior)\n\n### Total Risk Score\n- **Risk Score**: 20 + 10 + 15 + 10 + 5 = **60** (on a scale of 1-100, where 100 is highest risk)\n\n### Recommendations\n1. **Monitor Financial Behavior**: Continue to monitor the applicant\u0027s financial behavior, especially the percentage of late payments.\n2. **Consider Loan Purpose**: Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Lower Credit Utilization**: Aim to reduce credit utilization below 30% to improve the credit profile further.\n4. **Maintain Good Repayment Practices**: Encourage the applicant to maintain their excellent repayment practices to avoid any late payments in the future.\n\n### Conclusion\nThe applicant presents a moderate risk profile with a risk score of 60. While they have a good credit score and repayment history, the presence of some late payments and moderate credit utilization should be monitored closely. Overall, the applicant is likely to be a reliable borrower, but ongoing financial discipline is recommended.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time payments\\n- **Credit Utilization**: 35.5% (acceptable range is typically below 30-40%)\\n- **Credit History Length**: 5 years (provides a good track record)\\n- **Recent Inquiries**: 2 (a moderate number of inquiries)\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0% (no defaults)\\n- **30 Days Late**: 12.0% (indicates some late payments, but not severe)\\n- **60 Days Late**: 2.5% (relatively low)\\n- **90 Days Late**: 0.5% (very low)\\n- **Never Missed Payments**: 85.0% (strong repayment behavior)\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2% (within acceptable limits but slightly higher than ideal)\\n- **Overall Credit Mix**: Diverse (includes credit cards, personal loans, and auto loans)\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (acceptable; typically below 0.4 is considered manageable)\\n- **Total Outstanding Loans**: 125,000 (manageable given the income)\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio.\\n- **Financial Discipline**: Excellent repayment track record with no defaults and a high percentage of on-time payments.\\n\\n### Risk Score Calculation\\nConsidering the above factors, we can assign a risk score based on the following criteria:\\n- **Credit Score**: 20 points (Good score)\\n- **Payment History**: 10 points (Excellent payment history)\\n- **Credit Utilization**: 15 points (Moderate utilization)\\n- **Existing Loan Burden**: 10 points (Acceptable loan burden)\\n- **Repayment Patterns**: 5 points (Strong repayment behavior)\\n\\n### Total Risk Score\\n- **Risk Score**: 20 + 10 + 15 + 10 + 5 = **60** (on a scale of 1-100, where 100 is highest risk)\\n\\n### Recommendations\\n1. **Monitor Financial Behavior**: Continue to monitor the applicant\u0027s financial behavior, especially the percentage of late payments.\\n2. **Consider Loan Purpose**: Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\\n3. **Encourage Lower Credit Utilization**: Aim to reduce credit utilization below 30% to improve the credit profile further.\\n4. **Maintain Good Repayment Practices**: Encourage the applicant to maintain their excellent repayment practices to avoid any late payments in the future.\\n\\n### Conclusion\\nThe applicant presents a moderate risk profile with a risk score of 60. While they have a good credit score and repayment history, the presence of some late payments and moderate credit utilization should be monitored closely. Overall, the applicant is likely to be a reliable borrower, but ongoing financial discipline is recommended.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5217, \"completion_tokens\": 1348, \"total_tokens\": 6565, \"estimated_cost\": {\"amount\": 0.001591, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"extract_application_info": {
"customer_info": {
"address": "123 Main St, City, State 12345",
"annual_income": 75000,
"customer_id": "CUST_12345",
"email": "john.doe@email.com",
"employment_status": "employed",
"full_name": "John Doe",
"loan_purpose": "home_purchase",
"phone": "+1-555-0123",
"requested_amount": 10000
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"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 10000}, \"missing_fields\": []}\n",
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"ai_response": "### Final Recommendation: APPROVE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: 7.5% (subject to market conditions)\n- **Loan Tenure**: 5 years\n- **Monthly EMI**: Approximately $200\n- **Prepayment Penalty**: None\n- **Documentation Required**: Confirmation of loan purpose and ongoing monitoring of financial behavior.\n\n#### Risk Mitigation Measures:\n1. **Ongoing Monitoring**: Regularly review the applicant\u0027s financial behavior, especially focusing on their credit utilization and payment history.\n2. **Loan Purpose Verification**: Confirm the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Financial Discipline**: Advise the applicant to maintain their excellent repayment practices and aim to reduce credit utilization below 30%.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate with a high quality score of 95. There are no red flags or inconsistencies, indicating a reliable applicant.\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The applicant\u0027s identity and address are consistent across all documents.\n3. **Income Assessment**: The applicant has a stable income of $81,600 annually, with a debt-to-income ratio of 35.9%, which is well within the acceptable limit of 40%. This indicates that the applicant can comfortably manage the proposed EMI along with existing debt payments.\n4. **Credit Profile**: The applicant has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and no defaults. While there are some late payments, they are not severe, and the overall repayment behavior is strong.\n5. **Compliance Status**: The applicant is compliant with all necessary regulations, with a low risk assessment in terms of KYC and AML. The compliance confidence score is high at 98, indicating strong adherence to regulatory standards.\n\n#### Confidence Level: 85\nThe decision to approve the loan is made with a high level of confidence, considering the applicant\u0027s strong financial profile, stable income, and compliance with regulations. However, the presence of some late payments and moderate credit utilization suggests that ongoing monitoring is essential to ensure continued financial discipline.",
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"system_message": "You are a senior underwriting manager making final loan decisions.\n\nAnalyze all assessment results and provide:\n1. Final recommendation (APPROVE/CONDITIONAL/DECLINE)\n2. Loan terms and conditions\n3. Risk mitigation measures\n4. Reasoning for decision\n5. Confidence level (1-100)\n\nConsider all factors: income, credit, compliance, and overall risk profile.\n"
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"output": "### Final Recommendation: APPROVE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: 7.5% (subject to market conditions)\n- **Loan Tenure**: 5 years\n- **Monthly EMI**: Approximately $200\n- **Prepayment Penalty**: None\n- **Documentation Required**: Confirmation of loan purpose and ongoing monitoring of financial behavior.\n\n#### Risk Mitigation Measures:\n1. **Ongoing Monitoring**: Regularly review the applicant\u0027s financial behavior, especially focusing on their credit utilization and payment history.\n2. **Loan Purpose Verification**: Confirm the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Financial Discipline**: Advise the applicant to maintain their excellent repayment practices and aim to reduce credit utilization below 30%.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate with a high quality score of 95. There are no red flags or inconsistencies, indicating a reliable applicant.\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The applicant\u0027s identity and address are consistent across all documents.\n3. **Income Assessment**: The applicant has a stable income of $81,600 annually, with a debt-to-income ratio of 35.9%, which is well within the acceptable limit of 40%. This indicates that the applicant can comfortably manage the proposed EMI along with existing debt payments.\n4. **Credit Profile**: The applicant has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and no defaults. While there are some late payments, they are not severe, and the overall repayment behavior is strong.\n5. **Compliance Status**: The applicant is compliant with all necessary regulations, with a low risk assessment in terms of KYC and AML. The compliance confidence score is high at 98, indicating strong adherence to regulatory standards.\n\n#### Confidence Level: 85\nThe decision to approve the loan is made with a high level of confidence, considering the applicant\u0027s strong financial profile, stable income, and compliance with regulations. However, the presence of some late payments and moderate credit utilization suggests that ongoing monitoring is essential to ensure continued financial discipline.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: APPROVE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: 7.5% (subject to market conditions)\\n- **Loan Tenure**: 5 years\\n- **Monthly EMI**: Approximately $200\\n- **Prepayment Penalty**: None\\n- **Documentation Required**: Confirmation of loan purpose and ongoing monitoring of financial behavior.\\n\\n#### Risk Mitigation Measures:\\n1. **Ongoing Monitoring**: Regularly review the applicant\u0027s financial behavior, especially focusing on their credit utilization and payment history.\\n2. **Loan Purpose Verification**: Confirm the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\\n3. **Encourage Financial Discipline**: Advise the applicant to maintain their excellent repayment practices and aim to reduce credit utilization below 30%.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate with a high quality score of 95. There are no red flags or inconsistencies, indicating a reliable applicant.\\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The applicant\u0027s identity and address are consistent across all documents.\\n3. **Income Assessment**: The applicant has a stable income of $81,600 annually, with a debt-to-income ratio of 35.9%, which is well within the acceptable limit of 40%. This indicates that the applicant can comfortably manage the proposed EMI along with existing debt payments.\\n4. **Credit Profile**: The applicant has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and no defaults. While there are some late payments, they are not severe, and the overall repayment behavior is strong.\\n5. **Compliance Status**: The applicant is compliant with all necessary regulations, with a low risk assessment in terms of KYC and AML. The compliance confidence score is high at 98, indicating strong adherence to regulatory standards.\\n\\n#### Confidence Level: 85\\nThe decision to approve the loan is made with a high level of confidence, considering the applicant\u0027s strong financial profile, stable income, and compliance with regulations. However, the presence of some late payments and moderate credit utilization suggests that ongoing monitoring is essential to ensure continued financial discipline.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 12610, \"completion_tokens\": 979, \"total_tokens\": 13589, \"estimated_cost\": {\"amount\": 0.002479, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "### Final Recommendation: APPROVE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: 7.5% (subject to market conditions)\n- **Loan Tenure**: 5 years\n- **Monthly EMI**: Approximately $200\n- **Prepayment Penalty**: None\n- **Documentation Required**: Confirmation of loan purpose and ongoing monitoring of financial behavior.\n\n#### Risk Mitigation Measures:\n1. **Ongoing Monitoring**: Regularly review the applicant\u0027s financial behavior, especially focusing on their credit utilization and payment history.\n2. **Loan Purpose Verification**: Confirm the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\n3. **Encourage Financial Discipline**: Advise the applicant to maintain their excellent repayment practices and aim to reduce credit utilization below 30%.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate with a high quality score of 95. There are no red flags or inconsistencies, indicating a reliable applicant.\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The applicant\u0027s identity and address are consistent across all documents.\n3. **Income Assessment**: The applicant has a stable income of $81,600 annually, with a debt-to-income ratio of 35.9%, which is well within the acceptable limit of 40%. This indicates that the applicant can comfortably manage the proposed EMI along with existing debt payments.\n4. **Credit Profile**: The applicant has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and no defaults. While there are some late payments, they are not severe, and the overall repayment behavior is strong.\n5. **Compliance Status**: The applicant is compliant with all necessary regulations, with a low risk assessment in terms of KYC and AML. The compliance confidence score is high at 98, indicating strong adherence to regulatory standards.\n\n#### Confidence Level: 85\nThe decision to approve the loan is made with a high level of confidence, considering the applicant\u0027s strong financial profile, stable income, and compliance with regulations. However, the presence of some late payments and moderate credit utilization suggests that ongoing monitoring is essential to ensure continued financial discipline.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: APPROVE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: 7.5% (subject to market conditions)\\n- **Loan Tenure**: 5 years\\n- **Monthly EMI**: Approximately $200\\n- **Prepayment Penalty**: None\\n- **Documentation Required**: Confirmation of loan purpose and ongoing monitoring of financial behavior.\\n\\n#### Risk Mitigation Measures:\\n1. **Ongoing Monitoring**: Regularly review the applicant\u0027s financial behavior, especially focusing on their credit utilization and payment history.\\n2. **Loan Purpose Verification**: Confirm the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals and repayment capacity.\\n3. **Encourage Financial Discipline**: Advise the applicant to maintain their excellent repayment practices and aim to reduce credit utilization below 30%.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate with a high quality score of 95. There are no red flags or inconsistencies, indicating a reliable applicant.\\n2. **Document Verification**: All documents have been verified successfully with a 100% verification success rate. The applicant\u0027s identity and address are consistent across all documents.\\n3. **Income Assessment**: The applicant has a stable income of $81,600 annually, with a debt-to-income ratio of 35.9%, which is well within the acceptable limit of 40%. This indicates that the applicant can comfortably manage the proposed EMI along with existing debt payments.\\n4. **Credit Profile**: The applicant has a good CIBIL score of 720, with a strong payment history (99% on-time payments) and no defaults. While there are some late payments, they are not severe, and the overall repayment behavior is strong.\\n5. **Compliance Status**: The applicant is compliant with all necessary regulations, with a low risk assessment in terms of KYC and AML. The compliance confidence score is high at 98, indicating strong adherence to regulatory standards.\\n\\n#### Confidence Level: 85\\nThe decision to approve the loan is made with a high level of confidence, considering the applicant\u0027s strong financial profile, stable income, and compliance with regulations. However, the presence of some late payments and moderate credit utilization suggests that ongoing monitoring is essential to ensure continued financial discipline.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 12610, \"completion_tokens\": 979, \"total_tokens\": 13589, \"estimated_cost\": {\"amount\": 0.002479, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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"interest_rate": 9.0,
"loan_amount": 10000,
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"notes": "Auto-approved with enhanced monitoring due to complex risk factors",
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"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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"ai_response": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"stability_score\": 90,\n \"comments\": \"The applicant has a stable employment history with a recent salary increment, indicating a positive outlook on income stability.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"existing_debt_payments\": 2400,\n \"proposed_emi\": 41.67,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts and proposed loan payments.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true,\n \"financial_discipline_score\": 85.5\n },\n \"comments\": \"The applicant demonstrates strong financial discipline with consistent salary credits, no bounced transactions, and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [],\n \"recommendations\": [\n \"Continue monitoring the applicant\u0027s financial behavior for any changes in income or expenses.\",\n \"Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but ongoing monitoring is recommended.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the proposed loan amount, with a strong financial profile and low risk of default.\"\n}\n```",
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"system_message": "You are a senior financial analyst specializing in income assessment for loan underwriting.\n\nAnalyze the provided income data and provide:\n1. Income stability assessment\n2. Debt servicing capability\n3. Financial discipline evaluation\n4. Risk factors and recommendations\n5. Overall income adequacy score (1-100)\n\nReturn a detailed JSON assessment.\n"
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"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"stability_score\": 90,\n \"comments\": \"The applicant has a stable employment history with a recent salary increment, indicating a positive outlook on income stability.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"existing_debt_payments\": 2400,\n \"proposed_emi\": 41.67,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts and proposed loan payments.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true,\n \"financial_discipline_score\": 85.5\n },\n \"comments\": \"The applicant demonstrates strong financial discipline with consistent salary credits, no bounced transactions, and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [],\n \"recommendations\": [\n \"Continue monitoring the applicant\u0027s financial behavior for any changes in income or expenses.\",\n \"Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but ongoing monitoring is recommended.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the proposed loan amount, with a strong financial profile and low risk of default.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true,\\n \\\"stability_score\\\": 90,\\n \\\"comments\\\": \\\"The applicant has a stable employment history with a recent salary increment, indicating a positive outlook on income stability.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"existing_debt_payments\\\": 2400,\\n \\\"proposed_emi\\\": 41.67,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts and proposed loan payments.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"salary_credits_consistent\\\": true,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"comments\\\": \\\"The applicant demonstrates strong financial discipline with consistent salary credits, no bounced transactions, and a stable account balance trend.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring the applicant\u0027s financial behavior for any changes in income or expenses.\\\",\\n \\\"Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant\u0027s financial profile is strong, but ongoing monitoring is recommended.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the proposed loan amount, with a strong financial profile and low risk of default.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5306, \"completion_tokens\": 1136, \"total_tokens\": 6442, \"estimated_cost\": {\"amount\": 0.001477, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true,\n \"stability_score\": 90,\n \"comments\": \"The applicant has a stable employment history with a recent salary increment, indicating a positive outlook on income stability.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"existing_debt_payments\": 2400,\n \"proposed_emi\": 41.67,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts and proposed loan payments.\"\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"average_monthly_credits\": 7200,\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true,\n \"financial_discipline_score\": 85.5\n },\n \"comments\": \"The applicant demonstrates strong financial discipline with consistent salary credits, no bounced transactions, and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [],\n \"recommendations\": [\n \"Continue monitoring the applicant\u0027s financial behavior for any changes in income or expenses.\",\n \"Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant\u0027s financial profile is strong, but ongoing monitoring is recommended.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the proposed loan amount, with a strong financial profile and low risk of default.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true,\\n \\\"stability_score\\\": 90,\\n \\\"comments\\\": \\\"The applicant has a stable employment history with a recent salary increment, indicating a positive outlook on income stability.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"existing_debt_payments\\\": 2400,\\n \\\"proposed_emi\\\": 41.67,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts and proposed loan payments.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"salary_credits_consistent\\\": true,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"comments\\\": \\\"The applicant demonstrates strong financial discipline with consistent salary credits, no bounced transactions, and a stable account balance trend.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring the applicant\u0027s financial behavior for any changes in income or expenses.\\\",\\n \\\"Verify the purpose of the loan to ensure it aligns with the applicant\u0027s financial goals.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant\u0027s financial profile is strong, but ongoing monitoring is recommended.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the proposed loan amount, with a strong financial profile and low risk of default.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5306, \"completion_tokens\": 1136, \"total_tokens\": 6442, \"estimated_cost\": {\"amount\": 0.001477, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"age_criteria_met": true,
"credit_score_threshold_met": true,
"employment_criteria_met": true,
"exceptions_required": [],
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.227977,
"end_time": "2025-07-16T06:58:50.111375",
"message_sent": true,
"start_time": "2025-07-16T06:58:49.883398",
"timestamp": "2025-07-16T06:58:50.111375",
"worker_executed": true,
"workers_notified": true
},
"geographic_restrictions_met": true,
"income_criteria_met": true,
"loan_amount_within_limits": true,
"ltv_ratio_acceptable": true,
"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
"policy_compliance_score": 95.5,
"policy_version": "2024.1",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "internal_policy_check"
},
"kyc_compliance_check": {
"address_verified": true,
"compliance_score": 98.5,
"documents_complete": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"kyc_status\": \"compliant\", \"identity_verified\": true, \"address_verified\": true, \"income_verified\": true, \"documents_complete\": true, \"risk_category\": \"low\", \"compliance_score\": 98.5, \"last_updated\": \"2024-07-15\", \"regulatory_requirements_met\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.212018,
"end_time": "2025-07-16T06:58:49.286655",
"message_sent": true,
"start_time": "2025-07-16T06:58:49.074637",
"timestamp": "2025-07-16T06:58:49.286655",
"worker_executed": true,
"workers_notified": true
},
"identity_verified": true,
"income_verified": true,
"kyc_status": "compliant",
"last_updated": "2024-07-15",
"output": "__OUTPUTS__ {\"kyc_status\": \"compliant\", \"identity_verified\": true, \"address_verified\": true, \"income_verified\": true, \"documents_complete\": true, \"risk_category\": \"low\", \"compliance_score\": 98.5, \"last_updated\": \"2024-07-15\", \"regulatory_requirements_met\": true}\n",
"regulatory_requirements_met": true,
"return_code": 0,
"risk_category": "low",
"status": "completed",
"stderr": "",
"task_id": "kyc_compliance_check"
},
"regulatory_compliance": {
"audit_trail_complete": true,
"compliance_score": 97.2,
"consumer_protection_compliant": true,
"data_privacy_compliant": true,
"disclosure_requirements_met": true,
"documentation_complete": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"rbi_guidelines_met\": true, \"lending_norms_compliant\": true, \"documentation_complete\": true, \"disclosure_requirements_met\": true, \"consumer_protection_compliant\": true, \"data_privacy_compliant\": true, \"compliance_score\": 97.2, \"audit_trail_complete\": true, \"regulatory_risk\": \"minimal\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.235497,
"end_time": "2025-07-16T06:58:49.843660",
"message_sent": true,
"start_time": "2025-07-16T06:58:49.608163",
"timestamp": "2025-07-16T06:58:49.843660",
"worker_executed": true,
"workers_notified": true
},
"lending_norms_compliant": true,
"output": "__OUTPUTS__ {\"rbi_guidelines_met\": true, \"lending_norms_compliant\": true, \"documentation_complete\": true, \"disclosure_requirements_met\": true, \"consumer_protection_compliant\": true, \"data_privacy_compliant\": true, \"compliance_score\": 97.2, \"audit_trail_complete\": true, \"regulatory_risk\": \"minimal\"}\n",
"rbi_guidelines_met": true,
"regulatory_risk": "minimal",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "regulatory_compliance"
},
"underwriting_decision_router": {
"all_conditions_checked": [
{
"condition": "${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50",
"name": "high_risk_path",
"result": false,
"route": "decline_path"
},
{
"condition": "${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700",
"name": "conditional_approval_path",
"result": false,
"route": "conditional_path"
},
{
"condition": "${calculate_credit_score.internal_credit_score} \u003e= 700",
"name": "standard_approval_path",
"result": false,
"route": "approval_path"
}
],
"duration_seconds": 0.001117,
"ended_at": "2025-07-16T06:58:57.683389",
"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\": 0.001117, \"started_at\": \"2025-07-16T06:58:57.682272\", \"ended_at\": \"2025-07-16T06:58:57.683389\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.186476,
"end_time": "2025-07-16T06:58:57.754572",
"message_sent": true,
"start_time": "2025-07-16T06:58:57.568096",
"timestamp": "2025-07-16T06:58:57.754572",
"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\": 0.001117, \"started_at\": \"2025-07-16T06:58:57.682272\", \"ended_at\": \"2025-07-16T06:58:57.683389\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-16T06:58:57.682272",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"upload_to_supabase": {
"bucket_name": "loan-approval",
"columns_count": 94,
"csv_structure": {
"column_count": 94,
"columns": [
"processing_timestamp",
"workflow_id",
"workflow_version",
"application_id",
"requested_amount",
"processing_date",
"workflow_status",
"customer_id",
"applicant_name",
"email",
"phone",
"address",
"employment_status",
"annual_income",
"loan_purpose",
"pan_number",
"pan_verified",
"pan_verification_score",
"pan_name_match",
"aadhaar_masked",
"aadhaar_verified",
"aadhaar_verification_score",
"aadhaar_address_match",
"passport_number",
"passport_verified",
"passport_verification_score",
"address_proof_type",
"address_proof_verified",
"address_proof_verification_score",
"monthly_gross_salary",
"monthly_net_salary",
"annual_gross_income",
"annual_net_income",
"employer_name",
"employment_duration",
"salary_consistency",
"recent_increment",
"employment_confirmed",
"designation",
"employment_type",
"job_stability_score",
"average_monthly_credits",
"account_balance_trend",
"minimum_balance",
"maximum_balance",
"bounced_transactions",
"loan_emis_detected",
"financial_discipline_score",
"declared_tax_income",
"tax_paid",
"tax_compliance_score",
"debt_to_income_ratio",
"existing_debt_payments",
"proposed_emi",
"total_debt_payments",
"ratio_acceptable",
"cibil_score",
"credit_score_range",
"credit_history_length",
"total_accounts",
"active_accounts",
"credit_utilization",
"payment_history",
"recent_inquiries",
"internal_credit_score",
"score_acceptable",
"risk_category",
"total_outstanding_loans",
"number_of_existing_loans",
"total_monthly_emi",
"loan_burden_ratio",
"repayment_track_record",
"kyc_status",
"kyc_compliance_score",
"identity_verified",
"address_verified",
"income_verified",
"documents_complete",
"aml_status",
"aml_compliance_score",
"watchlist_check",
"pep_screening",
"sanctions_check",
"manual_review_required",
"rbi_guidelines_met",
"lending_norms_compliant",
"regulatory_compliance_score",
"internal_policy_compliance_score",
"final_decision",
"decision_confidence",
"overall_processing_status",
"processing_time_minutes",
"processed_by",
"processing_node"
],
"key_metrics": {
"aml_cleared": false,
"cibil_score": 0,
"credit_score": 0,
"kyc_compliant": false,
"ratio_acceptable": false,
"risk_category": "unknown"
},
"row_count": 1
},
"data_summary": {
"applicant_name": "Unknown Applicant",
"application_id": "123",
"cibil_score": 0,
"debt_to_income_ratio": 0,
"final_decision": "PENDING",
"internal_credit_score": 0,
"requested_amount": 10000.0,
"risk_category": "unknown"
},
"execution_details": {
"actual_result": {
"output": "Error parsing previous node data: name \u0027UNRESOLVED_extract_application_info\u0027 is not defined\nGenerated CSV file: loan_underwriting_123_20250716_065909.csv\nCSV content size: 2331 characters\nData rows: 1\nColumns: 94\nFile uploaded successfully to Supabase\nUpload completed successfully\nPublic URL: https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_123_20250716_065909.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_123_20250716_065909.csv\", \"file_size_bytes\": 2331, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_123_20250716_065909.csv?\", \"upload_timestamp\": \"2025-07-16T06:59:10.453993\", \"records_uploaded\": 1, \"columns_count\": 94, \"data_summary\": {\"application_id\": \"123\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 10000.0, \"internal_credit_score\": 0, \"debt_to_income_ratio\": 0, \"final_decision\": \"PENDING\", \"cibil_score\": 0, \"risk_category\": \"unknown\"}, \"csv_structure\": {\"columns\": [\"processing_timestamp\", \"workflow_id\", \"workflow_version\", \"application_id\", \"requested_amount\", \"processing_date\", \"workflow_status\", \"customer_id\", \"applicant_name\", \"email\", \"phone\", \"address\", \"employment_status\", \"annual_income\", \"loan_purpose\", \"pan_number\", \"pan_verified\", \"pan_verification_score\", \"pan_name_match\", \"aadhaar_masked\", \"aadhaar_verified\", \"aadhaar_verification_score\", \"aadhaar_address_match\", \"passport_number\", \"passport_verified\", \"passport_verification_score\", \"address_proof_type\", \"address_proof_verified\", \"address_proof_verification_score\", \"monthly_gross_salary\", \"monthly_net_salary\", \"annual_gross_income\", \"annual_net_income\", \"employer_name\", \"employment_duration\", \"salary_consistency\", \"recent_increment\", \"employment_confirmed\", \"designation\", \"employment_type\", \"job_stability_score\", \"average_monthly_credits\", \"account_balance_trend\", \"minimum_balance\", \"maximum_balance\", \"bounced_transactions\", \"loan_emis_detected\", \"financial_discipline_score\", \"declared_tax_income\", \"tax_paid\", \"tax_compliance_score\", \"debt_to_income_ratio\", \"existing_debt_payments\", \"proposed_emi\", \"total_debt_payments\", \"ratio_acceptable\", \"cibil_score\", \"credit_score_range\", \"credit_history_length\", \"total_accounts\", \"active_accounts\", \"credit_utilization\", \"payment_history\", \"recent_inquiries\", \"internal_credit_score\", \"score_acceptable\", \"risk_category\", \"total_outstanding_loans\", \"number_of_existing_loans\", \"total_monthly_emi\", \"loan_burden_ratio\", \"repayment_track_record\", \"kyc_status\", \"kyc_compliance_score\", \"identity_verified\", \"address_verified\", \"income_verified\", \"documents_complete\", \"aml_status\", \"aml_compliance_score\", \"watchlist_check\", \"pep_screening\", \"sanctions_check\", \"manual_review_required\", \"rbi_guidelines_met\", \"lending_norms_compliant\", \"regulatory_compliance_score\", \"internal_policy_compliance_score\", \"final_decision\", \"decision_confidence\", \"overall_processing_status\", \"processing_time_minutes\", \"processed_by\", \"processing_node\"], \"column_count\": 94, \"row_count\": 1, \"key_metrics\": {\"credit_score\": 0, \"cibil_score\": 0, \"risk_category\": \"unknown\", \"kyc_compliant\": false, \"aml_cleared\": false, \"ratio_acceptable\": false}}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 2.749101,
"end_time": "2025-07-16T06:59:10.742085",
"message_sent": true,
"start_time": "2025-07-16T06:59:07.992984",
"timestamp": "2025-07-16T06:59:10.742085",
"worker_executed": true,
"workers_notified": true
},
"file_size_bytes": 2331,
"filename": "loan_underwriting_123_20250716_065909.csv",
"output": "Error parsing previous node data: name \u0027UNRESOLVED_extract_application_info\u0027 is not defined\nGenerated CSV file: loan_underwriting_123_20250716_065909.csv\nCSV content size: 2331 characters\nData rows: 1\nColumns: 94\nFile uploaded successfully to Supabase\nUpload completed successfully\nPublic URL: https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_123_20250716_065909.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_123_20250716_065909.csv\", \"file_size_bytes\": 2331, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_123_20250716_065909.csv?\", \"upload_timestamp\": \"2025-07-16T06:59:10.453993\", \"records_uploaded\": 1, \"columns_count\": 94, \"data_summary\": {\"application_id\": \"123\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 10000.0, \"internal_credit_score\": 0, \"debt_to_income_ratio\": 0, \"final_decision\": \"PENDING\", \"cibil_score\": 0, \"risk_category\": \"unknown\"}, \"csv_structure\": {\"columns\": [\"processing_timestamp\", \"workflow_id\", \"workflow_version\", \"application_id\", \"requested_amount\", \"processing_date\", \"workflow_status\", \"customer_id\", \"applicant_name\", \"email\", \"phone\", \"address\", \"employment_status\", \"annual_income\", \"loan_purpose\", \"pan_number\", \"pan_verified\", \"pan_verification_score\", \"pan_name_match\", \"aadhaar_masked\", \"aadhaar_verified\", \"aadhaar_verification_score\", \"aadhaar_address_match\", \"passport_number\", \"passport_verified\", \"passport_verification_score\", \"address_proof_type\", \"address_proof_verified\", \"address_proof_verification_score\", \"monthly_gross_salary\", \"monthly_net_salary\", \"annual_gross_income\", \"annual_net_income\", \"employer_name\", \"employment_duration\", \"salary_consistency\", \"recent_increment\", \"employment_confirmed\", \"designation\", \"employment_type\", \"job_stability_score\", \"average_monthly_credits\", \"account_balance_trend\", \"minimum_balance\", \"maximum_balance\", \"bounced_transactions\", \"loan_emis_detected\", \"financial_discipline_score\", \"declared_tax_income\", \"tax_paid\", \"tax_compliance_score\", \"debt_to_income_ratio\", \"existing_debt_payments\", \"proposed_emi\", \"total_debt_payments\", \"ratio_acceptable\", \"cibil_score\", \"credit_score_range\", \"credit_history_length\", \"total_accounts\", \"active_accounts\", \"credit_utilization\", \"payment_history\", \"recent_inquiries\", \"internal_credit_score\", \"score_acceptable\", \"risk_category\", \"total_outstanding_loans\", \"number_of_existing_loans\", \"total_monthly_emi\", \"loan_burden_ratio\", \"repayment_track_record\", \"kyc_status\", \"kyc_compliance_score\", \"identity_verified\", \"address_verified\", \"income_verified\", \"documents_complete\", \"aml_status\", \"aml_compliance_score\", \"watchlist_check\", \"pep_screening\", \"sanctions_check\", \"manual_review_required\", \"rbi_guidelines_met\", \"lending_norms_compliant\", \"regulatory_compliance_score\", \"internal_policy_compliance_score\", \"final_decision\", \"decision_confidence\", \"overall_processing_status\", \"processing_time_minutes\", \"processed_by\", \"processing_node\"], \"column_count\": 94, \"row_count\": 1, \"key_metrics\": {\"credit_score\": 0, \"cibil_score\": 0, \"risk_category\": \"unknown\", \"kyc_compliant\": false, \"aml_cleared\": false, \"ratio_acceptable\": false}}}\n",
"public_url": "https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_123_20250716_065909.csv?",
"records_uploaded": 1,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "upload_to_supabase",
"upload_status": "success",
"upload_timestamp": "2025-07-16T06:59:10.453993"
},
"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": 0.168399,
"end_time": "2025-07-16T06:58:14.238893",
"message_sent": true,
"start_time": "2025-07-16T06:58:14.070494",
"timestamp": "2025-07-16T06:58:14.238893",
"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": 0.47188,
"end_time": "2025-07-16T06:58:18.734478",
"message_sent": true,
"start_time": "2025-07-16T06:58:18.262598",
"timestamp": "2025-07-16T06:58:18.734478",
"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": 0.471252,
"end_time": "2025-07-16T06:58:18.862569",
"message_sent": true,
"start_time": "2025-07-16T06:58:18.391317",
"timestamp": "2025-07-16T06:58:18.862569",
"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": 0.24359,
"end_time": "2025-07-16T06:58:25.801251",
"message_sent": true,
"start_time": "2025-07-16T06:58:25.557661",
"timestamp": "2025-07-16T06:58:25.801251",
"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": 0.387746,
"end_time": "2025-07-16T06:58:18.592317",
"message_sent": true,
"start_time": "2025-07-16T06:58:18.204571",
"timestamp": "2025-07-16T06:58:18.592317",
"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": 0.290247,
"end_time": "2025-07-16T06:58:18.624276",
"message_sent": true,
"start_time": "2025-07-16T06:58:18.334029",
"timestamp": "2025-07-16T06:58:18.624276",
"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": 0.213164,
"end_time": "2025-07-16T06:58:25.532193",
"message_sent": true,
"start_time": "2025-07-16T06:58:25.319029",
"timestamp": "2025-07-16T06:58:25.532193",
"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": 0.001117,
"ended_at": "2025-07-16T06:58:57.683389",
"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\": 0.001117, \"started_at\": \"2025-07-16T06:58:57.682272\", \"ended_at\": \"2025-07-16T06:58:57.683389\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.186476,
"end_time": "2025-07-16T06:58:57.754572",
"message_sent": true,
"start_time": "2025-07-16T06:58:57.568096",
"timestamp": "2025-07-16T06:58:57.754572",
"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\": 0.001117, \"started_at\": \"2025-07-16T06:58:57.682272\", \"ended_at\": \"2025-07-16T06:58:57.683389\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-16T06:58:57.682272",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"upload_to_supabase": {
"bucket_name": "loan-approval",
"columns_count": 94,
"csv_structure": {
"column_count": 94,
"columns": [
"processing_timestamp",
"workflow_id",
"workflow_version",
"application_id",
"requested_amount",
"processing_date",
"workflow_status",
"customer_id",
"applicant_name",
"email",
"phone",
"address",
"employment_status",
"annual_income",
"loan_purpose",
"pan_number",
"pan_verified",
"pan_verification_score",
"pan_name_match",
"aadhaar_masked",
"aadhaar_verified",
"aadhaar_verification_score",
"aadhaar_address_match",
"passport_number",
"passport_verified",
"passport_verification_score",
"address_proof_type",
"address_proof_verified",
"address_proof_verification_score",
"monthly_gross_salary",
"monthly_net_salary",
"annual_gross_income",
"annual_net_income",
"employer_name",
"employment_duration",
"salary_consistency",
"recent_increment",
"employment_confirmed",
"designation",
"employment_type",
"job_stability_score",
"average_monthly_credits",
"account_balance_trend",
"minimum_balance",
"maximum_balance",
"bounced_transactions",
"loan_emis_detected",
"financial_discipline_score",
"declared_tax_income",
"tax_paid",
"tax_compliance_score",
"debt_to_income_ratio",
"existing_debt_payments",
"proposed_emi",
"total_debt_payments",
"ratio_acceptable",
"cibil_score",
"credit_score_range",
"credit_history_length",
"total_accounts",
"active_accounts",
"credit_utilization",
"payment_history",
"recent_inquiries",
"internal_credit_score",
"score_acceptable",
"risk_category",
"total_outstanding_loans",
"number_of_existing_loans",
"total_monthly_emi",
"loan_burden_ratio",
"repayment_track_record",
"kyc_status",
"kyc_compliance_score",
"identity_verified",
"address_verified",
"income_verified",
"documents_complete",
"aml_status",
"aml_compliance_score",
"watchlist_check",
"pep_screening",
"sanctions_check",
"manual_review_required",
"rbi_guidelines_met",
"lending_norms_compliant",
"regulatory_compliance_score",
"internal_policy_compliance_score",
"final_decision",
"decision_confidence",
"overall_processing_status",
"processing_time_minutes",
"processed_by",
"processing_node"
],
"key_metrics": {
"aml_cleared": false,
"cibil_score": 0,
"credit_score": 0,
"kyc_compliant": false,
"ratio_acceptable": false,
"risk_category": "unknown"
},
"row_count": 1
},
"data_summary": {
"applicant_name": "Unknown Applicant",
"application_id": "123",
"cibil_score": 0,
"debt_to_income_ratio": 0,
"final_decision": "PENDING",
"internal_credit_score": 0,
"requested_amount": 10000.0,
"risk_category": "unknown"
},
"execution_details": {
"actual_result": {
"output": "Error parsing previous node data: name \u0027UNRESOLVED_extract_application_info\u0027 is not defined\nGenerated CSV file: loan_underwriting_123_20250716_065909.csv\nCSV content size: 2331 characters\nData rows: 1\nColumns: 94\nFile uploaded successfully to Supabase\nUpload completed successfully\nPublic URL: https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_123_20250716_065909.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_123_20250716_065909.csv\", \"file_size_bytes\": 2331, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_123_20250716_065909.csv?\", \"upload_timestamp\": \"2025-07-16T06:59:10.453993\", \"records_uploaded\": 1, \"columns_count\": 94, \"data_summary\": {\"application_id\": \"123\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 10000.0, \"internal_credit_score\": 0, \"debt_to_income_ratio\": 0, \"final_decision\": \"PENDING\", \"cibil_score\": 0, \"risk_category\": \"unknown\"}, \"csv_structure\": {\"columns\": [\"processing_timestamp\", \"workflow_id\", \"workflow_version\", \"application_id\", \"requested_amount\", \"processing_date\", \"workflow_status\", \"customer_id\", \"applicant_name\", \"email\", \"phone\", \"address\", \"employment_status\", \"annual_income\", \"loan_purpose\", \"pan_number\", \"pan_verified\", \"pan_verification_score\", \"pan_name_match\", \"aadhaar_masked\", \"aadhaar_verified\", \"aadhaar_verification_score\", \"aadhaar_address_match\", \"passport_number\", \"passport_verified\", \"passport_verification_score\", \"address_proof_type\", \"address_proof_verified\", \"address_proof_verification_score\", \"monthly_gross_salary\", \"monthly_net_salary\", \"annual_gross_income\", \"annual_net_income\", \"employer_name\", \"employment_duration\", \"salary_consistency\", \"recent_increment\", \"employment_confirmed\", \"designation\", \"employment_type\", \"job_stability_score\", \"average_monthly_credits\", \"account_balance_trend\", \"minimum_balance\", \"maximum_balance\", \"bounced_transactions\", \"loan_emis_detected\", \"financial_discipline_score\", \"declared_tax_income\", \"tax_paid\", \"tax_compliance_score\", \"debt_to_income_ratio\", \"existing_debt_payments\", \"proposed_emi\", \"total_debt_payments\", \"ratio_acceptable\", \"cibil_score\", \"credit_score_range\", \"credit_history_length\", \"total_accounts\", \"active_accounts\", \"credit_utilization\", \"payment_history\", \"recent_inquiries\", \"internal_credit_score\", \"score_acceptable\", \"risk_category\", \"total_outstanding_loans\", \"number_of_existing_loans\", \"total_monthly_emi\", \"loan_burden_ratio\", \"repayment_track_record\", \"kyc_status\", \"kyc_compliance_score\", \"identity_verified\", \"address_verified\", \"income_verified\", \"documents_complete\", \"aml_status\", \"aml_compliance_score\", \"watchlist_check\", \"pep_screening\", \"sanctions_check\", \"manual_review_required\", \"rbi_guidelines_met\", \"lending_norms_compliant\", \"regulatory_compliance_score\", \"internal_policy_compliance_score\", \"final_decision\", \"decision_confidence\", \"overall_processing_status\", \"processing_time_minutes\", \"processed_by\", \"processing_node\"], \"column_count\": 94, \"row_count\": 1, \"key_metrics\": {\"credit_score\": 0, \"cibil_score\": 0, \"risk_category\": \"unknown\", \"kyc_compliant\": false, \"aml_cleared\": false, \"ratio_acceptable\": false}}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 2.749101,
"end_time": "2025-07-16T06:59:10.742085",
"message_sent": true,
"start_time": "2025-07-16T06:59:07.992984",
"timestamp": "2025-07-16T06:59:10.742085",
"worker_executed": true,
"workers_notified": true
},
"file_size_bytes": 2331,
"filename": "loan_underwriting_123_20250716_065909.csv",
"output": "Error parsing previous node data: name \u0027UNRESOLVED_extract_application_info\u0027 is not defined\nGenerated CSV file: loan_underwriting_123_20250716_065909.csv\nCSV content size: 2331 characters\nData rows: 1\nColumns: 94\nFile uploaded successfully to Supabase\nUpload completed successfully\nPublic URL: https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_123_20250716_065909.csv?\nRecords uploaded: 1\n__OUTPUTS__ {\"upload_status\": \"success\", \"bucket_name\": \"loan-approval\", \"filename\": \"loan_underwriting_123_20250716_065909.csv\", \"file_size_bytes\": 2331, \"public_url\": \"https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_123_20250716_065909.csv?\", \"upload_timestamp\": \"2025-07-16T06:59:10.453993\", \"records_uploaded\": 1, \"columns_count\": 94, \"data_summary\": {\"application_id\": \"123\", \"applicant_name\": \"Unknown Applicant\", \"requested_amount\": 10000.0, \"internal_credit_score\": 0, \"debt_to_income_ratio\": 0, \"final_decision\": \"PENDING\", \"cibil_score\": 0, \"risk_category\": \"unknown\"}, \"csv_structure\": {\"columns\": [\"processing_timestamp\", \"workflow_id\", \"workflow_version\", \"application_id\", \"requested_amount\", \"processing_date\", \"workflow_status\", \"customer_id\", \"applicant_name\", \"email\", \"phone\", \"address\", \"employment_status\", \"annual_income\", \"loan_purpose\", \"pan_number\", \"pan_verified\", \"pan_verification_score\", \"pan_name_match\", \"aadhaar_masked\", \"aadhaar_verified\", \"aadhaar_verification_score\", \"aadhaar_address_match\", \"passport_number\", \"passport_verified\", \"passport_verification_score\", \"address_proof_type\", \"address_proof_verified\", \"address_proof_verification_score\", \"monthly_gross_salary\", \"monthly_net_salary\", \"annual_gross_income\", \"annual_net_income\", \"employer_name\", \"employment_duration\", \"salary_consistency\", \"recent_increment\", \"employment_confirmed\", \"designation\", \"employment_type\", \"job_stability_score\", \"average_monthly_credits\", \"account_balance_trend\", \"minimum_balance\", \"maximum_balance\", \"bounced_transactions\", \"loan_emis_detected\", \"financial_discipline_score\", \"declared_tax_income\", \"tax_paid\", \"tax_compliance_score\", \"debt_to_income_ratio\", \"existing_debt_payments\", \"proposed_emi\", \"total_debt_payments\", \"ratio_acceptable\", \"cibil_score\", \"credit_score_range\", \"credit_history_length\", \"total_accounts\", \"active_accounts\", \"credit_utilization\", \"payment_history\", \"recent_inquiries\", \"internal_credit_score\", \"score_acceptable\", \"risk_category\", \"total_outstanding_loans\", \"number_of_existing_loans\", \"total_monthly_emi\", \"loan_burden_ratio\", \"repayment_track_record\", \"kyc_status\", \"kyc_compliance_score\", \"identity_verified\", \"address_verified\", \"income_verified\", \"documents_complete\", \"aml_status\", \"aml_compliance_score\", \"watchlist_check\", \"pep_screening\", \"sanctions_check\", \"manual_review_required\", \"rbi_guidelines_met\", \"lending_norms_compliant\", \"regulatory_compliance_score\", \"internal_policy_compliance_score\", \"final_decision\", \"decision_confidence\", \"overall_processing_status\", \"processing_time_minutes\", \"processed_by\", \"processing_node\"], \"column_count\": 94, \"row_count\": 1, \"key_metrics\": {\"credit_score\": 0, \"cibil_score\": 0, \"risk_category\": \"unknown\", \"kyc_compliant\": false, \"aml_cleared\": false, \"ratio_acceptable\": false}}}\n",
"public_url": "https://mbauzgvitqvxceqanzjw.supabase.co/storage/v1/object/public/loan-approval/loan_underwriting_123_20250716_065909.csv?",
"records_uploaded": 1,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "upload_to_supabase",
"upload_status": "success",
"upload_timestamp": "2025-07-16T06:59:10.453993"
},
"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": 0.168399,
"end_time": "2025-07-16T06:58:14.238893",
"message_sent": true,
"start_time": "2025-07-16T06:58:14.070494",
"timestamp": "2025-07-16T06:58:14.238893",
"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": 0.47188,
"end_time": "2025-07-16T06:58:18.734478",
"message_sent": true,
"start_time": "2025-07-16T06:58:18.262598",
"timestamp": "2025-07-16T06:58:18.734478",
"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": 0.471252,
"end_time": "2025-07-16T06:58:18.862569",
"message_sent": true,
"start_time": "2025-07-16T06:58:18.391317",
"timestamp": "2025-07-16T06:58:18.862569",
"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": 0.24359,
"end_time": "2025-07-16T06:58:25.801251",
"message_sent": true,
"start_time": "2025-07-16T06:58:25.557661",
"timestamp": "2025-07-16T06:58:25.801251",
"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": 0.387746,
"end_time": "2025-07-16T06:58:18.592317",
"message_sent": true,
"start_time": "2025-07-16T06:58:18.204571",
"timestamp": "2025-07-16T06:58:18.592317",
"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": 0.290247,
"end_time": "2025-07-16T06:58:18.624276",
"message_sent": true,
"start_time": "2025-07-16T06:58:18.334029",
"timestamp": "2025-07-16T06:58:18.624276",
"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": 0.213164,
"end_time": "2025-07-16T06:58:25.532193",
"message_sent": true,
"start_time": "2025-07-16T06:58:25.319029",
"timestamp": "2025-07-16T06:58:25.532193",
"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
}
}