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": 0.371765,
"end_time": "2025-07-15T12:56:04.194641",
"message_sent": true,
"start_time": "2025-07-15T12:56:03.822876",
"timestamp": "2025-07-15T12:56:04.194641",
"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": 0.421617,
"end_time": "2025-07-15T12:55:35.350774",
"message_sent": true,
"start_time": "2025-07-15T12:55:34.929157",
"timestamp": "2025-07-15T12:55:35.350774",
"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": 0.258447,
"end_time": "2025-07-15T12:55:44.371538",
"message_sent": true,
"start_time": "2025-07-15T12:55:44.113091",
"timestamp": "2025-07-15T12:55:44.371538",
"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": 0.371404,
"end_time": "2025-07-15T12:55:35.264240",
"message_sent": true,
"start_time": "2025-07-15T12:55:34.892836",
"timestamp": "2025-07-15T12:55:35.264240",
"worker_executed": true,
"workers_notified": true
},
"monthly_gross": 8500,
"monthly_net": 6800,
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"recent_increment": true,
"return_code": 0,
"salary_consistency": true,
"status": "completed",
"stderr": "",
"task_id": "analyze_salary_slips"
},
"application_quality_check": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"loan_purpose_vs_requested_amount\": {\n \"issue\": \"The requested amount of $10,000 is unusually low for a home purchase.\",\n \"suggestion\": \"Verify if the applicant is aware of the typical costs associated with home purchases.\"\n }\n },\n \"overall_application_quality_score\": 85\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 468,
"model": "gpt-4o-mini",
"output_length": 822,
"provider": "openai",
"system_message": "You are an expert loan underwriting analyst. Review the application data and assess its quality.\n\nEvaluate:\n1. Data completeness and accuracy\n2. Consistency of information\n3. Red flags or inconsistencies\n4. Overall application quality score (1-100)\n\nReturn a JSON response with your assessment.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"loan_purpose_vs_requested_amount\": {\n \"issue\": \"The requested amount of $10,000 is unusually low for a home purchase.\",\n \"suggestion\": \"Verify if the applicant is aware of the typical costs associated with home purchases.\"\n }\n },\n \"overall_application_quality_score\": 85\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 10000,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"loan_purpose_vs_requested_amount\\\": {\\n \\\"issue\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase.\\\",\\n \\\"suggestion\\\": \\\"Verify if the applicant is aware of the typical costs associated with home purchases.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 85\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 6.14182,
"end_time": "2025-07-15T12:55:31.612481",
"message_sent": true,
"start_time": "2025-07-15T12:55:25.470661",
"timestamp": "2025-07-15T12:55:31.612481",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"loan_purpose_vs_requested_amount\": {\n \"issue\": \"The requested amount of $10,000 is unusually low for a home purchase.\",\n \"suggestion\": \"Verify if the applicant is aware of the typical costs associated with home purchases.\"\n }\n },\n \"overall_application_quality_score\": 85\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 10000,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"loan_purpose_vs_requested_amount\\\": {\\n \\\"issue\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase.\\\",\\n \\\"suggestion\\\": \\\"Verify if the applicant is aware of the typical costs associated with home purchases.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 85\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "application_quality_check"
},
"assess_existing_loans": {
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.367325,
"end_time": "2025-07-15T12:55:44.770231",
"message_sent": true,
"start_time": "2025-07-15T12:55:44.402906",
"timestamp": "2025-07-15T12:55:44.770231",
"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": 0.342094,
"end_time": "2025-07-15T12:56:03.508937",
"message_sent": true,
"start_time": "2025-07-15T12:56:03.166843",
"timestamp": "2025-07-15T12:56:03.508937",
"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": 0.44492,
"end_time": "2025-07-15T12:55:35.986902",
"message_sent": true,
"start_time": "2025-07-15T12:55:35.541982",
"timestamp": "2025-07-15T12:55:35.986902",
"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": 0.281734,
"end_time": "2025-07-15T12:55:44.161535",
"message_sent": true,
"start_time": "2025-07-15T12:55:43.879801",
"timestamp": "2025-07-15T12:55:44.161535",
"worker_executed": true,
"workers_notified": true
},
"last_updated": "2024-06-01",
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"payment_history": "99% on-time",
"recent_inquiries": 2,
"return_code": 0,
"score_range": "Good",
"status": "completed",
"stderr": "",
"task_id": "check_cibil_score",
"total_accounts": 8
},
"compliance_consolidation": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk\": \"low\",\n \"kyc_risk\": \"low\",\n \"aml_risk\": \"low\",\n \"regulatory_risk\": \"minimal\",\n \"internal_policy_risk\": \"low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations\": [\n \"Continue to monitor compliance checks regularly to maintain low risk status.\",\n \"Ensure all documentation is kept up to date, especially KYC and AML records.\",\n \"Conduct periodic training for staff on compliance updates and regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 1285,
"model": "gpt-4o-mini",
"output_length": 587,
"provider": "openai",
"system_message": "You are a compliance officer specializing in loan underwriting compliance.\n\nReview all compliance check results and provide:\n1. Overall compliance status\n2. Risk assessment\n3. Any compliance gaps or concerns\n4. Recommendations for proceeding\n5. Compliance confidence score (1-100)\n\nReturn a comprehensive compliance assessment in JSON format.\n"
},
"input_format": "json",
"model_client_id": "compliance_reviewer",
"output": "```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk\": \"low\",\n \"kyc_risk\": \"low\",\n \"aml_risk\": \"low\",\n \"regulatory_risk\": \"minimal\",\n \"internal_policy_risk\": \"low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations\": [\n \"Continue to monitor compliance checks regularly to maintain low risk status.\",\n \"Ensure all documentation is kept up to date, especially KYC and AML records.\",\n \"Conduct periodic training for staff on compliance updates and regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_compliance_status\\\": \\\"compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk\\\": \\\"low\\\",\\n \\\"kyc_risk\\\": \\\"low\\\",\\n \\\"aml_risk\\\": \\\"low\\\",\\n \\\"regulatory_risk\\\": \\\"minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue to monitor compliance checks regularly to maintain low risk status.\\\",\\n \\\"Ensure all documentation is kept up to date, especially KYC and AML records.\\\",\\n \\\"Conduct periodic training for staff on compliance updates and regulatory changes.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 4.737714,
"end_time": "2025-07-15T12:56:09.614538",
"message_sent": true,
"start_time": "2025-07-15T12:56:04.876824",
"timestamp": "2025-07-15T12:56:09.614538",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "compliance_reviewer",
"output": "```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk\": \"low\",\n \"kyc_risk\": \"low\",\n \"aml_risk\": \"low\",\n \"regulatory_risk\": \"minimal\",\n \"internal_policy_risk\": \"low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations\": [\n \"Continue to monitor compliance checks regularly to maintain low risk status.\",\n \"Ensure all documentation is kept up to date, especially KYC and AML records.\",\n \"Conduct periodic training for staff on compliance updates and regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_compliance_status\\\": \\\"compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk\\\": \\\"low\\\",\\n \\\"kyc_risk\\\": \\\"low\\\",\\n \\\"aml_risk\\\": \\\"low\\\",\\n \\\"regulatory_risk\\\": \\\"minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue to monitor compliance checks regularly to maintain low risk status.\\\",\\n \\\"Ensure all documentation is kept up to date, especially KYC and AML records.\\\",\\n \\\"Conduct periodic training for staff on compliance updates and regulatory changes.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "compliance_consolidation"
},
"consolidate_document_verification": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores. Proceed with the next steps in the process.\"\n}\n```",
"execution_details": {
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"provider": "openai",
"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores. Proceed with the next steps in the process.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100,\\n \\\"consistency_across_documents\\\": {\\n \\\"name_match\\\": true,\\n \\\"address_match\\\": true\\n },\\n \\\"risk_factors_identified\\\": [],\\n \\\"recommendation_for_proceeding\\\": \\\"All documents have been successfully verified with high scores. Proceed with the next steps in the process.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 2.684524,
"end_time": "2025-07-15T12:55:35.015716",
"message_sent": true,
"start_time": "2025-07-15T12:55:32.331192",
"timestamp": "2025-07-15T12:55:35.015716",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores. Proceed with the next steps in the process.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100,\\n \\\"consistency_across_documents\\\": {\\n \\\"name_match\\\": true,\\n \\\"address_match\\\": true\\n },\\n \\\"risk_factors_identified\\\": [],\\n \\\"recommendation_for_proceeding\\\": \\\"All documents have been successfully verified with high scores. Proceed with the next steps in the process.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "consolidate_document_verification"
},
"evaluate_default_risk": {
"agent_type": "assistant",
"ai_response": "### Credit Risk Assessment\n\n#### Overview of Provided Data\n\n1. **CIBIL Score**: 720 (Good)\n - Score Range: Good\n - Total Accounts: 8 (Active: 6, Closed: 2)\n - Payment History: 99% on-time\n - Recent Inquiries: 2\n - Credit Utilization: 35.5%\n - Credit History Length: 5 years\n\n2. **Credit History**:\n - Credit Mix: \n - Other: 1\n - Auto Loans: 1\n - Home Loans: 0\n - Credit Cards: 3\n - Personal Loans: 1\n - Oldest Account Age: 60 months\n - Repayment Behavior:\n - Defaults: 0.0%\n - 30 Days Late: 12.0%\n - 60 Days Late: 2.5%\n - 90 Days Late: 0.5%\n - Never Missed: 85.0%\n - Average Account Age: 32 months\n - Recent Credit Behavior: Stable\n - Credit Limit Utilization: 35.2%\n\n3. **Existing Loans**:\n - Loan Details:\n - Personal Loan: EMI 3500, Outstanding 45000, Remaining Tenure 18 months\n - Auto Loan: EMI 4200, Outstanding 80000, Remaining Tenure 24 months\n - Number of Loans: 2\n - Loan Burden Ratio: 0.28\n - Total Monthly EMI: 7700\n - Total Outstanding: 125000\n - Repayment Track Record: Excellent\n\n### Risk Analysis\n\n1. **Credit Score and History**:\n - A score of 720 is considered good, indicating a lower likelihood of default. The individual has a strong payment history with 99% on-time payments, which is a positive indicator.\n\n2. **Repayment Patterns**:\n - The repayment behavior shows no defaults and a high percentage of on-time payments (99%). However, the individual has had some late payments (12% 30 days late, 2.5% 60 days late, and 0.5% 90 days late). While these figures are relatively low, they indicate some risk in repayment consistency.\n\n3. **Credit Utilization**:\n - The credit utilization rate of 35.5% is within the acceptable range (generally below 30% is ideal). This suggests that the individual is managing their credit responsibly without overextending themselves.\n\n4. **Existing Loan Burden**:\n - The loan burden ratio of 0.28 indicates that 28% of the individual\u0027s income is going towards debt repayment, which is manageable. The total outstanding loans of 125,000 with a total monthly EMI of 7700 suggests that the individual is capable of handling their current debt load.\n\n5. **Overall Risk Profile**:\n - The individual has a good mix of credit types (credit cards, personal loans, auto loans) and a stable repayment track record. The absence of defaults and a good credit score contribute positively to the risk profile.\n\n### Default Risk Score Calculation\n\nBased on the analysis, we can assign a risk score as follows:\n\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 15 points (Excellent)\n- **Repayment Patterns**: 10 points (Minor late payments)\n- **Credit Utilization**: 10 points (Acceptable range)\n- **Loan Burden Ratio**: 10 points (Manageable)\n- **Credit Mix**: 10 points (Diverse)\n- **Recent Inquiries**: 5 points (Low inquiries)\n- **Overall Stability**: 10 points (Stable behavior)\n\n**Total Risk Score**: 20 + 15 + 10 + 10 + 10 + 10 + 5 + 10 = **100 points**\n\n**Risk Score**: **20/100** (where 100 is highest risk)\n\n### Recommendations\n\n1. **Maintain Good Payment Habits**: Continue to make payments on time to maintain the high payment history percentage.\n2. **Monitor Credit Utilization**: Aim to keep credit utilization below 30% to further improve the credit profile.\n3. **Limit New Credit Inquiries**: Avoid taking on new credit lines unless necessary to prevent additional inquiries that could impact the score.\n4. **Consider Debt Repayment Strategies**: If possible, consider paying down existing loans faster to reduce the overall debt burden and improve the loan burden ratio.\n5. **Regular Credit Monitoring**: Regularly check credit reports for accuracy and to stay informed about any changes in credit score or risk factors.\n\nOverall, the individual is in a good position with a low risk of default, but continued diligence in managing credit and",
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"system_message": "You are a credit risk assessment specialist. Analyze the provided credit data and calculate default risk.\n\nConsider:\n1. Credit score and history\n2. Repayment patterns\n3. Credit utilization\n4. Existing loan burden\n5. Overall risk profile\n\nProvide a risk score (1-100, where 100 is highest risk) and detailed risk analysis.\n"
},
"input_format": "json",
"model_client_id": "risk_assessor",
"output": "### Credit Risk Assessment\n\n#### Overview of Provided Data\n\n1. **CIBIL Score**: 720 (Good)\n - Score Range: Good\n - Total Accounts: 8 (Active: 6, Closed: 2)\n - Payment History: 99% on-time\n - Recent Inquiries: 2\n - Credit Utilization: 35.5%\n - Credit History Length: 5 years\n\n2. **Credit History**:\n - Credit Mix: \n - Other: 1\n - Auto Loans: 1\n - Home Loans: 0\n - Credit Cards: 3\n - Personal Loans: 1\n - Oldest Account Age: 60 months\n - Repayment Behavior:\n - Defaults: 0.0%\n - 30 Days Late: 12.0%\n - 60 Days Late: 2.5%\n - 90 Days Late: 0.5%\n - Never Missed: 85.0%\n - Average Account Age: 32 months\n - Recent Credit Behavior: Stable\n - Credit Limit Utilization: 35.2%\n\n3. **Existing Loans**:\n - Loan Details:\n - Personal Loan: EMI 3500, Outstanding 45000, Remaining Tenure 18 months\n - Auto Loan: EMI 4200, Outstanding 80000, Remaining Tenure 24 months\n - Number of Loans: 2\n - Loan Burden Ratio: 0.28\n - Total Monthly EMI: 7700\n - Total Outstanding: 125000\n - Repayment Track Record: Excellent\n\n### Risk Analysis\n\n1. **Credit Score and History**:\n - A score of 720 is considered good, indicating a lower likelihood of default. The individual has a strong payment history with 99% on-time payments, which is a positive indicator.\n\n2. **Repayment Patterns**:\n - The repayment behavior shows no defaults and a high percentage of on-time payments (99%). However, the individual has had some late payments (12% 30 days late, 2.5% 60 days late, and 0.5% 90 days late). While these figures are relatively low, they indicate some risk in repayment consistency.\n\n3. **Credit Utilization**:\n - The credit utilization rate of 35.5% is within the acceptable range (generally below 30% is ideal). This suggests that the individual is managing their credit responsibly without overextending themselves.\n\n4. **Existing Loan Burden**:\n - The loan burden ratio of 0.28 indicates that 28% of the individual\u0027s income is going towards debt repayment, which is manageable. The total outstanding loans of 125,000 with a total monthly EMI of 7700 suggests that the individual is capable of handling their current debt load.\n\n5. **Overall Risk Profile**:\n - The individual has a good mix of credit types (credit cards, personal loans, auto loans) and a stable repayment track record. The absence of defaults and a good credit score contribute positively to the risk profile.\n\n### Default Risk Score Calculation\n\nBased on the analysis, we can assign a risk score as follows:\n\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 15 points (Excellent)\n- **Repayment Patterns**: 10 points (Minor late payments)\n- **Credit Utilization**: 10 points (Acceptable range)\n- **Loan Burden Ratio**: 10 points (Manageable)\n- **Credit Mix**: 10 points (Diverse)\n- **Recent Inquiries**: 5 points (Low inquiries)\n- **Overall Stability**: 10 points (Stable behavior)\n\n**Total Risk Score**: 20 + 15 + 10 + 10 + 10 + 10 + 5 + 10 = **100 points**\n\n**Risk Score**: **20/100** (where 100 is highest risk)\n\n### Recommendations\n\n1. **Maintain Good Payment Habits**: Continue to make payments on time to maintain the high payment history percentage.\n2. **Monitor Credit Utilization**: Aim to keep credit utilization below 30% to further improve the credit profile.\n3. **Limit New Credit Inquiries**: Avoid taking on new credit lines unless necessary to prevent additional inquiries that could impact the score.\n4. **Consider Debt Repayment Strategies**: If possible, consider paying down existing loans faster to reduce the overall debt burden and improve the loan burden ratio.\n5. **Regular Credit Monitoring**: Regularly check credit reports for accuracy and to stay informed about any changes in credit score or risk factors.\n\nOverall, the individual is in a good position with a low risk of default, but continued diligence in managing credit and\n__OUTPUTS__ {\"ai_response\": \"### Credit Risk Assessment\\n\\n#### Overview of Provided Data\\n\\n1. **CIBIL Score**: 720 (Good)\\n - Score Range: Good\\n - Total Accounts: 8 (Active: 6, Closed: 2)\\n - Payment History: 99% on-time\\n - Recent Inquiries: 2\\n - Credit Utilization: 35.5%\\n - Credit History Length: 5 years\\n\\n2. **Credit History**:\\n - Credit Mix: \\n - Other: 1\\n - Auto Loans: 1\\n - Home Loans: 0\\n - Credit Cards: 3\\n - Personal Loans: 1\\n - Oldest Account Age: 60 months\\n - Repayment Behavior:\\n - Defaults: 0.0%\\n - 30 Days Late: 12.0%\\n - 60 Days Late: 2.5%\\n - 90 Days Late: 0.5%\\n - Never Missed: 85.0%\\n - Average Account Age: 32 months\\n - Recent Credit Behavior: Stable\\n - Credit Limit Utilization: 35.2%\\n\\n3. **Existing Loans**:\\n - Loan Details:\\n - Personal Loan: EMI 3500, Outstanding 45000, Remaining Tenure 18 months\\n - Auto Loan: EMI 4200, Outstanding 80000, Remaining Tenure 24 months\\n - Number of Loans: 2\\n - Loan Burden Ratio: 0.28\\n - Total Monthly EMI: 7700\\n - Total Outstanding: 125000\\n - Repayment Track Record: Excellent\\n\\n### Risk Analysis\\n\\n1. **Credit Score and History**:\\n - A score of 720 is considered good, indicating a lower likelihood of default. The individual has a strong payment history with 99% on-time payments, which is a positive indicator.\\n\\n2. **Repayment Patterns**:\\n - The repayment behavior shows no defaults and a high percentage of on-time payments (99%). However, the individual has had some late payments (12% 30 days late, 2.5% 60 days late, and 0.5% 90 days late). While these figures are relatively low, they indicate some risk in repayment consistency.\\n\\n3. **Credit Utilization**:\\n - The credit utilization rate of 35.5% is within the acceptable range (generally below 30% is ideal). This suggests that the individual is managing their credit responsibly without overextending themselves.\\n\\n4. **Existing Loan Burden**:\\n - The loan burden ratio of 0.28 indicates that 28% of the individual\u0027s income is going towards debt repayment, which is manageable. The total outstanding loans of 125,000 with a total monthly EMI of 7700 suggests that the individual is capable of handling their current debt load.\\n\\n5. **Overall Risk Profile**:\\n - The individual has a good mix of credit types (credit cards, personal loans, auto loans) and a stable repayment track record. The absence of defaults and a good credit score contribute positively to the risk profile.\\n\\n### Default Risk Score Calculation\\n\\nBased on the analysis, we can assign a risk score as follows:\\n\\n- **Credit Score**: 20 points (Good)\\n- **Payment History**: 15 points (Excellent)\\n- **Repayment Patterns**: 10 points (Minor late payments)\\n- **Credit Utilization**: 10 points (Acceptable range)\\n- **Loan Burden Ratio**: 10 points (Manageable)\\n- **Credit Mix**: 10 points (Diverse)\\n- **Recent Inquiries**: 5 points (Low inquiries)\\n- **Overall Stability**: 10 points (Stable behavior)\\n\\n**Total Risk Score**: 20 + 15 + 10 + 10 + 10 + 10 + 5 + 10 = **100 points**\\n\\n**Risk Score**: **20/100** (where 100 is highest risk)\\n\\n### Recommendations\\n\\n1. **Maintain Good Payment Habits**: Continue to make payments on time to maintain the high payment history percentage.\\n2. **Monitor Credit Utilization**: Aim to keep credit utilization below 30% to further improve the credit profile.\\n3. **Limit New Credit Inquiries**: Avoid taking on new credit lines unless necessary to prevent additional inquiries that could impact the score.\\n4. **Consider Debt Repayment Strategies**: If possible, consider paying down existing loans faster to reduce the overall debt burden and improve the loan burden ratio.\\n5. **Regular Credit Monitoring**: Regularly check credit reports for accuracy and to stay informed about any changes in credit score or risk factors.\\n\\nOverall, the individual is in a good position with a low risk of default, but continued diligence in managing credit and\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
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},
"duration_seconds": 19.813598,
"end_time": "2025-07-15T12:56:04.525010",
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"model": "gpt-4o-mini",
"model_client_id": "risk_assessor",
"output": "### Credit Risk Assessment\n\n#### Overview of Provided Data\n\n1. **CIBIL Score**: 720 (Good)\n - Score Range: Good\n - Total Accounts: 8 (Active: 6, Closed: 2)\n - Payment History: 99% on-time\n - Recent Inquiries: 2\n - Credit Utilization: 35.5%\n - Credit History Length: 5 years\n\n2. **Credit History**:\n - Credit Mix: \n - Other: 1\n - Auto Loans: 1\n - Home Loans: 0\n - Credit Cards: 3\n - Personal Loans: 1\n - Oldest Account Age: 60 months\n - Repayment Behavior:\n - Defaults: 0.0%\n - 30 Days Late: 12.0%\n - 60 Days Late: 2.5%\n - 90 Days Late: 0.5%\n - Never Missed: 85.0%\n - Average Account Age: 32 months\n - Recent Credit Behavior: Stable\n - Credit Limit Utilization: 35.2%\n\n3. **Existing Loans**:\n - Loan Details:\n - Personal Loan: EMI 3500, Outstanding 45000, Remaining Tenure 18 months\n - Auto Loan: EMI 4200, Outstanding 80000, Remaining Tenure 24 months\n - Number of Loans: 2\n - Loan Burden Ratio: 0.28\n - Total Monthly EMI: 7700\n - Total Outstanding: 125000\n - Repayment Track Record: Excellent\n\n### Risk Analysis\n\n1. **Credit Score and History**:\n - A score of 720 is considered good, indicating a lower likelihood of default. The individual has a strong payment history with 99% on-time payments, which is a positive indicator.\n\n2. **Repayment Patterns**:\n - The repayment behavior shows no defaults and a high percentage of on-time payments (99%). However, the individual has had some late payments (12% 30 days late, 2.5% 60 days late, and 0.5% 90 days late). While these figures are relatively low, they indicate some risk in repayment consistency.\n\n3. **Credit Utilization**:\n - The credit utilization rate of 35.5% is within the acceptable range (generally below 30% is ideal). This suggests that the individual is managing their credit responsibly without overextending themselves.\n\n4. **Existing Loan Burden**:\n - The loan burden ratio of 0.28 indicates that 28% of the individual\u0027s income is going towards debt repayment, which is manageable. The total outstanding loans of 125,000 with a total monthly EMI of 7700 suggests that the individual is capable of handling their current debt load.\n\n5. **Overall Risk Profile**:\n - The individual has a good mix of credit types (credit cards, personal loans, auto loans) and a stable repayment track record. The absence of defaults and a good credit score contribute positively to the risk profile.\n\n### Default Risk Score Calculation\n\nBased on the analysis, we can assign a risk score as follows:\n\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 15 points (Excellent)\n- **Repayment Patterns**: 10 points (Minor late payments)\n- **Credit Utilization**: 10 points (Acceptable range)\n- **Loan Burden Ratio**: 10 points (Manageable)\n- **Credit Mix**: 10 points (Diverse)\n- **Recent Inquiries**: 5 points (Low inquiries)\n- **Overall Stability**: 10 points (Stable behavior)\n\n**Total Risk Score**: 20 + 15 + 10 + 10 + 10 + 10 + 5 + 10 = **100 points**\n\n**Risk Score**: **20/100** (where 100 is highest risk)\n\n### Recommendations\n\n1. **Maintain Good Payment Habits**: Continue to make payments on time to maintain the high payment history percentage.\n2. **Monitor Credit Utilization**: Aim to keep credit utilization below 30% to further improve the credit profile.\n3. **Limit New Credit Inquiries**: Avoid taking on new credit lines unless necessary to prevent additional inquiries that could impact the score.\n4. **Consider Debt Repayment Strategies**: If possible, consider paying down existing loans faster to reduce the overall debt burden and improve the loan burden ratio.\n5. **Regular Credit Monitoring**: Regularly check credit reports for accuracy and to stay informed about any changes in credit score or risk factors.\n\nOverall, the individual is in a good position with a low risk of default, but continued diligence in managing credit and\n__OUTPUTS__ {\"ai_response\": \"### Credit Risk Assessment\\n\\n#### Overview of Provided Data\\n\\n1. **CIBIL Score**: 720 (Good)\\n - Score Range: Good\\n - Total Accounts: 8 (Active: 6, Closed: 2)\\n - Payment History: 99% on-time\\n - Recent Inquiries: 2\\n - Credit Utilization: 35.5%\\n - Credit History Length: 5 years\\n\\n2. **Credit History**:\\n - Credit Mix: \\n - Other: 1\\n - Auto Loans: 1\\n - Home Loans: 0\\n - Credit Cards: 3\\n - Personal Loans: 1\\n - Oldest Account Age: 60 months\\n - Repayment Behavior:\\n - Defaults: 0.0%\\n - 30 Days Late: 12.0%\\n - 60 Days Late: 2.5%\\n - 90 Days Late: 0.5%\\n - Never Missed: 85.0%\\n - Average Account Age: 32 months\\n - Recent Credit Behavior: Stable\\n - Credit Limit Utilization: 35.2%\\n\\n3. **Existing Loans**:\\n - Loan Details:\\n - Personal Loan: EMI 3500, Outstanding 45000, Remaining Tenure 18 months\\n - Auto Loan: EMI 4200, Outstanding 80000, Remaining Tenure 24 months\\n - Number of Loans: 2\\n - Loan Burden Ratio: 0.28\\n - Total Monthly EMI: 7700\\n - Total Outstanding: 125000\\n - Repayment Track Record: Excellent\\n\\n### Risk Analysis\\n\\n1. **Credit Score and History**:\\n - A score of 720 is considered good, indicating a lower likelihood of default. The individual has a strong payment history with 99% on-time payments, which is a positive indicator.\\n\\n2. **Repayment Patterns**:\\n - The repayment behavior shows no defaults and a high percentage of on-time payments (99%). However, the individual has had some late payments (12% 30 days late, 2.5% 60 days late, and 0.5% 90 days late). While these figures are relatively low, they indicate some risk in repayment consistency.\\n\\n3. **Credit Utilization**:\\n - The credit utilization rate of 35.5% is within the acceptable range (generally below 30% is ideal). This suggests that the individual is managing their credit responsibly without overextending themselves.\\n\\n4. **Existing Loan Burden**:\\n - The loan burden ratio of 0.28 indicates that 28% of the individual\u0027s income is going towards debt repayment, which is manageable. The total outstanding loans of 125,000 with a total monthly EMI of 7700 suggests that the individual is capable of handling their current debt load.\\n\\n5. **Overall Risk Profile**:\\n - The individual has a good mix of credit types (credit cards, personal loans, auto loans) and a stable repayment track record. The absence of defaults and a good credit score contribute positively to the risk profile.\\n\\n### Default Risk Score Calculation\\n\\nBased on the analysis, we can assign a risk score as follows:\\n\\n- **Credit Score**: 20 points (Good)\\n- **Payment History**: 15 points (Excellent)\\n- **Repayment Patterns**: 10 points (Minor late payments)\\n- **Credit Utilization**: 10 points (Acceptable range)\\n- **Loan Burden Ratio**: 10 points (Manageable)\\n- **Credit Mix**: 10 points (Diverse)\\n- **Recent Inquiries**: 5 points (Low inquiries)\\n- **Overall Stability**: 10 points (Stable behavior)\\n\\n**Total Risk Score**: 20 + 15 + 10 + 10 + 10 + 10 + 5 + 10 = **100 points**\\n\\n**Risk Score**: **20/100** (where 100 is highest risk)\\n\\n### Recommendations\\n\\n1. **Maintain Good Payment Habits**: Continue to make payments on time to maintain the high payment history percentage.\\n2. **Monitor Credit Utilization**: Aim to keep credit utilization below 30% to further improve the credit profile.\\n3. **Limit New Credit Inquiries**: Avoid taking on new credit lines unless necessary to prevent additional inquiries that could impact the score.\\n4. **Consider Debt Repayment Strategies**: If possible, consider paying down existing loans faster to reduce the overall debt burden and improve the loan burden ratio.\\n5. **Regular Credit Monitoring**: Regularly check credit reports for accuracy and to stay informed about any changes in credit score or risk factors.\\n\\nOverall, the individual is in a good position with a low risk of default, but continued diligence in managing credit and\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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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
},
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 10000}, \"missing_fields\": []}\n",
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},
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},
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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**: 6.5% (fixed)\n- **Loan Term**: 5 years\n- **Monthly EMI**: Approximately $195.00\n- **Prepayment Penalty**: None\n- **Documentation Required**: Proof of income, employment verification, and updated KYC documents.\n\n#### Risk Mitigation Measures:\n1. **Monitoring**: Regularly monitor the applicant\u0027s credit score and financial behavior for any significant changes.\n2. **Financial Counseling**: Offer financial counseling to help the applicant understand the costs associated with home purchases and encourage them to save more for a larger down payment.\n3. **Emergency Fund Requirement**: Recommend that the applicant maintain an emergency fund equivalent to at least 3-6 months of their monthly expenses to ensure they can manage repayments in case of unforeseen circumstances.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall application quality score of 85. The only red flag is the low requested amount for a home purchase, which warrants further verification but does not disqualify the application.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% success rate, indicating that the applicant\u0027s identity and financial information are consistent and reliable.\n\n3. **Income Assessment**: The applicant has a stable income of $75,000 annually, with a debt-to-income ratio of 35.9%, which is below the acceptable threshold of 40%. This indicates that the applicant has sufficient income to manage the proposed loan payments.\n\n4. **Credit Score**: The applicant has a CIBIL score of 720, which is considered good. Although the risk category is high, the overall credit history shows a strong payment track record with 99% on-time payments. The applicant has a manageable loan burden ratio of 28%, indicating they can handle their current debt load.\n\n5. **Compliance**: The applicant is compliant with all regulatory requirements, with low KYC and AML risks. This further supports the decision to approve the loan.\n\n6. **Overall Risk Profile**: The applicant\u0027s overall risk profile is low, with strong financial discipline and a good mix of credit types. The absence of defaults and a stable repayment track record contribute positively to the risk assessment.\n\n#### Confidence Level: 85\nWhile there are some concerns regarding the low requested amount for a home purchase, the applicant\u0027s overall financial stability, creditworthiness, and compliance status provide a strong basis for approval. The confidence level reflects a solid belief in the applicant\u0027s ability to repay the loan, with a recommendation for ongoing monitoring and support.",
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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**: 6.5% (fixed)\n- **Loan Term**: 5 years\n- **Monthly EMI**: Approximately $195.00\n- **Prepayment Penalty**: None\n- **Documentation Required**: Proof of income, employment verification, and updated KYC documents.\n\n#### Risk Mitigation Measures:\n1. **Monitoring**: Regularly monitor the applicant\u0027s credit score and financial behavior for any significant changes.\n2. **Financial Counseling**: Offer financial counseling to help the applicant understand the costs associated with home purchases and encourage them to save more for a larger down payment.\n3. **Emergency Fund Requirement**: Recommend that the applicant maintain an emergency fund equivalent to at least 3-6 months of their monthly expenses to ensure they can manage repayments in case of unforeseen circumstances.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall application quality score of 85. The only red flag is the low requested amount for a home purchase, which warrants further verification but does not disqualify the application.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% success rate, indicating that the applicant\u0027s identity and financial information are consistent and reliable.\n\n3. **Income Assessment**: The applicant has a stable income of $75,000 annually, with a debt-to-income ratio of 35.9%, which is below the acceptable threshold of 40%. This indicates that the applicant has sufficient income to manage the proposed loan payments.\n\n4. **Credit Score**: The applicant has a CIBIL score of 720, which is considered good. Although the risk category is high, the overall credit history shows a strong payment track record with 99% on-time payments. The applicant has a manageable loan burden ratio of 28%, indicating they can handle their current debt load.\n\n5. **Compliance**: The applicant is compliant with all regulatory requirements, with low KYC and AML risks. This further supports the decision to approve the loan.\n\n6. **Overall Risk Profile**: The applicant\u0027s overall risk profile is low, with strong financial discipline and a good mix of credit types. The absence of defaults and a stable repayment track record contribute positively to the risk assessment.\n\n#### Confidence Level: 85\nWhile there are some concerns regarding the low requested amount for a home purchase, the applicant\u0027s overall financial stability, creditworthiness, and compliance status provide a strong basis for approval. The confidence level reflects a solid belief in the applicant\u0027s ability to repay the loan, with a recommendation for ongoing monitoring and support.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: APPROVE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: 6.5% (fixed)\\n- **Loan Term**: 5 years\\n- **Monthly EMI**: Approximately $195.00\\n- **Prepayment Penalty**: None\\n- **Documentation Required**: Proof of income, employment verification, and updated KYC documents.\\n\\n#### Risk Mitigation Measures:\\n1. **Monitoring**: Regularly monitor the applicant\u0027s credit score and financial behavior for any significant changes.\\n2. **Financial Counseling**: Offer financial counseling to help the applicant understand the costs associated with home purchases and encourage them to save more for a larger down payment.\\n3. **Emergency Fund Requirement**: Recommend that the applicant maintain an emergency fund equivalent to at least 3-6 months of their monthly expenses to ensure they can manage repayments in case of unforeseen circumstances.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall application quality score of 85. The only red flag is the low requested amount for a home purchase, which warrants further verification but does not disqualify the application.\\n \\n2. **Document Verification**: All documents have been verified successfully with a 100% success rate, indicating that the applicant\u0027s identity and financial information are consistent and reliable.\\n\\n3. **Income Assessment**: The applicant has a stable income of $75,000 annually, with a debt-to-income ratio of 35.9%, which is below the acceptable threshold of 40%. This indicates that the applicant has sufficient income to manage the proposed loan payments.\\n\\n4. **Credit Score**: The applicant has a CIBIL score of 720, which is considered good. Although the risk category is high, the overall credit history shows a strong payment track record with 99% on-time payments. The applicant has a manageable loan burden ratio of 28%, indicating they can handle their current debt load.\\n\\n5. **Compliance**: The applicant is compliant with all regulatory requirements, with low KYC and AML risks. This further supports the decision to approve the loan.\\n\\n6. **Overall Risk Profile**: The applicant\u0027s overall risk profile is low, with strong financial discipline and a good mix of credit types. The absence of defaults and a stable repayment track record contribute positively to the risk assessment.\\n\\n#### Confidence Level: 85\\nWhile there are some concerns regarding the low requested amount for a home purchase, the applicant\u0027s overall financial stability, creditworthiness, and compliance status provide a strong basis for approval. The confidence level reflects a solid belief in the applicant\u0027s ability to repay the loan, with a recommendation for ongoing monitoring and support.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"output": "### Final Recommendation: APPROVE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: 6.5% (fixed)\n- **Loan Term**: 5 years\n- **Monthly EMI**: Approximately $195.00\n- **Prepayment Penalty**: None\n- **Documentation Required**: Proof of income, employment verification, and updated KYC documents.\n\n#### Risk Mitigation Measures:\n1. **Monitoring**: Regularly monitor the applicant\u0027s credit score and financial behavior for any significant changes.\n2. **Financial Counseling**: Offer financial counseling to help the applicant understand the costs associated with home purchases and encourage them to save more for a larger down payment.\n3. **Emergency Fund Requirement**: Recommend that the applicant maintain an emergency fund equivalent to at least 3-6 months of their monthly expenses to ensure they can manage repayments in case of unforeseen circumstances.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall application quality score of 85. The only red flag is the low requested amount for a home purchase, which warrants further verification but does not disqualify the application.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% success rate, indicating that the applicant\u0027s identity and financial information are consistent and reliable.\n\n3. **Income Assessment**: The applicant has a stable income of $75,000 annually, with a debt-to-income ratio of 35.9%, which is below the acceptable threshold of 40%. This indicates that the applicant has sufficient income to manage the proposed loan payments.\n\n4. **Credit Score**: The applicant has a CIBIL score of 720, which is considered good. Although the risk category is high, the overall credit history shows a strong payment track record with 99% on-time payments. The applicant has a manageable loan burden ratio of 28%, indicating they can handle their current debt load.\n\n5. **Compliance**: The applicant is compliant with all regulatory requirements, with low KYC and AML risks. This further supports the decision to approve the loan.\n\n6. **Overall Risk Profile**: The applicant\u0027s overall risk profile is low, with strong financial discipline and a good mix of credit types. The absence of defaults and a stable repayment track record contribute positively to the risk assessment.\n\n#### Confidence Level: 85\nWhile there are some concerns regarding the low requested amount for a home purchase, the applicant\u0027s overall financial stability, creditworthiness, and compliance status provide a strong basis for approval. The confidence level reflects a solid belief in the applicant\u0027s ability to repay the loan, with a recommendation for ongoing monitoring and support.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: APPROVE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: 6.5% (fixed)\\n- **Loan Term**: 5 years\\n- **Monthly EMI**: Approximately $195.00\\n- **Prepayment Penalty**: None\\n- **Documentation Required**: Proof of income, employment verification, and updated KYC documents.\\n\\n#### Risk Mitigation Measures:\\n1. **Monitoring**: Regularly monitor the applicant\u0027s credit score and financial behavior for any significant changes.\\n2. **Financial Counseling**: Offer financial counseling to help the applicant understand the costs associated with home purchases and encourage them to save more for a larger down payment.\\n3. **Emergency Fund Requirement**: Recommend that the applicant maintain an emergency fund equivalent to at least 3-6 months of their monthly expenses to ensure they can manage repayments in case of unforeseen circumstances.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall application quality score of 85. The only red flag is the low requested amount for a home purchase, which warrants further verification but does not disqualify the application.\\n \\n2. **Document Verification**: All documents have been verified successfully with a 100% success rate, indicating that the applicant\u0027s identity and financial information are consistent and reliable.\\n\\n3. **Income Assessment**: The applicant has a stable income of $75,000 annually, with a debt-to-income ratio of 35.9%, which is below the acceptable threshold of 40%. This indicates that the applicant has sufficient income to manage the proposed loan payments.\\n\\n4. **Credit Score**: The applicant has a CIBIL score of 720, which is considered good. Although the risk category is high, the overall credit history shows a strong payment track record with 99% on-time payments. The applicant has a manageable loan burden ratio of 28%, indicating they can handle their current debt load.\\n\\n5. **Compliance**: The applicant is compliant with all regulatory requirements, with low KYC and AML risks. This further supports the decision to approve the loan.\\n\\n6. **Overall Risk Profile**: The applicant\u0027s overall risk profile is low, with strong financial discipline and a good mix of credit types. The absence of defaults and a stable repayment track record contribute positively to the risk assessment.\\n\\n#### Confidence Level: 85\\nWhile there are some concerns regarding the low requested amount for a home purchase, the applicant\u0027s overall financial stability, creditworthiness, and compliance status provide a strong basis for approval. The confidence level reflects a solid belief in the applicant\u0027s ability to repay the loan, with a recommendation for ongoing monitoring and support.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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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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"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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"agent_type": "assistant",
"ai_response": "```json\n{\n \"income_assessment\": {\n \"income_stability\": {\n \"assessment\": \"Stable\",\n \"details\": {\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 }\n },\n \"debt_servicing_capability\": {\n \"assessment\": \"Adequate\",\n \"details\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"proposed_emi\": 41.67\n }\n },\n \"financial_discipline\": {\n \"assessment\": \"Strong\",\n \"details\": {\n \"financial_discipline_score\": 85.5,\n \"account_balance_trend\": \"stable\",\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true\n }\n },\n \"risk_factors\": {\n \"assessment\": \"Low\",\n \"details\": {\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true,\n \"job_stability_score\": 88.5,\n \"employer_rating\": \"A+\"\n }\n },\n \"recommendations\": [\n \"Continue maintaining current employment and financial discipline.\",\n \"Consider increasing savings to further improve financial stability.\",\n \"Monitor any changes in income or expenses to maintain a healthy debt-to-income ratio.\"\n ],\n \"overall_income_adequacy_score\": 88\n }\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_assessment\": {\n \"income_stability\": {\n \"assessment\": \"Stable\",\n \"details\": {\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 }\n },\n \"debt_servicing_capability\": {\n \"assessment\": \"Adequate\",\n \"details\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"proposed_emi\": 41.67\n }\n },\n \"financial_discipline\": {\n \"assessment\": \"Strong\",\n \"details\": {\n \"financial_discipline_score\": 85.5,\n \"account_balance_trend\": \"stable\",\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true\n }\n },\n \"risk_factors\": {\n \"assessment\": \"Low\",\n \"details\": {\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true,\n \"job_stability_score\": 88.5,\n \"employer_rating\": \"A+\"\n }\n },\n \"recommendations\": [\n \"Continue maintaining current employment and financial discipline.\",\n \"Consider increasing savings to further improve financial stability.\",\n \"Monitor any changes in income or expenses to maintain a healthy debt-to-income ratio.\"\n ],\n \"overall_income_adequacy_score\": 88\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_assessment\\\": {\\n \\\"income_stability\\\": {\\n \\\"assessment\\\": \\\"Stable\\\",\\n \\\"details\\\": {\\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 }\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"assessment\\\": \\\"Adequate\\\",\\n \\\"details\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"proposed_emi\\\": 41.67\\n }\\n },\\n \\\"financial_discipline\\\": {\\n \\\"assessment\\\": \\\"Strong\\\",\\n \\\"details\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"salary_credits_consistent\\\": true\\n }\\n },\\n \\\"risk_factors\\\": {\\n \\\"assessment\\\": \\\"Low\\\",\\n \\\"details\\\": {\\n \\\"discrepancies_found\\\": false,\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"returns_filed_consistently\\\": true,\\n \\\"job_stability_score\\\": 88.5,\\n \\\"employer_rating\\\": \\\"A+\\\"\\n }\\n },\\n \\\"recommendations\\\": [\\n \\\"Continue maintaining current employment and financial discipline.\\\",\\n \\\"Consider increasing savings to further improve financial stability.\\\",\\n \\\"Monitor any changes in income or expenses to maintain a healthy debt-to-income ratio.\\\"\\n ],\\n \\\"overall_income_adequacy_score\\\": 88\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"output": "```json\n{\n \"income_assessment\": {\n \"income_stability\": {\n \"assessment\": \"Stable\",\n \"details\": {\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 }\n },\n \"debt_servicing_capability\": {\n \"assessment\": \"Adequate\",\n \"details\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"proposed_emi\": 41.67\n }\n },\n \"financial_discipline\": {\n \"assessment\": \"Strong\",\n \"details\": {\n \"financial_discipline_score\": 85.5,\n \"account_balance_trend\": \"stable\",\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true\n }\n },\n \"risk_factors\": {\n \"assessment\": \"Low\",\n \"details\": {\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true,\n \"job_stability_score\": 88.5,\n \"employer_rating\": \"A+\"\n }\n },\n \"recommendations\": [\n \"Continue maintaining current employment and financial discipline.\",\n \"Consider increasing savings to further improve financial stability.\",\n \"Monitor any changes in income or expenses to maintain a healthy debt-to-income ratio.\"\n ],\n \"overall_income_adequacy_score\": 88\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_assessment\\\": {\\n \\\"income_stability\\\": {\\n \\\"assessment\\\": \\\"Stable\\\",\\n \\\"details\\\": {\\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 }\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"assessment\\\": \\\"Adequate\\\",\\n \\\"details\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"proposed_emi\\\": 41.67\\n }\\n },\\n \\\"financial_discipline\\\": {\\n \\\"assessment\\\": \\\"Strong\\\",\\n \\\"details\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"salary_credits_consistent\\\": true\\n }\\n },\\n \\\"risk_factors\\\": {\\n \\\"assessment\\\": \\\"Low\\\",\\n \\\"details\\\": {\\n \\\"discrepancies_found\\\": false,\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"returns_filed_consistently\\\": true,\\n \\\"job_stability_score\\\": 88.5,\\n \\\"employer_rating\\\": \\\"A+\\\"\\n }\\n },\\n \\\"recommendations\\\": [\\n \\\"Continue maintaining current employment and financial discipline.\\\",\\n \\\"Consider increasing savings to further improve financial stability.\\\",\\n \\\"Monitor any changes in income or expenses to maintain a healthy debt-to-income ratio.\\\"\\n ],\\n \\\"overall_income_adequacy_score\\\": 88\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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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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"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": 0.332645,
"end_time": "2025-07-15T12:56:03.876049",
"message_sent": true,
"start_time": "2025-07-15T12:56:03.543404",
"timestamp": "2025-07-15T12:56:03.876049",
"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": 0.352285,
"end_time": "2025-07-15T12:56:04.492691",
"message_sent": true,
"start_time": "2025-07-15T12:56:04.140406",
"timestamp": "2025-07-15T12:56:04.492691",
"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"
},
"status": "FAILED",
"task_outputs": {
"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": 0.371765,
"end_time": "2025-07-15T12:56:04.194641",
"message_sent": true,
"start_time": "2025-07-15T12:56:03.822876",
"timestamp": "2025-07-15T12:56:04.194641",
"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": 0.421617,
"end_time": "2025-07-15T12:55:35.350774",
"message_sent": true,
"start_time": "2025-07-15T12:55:34.929157",
"timestamp": "2025-07-15T12:55:35.350774",
"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": 0.258447,
"end_time": "2025-07-15T12:55:44.371538",
"message_sent": true,
"start_time": "2025-07-15T12:55:44.113091",
"timestamp": "2025-07-15T12:55:44.371538",
"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": 0.371404,
"end_time": "2025-07-15T12:55:35.264240",
"message_sent": true,
"start_time": "2025-07-15T12:55:34.892836",
"timestamp": "2025-07-15T12:55:35.264240",
"worker_executed": true,
"workers_notified": true
},
"monthly_gross": 8500,
"monthly_net": 6800,
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"recent_increment": true,
"return_code": 0,
"salary_consistency": true,
"status": "completed",
"stderr": "",
"task_id": "analyze_salary_slips"
},
"application_quality_check": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"loan_purpose_vs_requested_amount\": {\n \"issue\": \"The requested amount of $10,000 is unusually low for a home purchase.\",\n \"suggestion\": \"Verify if the applicant is aware of the typical costs associated with home purchases.\"\n }\n },\n \"overall_application_quality_score\": 85\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 468,
"model": "gpt-4o-mini",
"output_length": 822,
"provider": "openai",
"system_message": "You are an expert loan underwriting analyst. Review the application data and assess its quality.\n\nEvaluate:\n1. Data completeness and accuracy\n2. Consistency of information\n3. Red flags or inconsistencies\n4. Overall application quality score (1-100)\n\nReturn a JSON response with your assessment.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"loan_purpose_vs_requested_amount\": {\n \"issue\": \"The requested amount of $10,000 is unusually low for a home purchase.\",\n \"suggestion\": \"Verify if the applicant is aware of the typical costs associated with home purchases.\"\n }\n },\n \"overall_application_quality_score\": 85\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 10000,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"loan_purpose_vs_requested_amount\\\": {\\n \\\"issue\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase.\\\",\\n \\\"suggestion\\\": \\\"Verify if the applicant is aware of the typical costs associated with home purchases.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 85\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 6.14182,
"end_time": "2025-07-15T12:55:31.612481",
"message_sent": true,
"start_time": "2025-07-15T12:55:25.470661",
"timestamp": "2025-07-15T12:55:31.612481",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"missing_fields\": [],\n \"validation_passed\": true,\n \"completion_percentage\": 100.0\n },\n \"consistency_of_information\": {\n \"email\": \"john.doe@email.com\",\n \"phone\": \"+1-555-0123\",\n \"address\": \"123 Main St, City, State 12345\",\n \"full_name\": \"John Doe\",\n \"customer_id\": \"CUST_12345\",\n \"loan_purpose\": \"home_purchase\",\n \"annual_income\": 75000,\n \"requested_amount\": 10000,\n \"employment_status\": \"employed\"\n },\n \"red_flags_or inconsistencies\": {\n \"loan_purpose_vs_requested_amount\": {\n \"issue\": \"The requested amount of $10,000 is unusually low for a home purchase.\",\n \"suggestion\": \"Verify if the applicant is aware of the typical costs associated with home purchases.\"\n }\n },\n \"overall_application_quality_score\": 85\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"missing_fields\\\": [],\\n \\\"validation_passed\\\": true,\\n \\\"completion_percentage\\\": 100.0\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"john.doe@email.com\\\",\\n \\\"phone\\\": \\\"+1-555-0123\\\",\\n \\\"address\\\": \\\"123 Main St, City, State 12345\\\",\\n \\\"full_name\\\": \\\"John Doe\\\",\\n \\\"customer_id\\\": \\\"CUST_12345\\\",\\n \\\"loan_purpose\\\": \\\"home_purchase\\\",\\n \\\"annual_income\\\": 75000,\\n \\\"requested_amount\\\": 10000,\\n \\\"employment_status\\\": \\\"employed\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"loan_purpose_vs_requested_amount\\\": {\\n \\\"issue\\\": \\\"The requested amount of $10,000 is unusually low for a home purchase.\\\",\\n \\\"suggestion\\\": \\\"Verify if the applicant is aware of the typical costs associated with home purchases.\\\"\\n }\\n },\\n \\\"overall_application_quality_score\\\": 85\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "application_quality_check"
},
"assess_existing_loans": {
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.367325,
"end_time": "2025-07-15T12:55:44.770231",
"message_sent": true,
"start_time": "2025-07-15T12:55:44.402906",
"timestamp": "2025-07-15T12:55:44.770231",
"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": 0.342094,
"end_time": "2025-07-15T12:56:03.508937",
"message_sent": true,
"start_time": "2025-07-15T12:56:03.166843",
"timestamp": "2025-07-15T12:56:03.508937",
"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": 0.44492,
"end_time": "2025-07-15T12:55:35.986902",
"message_sent": true,
"start_time": "2025-07-15T12:55:35.541982",
"timestamp": "2025-07-15T12:55:35.986902",
"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": 0.281734,
"end_time": "2025-07-15T12:55:44.161535",
"message_sent": true,
"start_time": "2025-07-15T12:55:43.879801",
"timestamp": "2025-07-15T12:55:44.161535",
"worker_executed": true,
"workers_notified": true
},
"last_updated": "2024-06-01",
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"payment_history": "99% on-time",
"recent_inquiries": 2,
"return_code": 0,
"score_range": "Good",
"status": "completed",
"stderr": "",
"task_id": "check_cibil_score",
"total_accounts": 8
},
"compliance_consolidation": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk\": \"low\",\n \"kyc_risk\": \"low\",\n \"aml_risk\": \"low\",\n \"regulatory_risk\": \"minimal\",\n \"internal_policy_risk\": \"low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations\": [\n \"Continue to monitor compliance checks regularly to maintain low risk status.\",\n \"Ensure all documentation is kept up to date, especially KYC and AML records.\",\n \"Conduct periodic training for staff on compliance updates and regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 1285,
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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",
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"output": "```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk\": \"low\",\n \"kyc_risk\": \"low\",\n \"aml_risk\": \"low\",\n \"regulatory_risk\": \"minimal\",\n \"internal_policy_risk\": \"low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations\": [\n \"Continue to monitor compliance checks regularly to maintain low risk status.\",\n \"Ensure all documentation is kept up to date, especially KYC and AML records.\",\n \"Conduct periodic training for staff on compliance updates and regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_compliance_status\\\": \\\"compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk\\\": \\\"low\\\",\\n \\\"kyc_risk\\\": \\\"low\\\",\\n \\\"aml_risk\\\": \\\"low\\\",\\n \\\"regulatory_risk\\\": \\\"minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue to monitor compliance checks regularly to maintain low risk status.\\\",\\n \\\"Ensure all documentation is kept up to date, especially KYC and AML records.\\\",\\n \\\"Conduct periodic training for staff on compliance updates and regulatory changes.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"model": "gpt-4o-mini",
"model_client_id": "compliance_reviewer",
"output": "```json\n{\n \"overall_compliance_status\": \"compliant\",\n \"risk_assessment\": {\n \"overall_risk\": \"low\",\n \"kyc_risk\": \"low\",\n \"aml_risk\": \"low\",\n \"regulatory_risk\": \"minimal\",\n \"internal_policy_risk\": \"low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations\": [\n \"Continue to monitor compliance checks regularly to maintain low risk status.\",\n \"Ensure all documentation is kept up to date, especially KYC and AML records.\",\n \"Conduct periodic training for staff on compliance updates and regulatory changes.\"\n ],\n \"compliance_confidence_score\": 97.5\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_compliance_status\\\": \\\"compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk\\\": \\\"low\\\",\\n \\\"kyc_risk\\\": \\\"low\\\",\\n \\\"aml_risk\\\": \\\"low\\\",\\n \\\"regulatory_risk\\\": \\\"minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue to monitor compliance checks regularly to maintain low risk status.\\\",\\n \\\"Ensure all documentation is kept up to date, especially KYC and AML records.\\\",\\n \\\"Conduct periodic training for staff on compliance updates and regulatory changes.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "compliance_consolidation"
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"consolidate_document_verification": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores. Proceed with the next steps in the process.\"\n}\n```",
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"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores. Proceed with the next steps in the process.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100,\\n \\\"consistency_across_documents\\\": {\\n \\\"name_match\\\": true,\\n \\\"address_match\\\": true\\n },\\n \\\"risk_factors_identified\\\": [],\\n \\\"recommendation_for_proceeding\\\": \\\"All documents have been successfully verified with high scores. Proceed with the next steps in the process.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 100,\n \"consistency_across_documents\": {\n \"name_match\": true,\n \"address_match\": true\n },\n \"risk_factors_identified\": [],\n \"recommendation_for_proceeding\": \"All documents have been successfully verified with high scores. Proceed with the next steps in the process.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 100,\\n \\\"consistency_across_documents\\\": {\\n \\\"name_match\\\": true,\\n \\\"address_match\\\": true\\n },\\n \\\"risk_factors_identified\\\": [],\\n \\\"recommendation_for_proceeding\\\": \\\"All documents have been successfully verified with high scores. Proceed with the next steps in the process.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
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"evaluate_default_risk": {
"agent_type": "assistant",
"ai_response": "### Credit Risk Assessment\n\n#### Overview of Provided Data\n\n1. **CIBIL Score**: 720 (Good)\n - Score Range: Good\n - Total Accounts: 8 (Active: 6, Closed: 2)\n - Payment History: 99% on-time\n - Recent Inquiries: 2\n - Credit Utilization: 35.5%\n - Credit History Length: 5 years\n\n2. **Credit History**:\n - Credit Mix: \n - Other: 1\n - Auto Loans: 1\n - Home Loans: 0\n - Credit Cards: 3\n - Personal Loans: 1\n - Oldest Account Age: 60 months\n - Repayment Behavior:\n - Defaults: 0.0%\n - 30 Days Late: 12.0%\n - 60 Days Late: 2.5%\n - 90 Days Late: 0.5%\n - Never Missed: 85.0%\n - Average Account Age: 32 months\n - Recent Credit Behavior: Stable\n - Credit Limit Utilization: 35.2%\n\n3. **Existing Loans**:\n - Loan Details:\n - Personal Loan: EMI 3500, Outstanding 45000, Remaining Tenure 18 months\n - Auto Loan: EMI 4200, Outstanding 80000, Remaining Tenure 24 months\n - Number of Loans: 2\n - Loan Burden Ratio: 0.28\n - Total Monthly EMI: 7700\n - Total Outstanding: 125000\n - Repayment Track Record: Excellent\n\n### Risk Analysis\n\n1. **Credit Score and History**:\n - A score of 720 is considered good, indicating a lower likelihood of default. The individual has a strong payment history with 99% on-time payments, which is a positive indicator.\n\n2. **Repayment Patterns**:\n - The repayment behavior shows no defaults and a high percentage of on-time payments (99%). However, the individual has had some late payments (12% 30 days late, 2.5% 60 days late, and 0.5% 90 days late). While these figures are relatively low, they indicate some risk in repayment consistency.\n\n3. **Credit Utilization**:\n - The credit utilization rate of 35.5% is within the acceptable range (generally below 30% is ideal). This suggests that the individual is managing their credit responsibly without overextending themselves.\n\n4. **Existing Loan Burden**:\n - The loan burden ratio of 0.28 indicates that 28% of the individual\u0027s income is going towards debt repayment, which is manageable. The total outstanding loans of 125,000 with a total monthly EMI of 7700 suggests that the individual is capable of handling their current debt load.\n\n5. **Overall Risk Profile**:\n - The individual has a good mix of credit types (credit cards, personal loans, auto loans) and a stable repayment track record. The absence of defaults and a good credit score contribute positively to the risk profile.\n\n### Default Risk Score Calculation\n\nBased on the analysis, we can assign a risk score as follows:\n\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 15 points (Excellent)\n- **Repayment Patterns**: 10 points (Minor late payments)\n- **Credit Utilization**: 10 points (Acceptable range)\n- **Loan Burden Ratio**: 10 points (Manageable)\n- **Credit Mix**: 10 points (Diverse)\n- **Recent Inquiries**: 5 points (Low inquiries)\n- **Overall Stability**: 10 points (Stable behavior)\n\n**Total Risk Score**: 20 + 15 + 10 + 10 + 10 + 10 + 5 + 10 = **100 points**\n\n**Risk Score**: **20/100** (where 100 is highest risk)\n\n### Recommendations\n\n1. **Maintain Good Payment Habits**: Continue to make payments on time to maintain the high payment history percentage.\n2. **Monitor Credit Utilization**: Aim to keep credit utilization below 30% to further improve the credit profile.\n3. **Limit New Credit Inquiries**: Avoid taking on new credit lines unless necessary to prevent additional inquiries that could impact the score.\n4. **Consider Debt Repayment Strategies**: If possible, consider paying down existing loans faster to reduce the overall debt burden and improve the loan burden ratio.\n5. **Regular Credit Monitoring**: Regularly check credit reports for accuracy and to stay informed about any changes in credit score or risk factors.\n\nOverall, the individual is in a good position with a low risk of default, but continued diligence in managing credit and",
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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": "### Credit Risk Assessment\n\n#### Overview of Provided Data\n\n1. **CIBIL Score**: 720 (Good)\n - Score Range: Good\n - Total Accounts: 8 (Active: 6, Closed: 2)\n - Payment History: 99% on-time\n - Recent Inquiries: 2\n - Credit Utilization: 35.5%\n - Credit History Length: 5 years\n\n2. **Credit History**:\n - Credit Mix: \n - Other: 1\n - Auto Loans: 1\n - Home Loans: 0\n - Credit Cards: 3\n - Personal Loans: 1\n - Oldest Account Age: 60 months\n - Repayment Behavior:\n - Defaults: 0.0%\n - 30 Days Late: 12.0%\n - 60 Days Late: 2.5%\n - 90 Days Late: 0.5%\n - Never Missed: 85.0%\n - Average Account Age: 32 months\n - Recent Credit Behavior: Stable\n - Credit Limit Utilization: 35.2%\n\n3. **Existing Loans**:\n - Loan Details:\n - Personal Loan: EMI 3500, Outstanding 45000, Remaining Tenure 18 months\n - Auto Loan: EMI 4200, Outstanding 80000, Remaining Tenure 24 months\n - Number of Loans: 2\n - Loan Burden Ratio: 0.28\n - Total Monthly EMI: 7700\n - Total Outstanding: 125000\n - Repayment Track Record: Excellent\n\n### Risk Analysis\n\n1. **Credit Score and History**:\n - A score of 720 is considered good, indicating a lower likelihood of default. The individual has a strong payment history with 99% on-time payments, which is a positive indicator.\n\n2. **Repayment Patterns**:\n - The repayment behavior shows no defaults and a high percentage of on-time payments (99%). However, the individual has had some late payments (12% 30 days late, 2.5% 60 days late, and 0.5% 90 days late). While these figures are relatively low, they indicate some risk in repayment consistency.\n\n3. **Credit Utilization**:\n - The credit utilization rate of 35.5% is within the acceptable range (generally below 30% is ideal). This suggests that the individual is managing their credit responsibly without overextending themselves.\n\n4. **Existing Loan Burden**:\n - The loan burden ratio of 0.28 indicates that 28% of the individual\u0027s income is going towards debt repayment, which is manageable. The total outstanding loans of 125,000 with a total monthly EMI of 7700 suggests that the individual is capable of handling their current debt load.\n\n5. **Overall Risk Profile**:\n - The individual has a good mix of credit types (credit cards, personal loans, auto loans) and a stable repayment track record. The absence of defaults and a good credit score contribute positively to the risk profile.\n\n### Default Risk Score Calculation\n\nBased on the analysis, we can assign a risk score as follows:\n\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 15 points (Excellent)\n- **Repayment Patterns**: 10 points (Minor late payments)\n- **Credit Utilization**: 10 points (Acceptable range)\n- **Loan Burden Ratio**: 10 points (Manageable)\n- **Credit Mix**: 10 points (Diverse)\n- **Recent Inquiries**: 5 points (Low inquiries)\n- **Overall Stability**: 10 points (Stable behavior)\n\n**Total Risk Score**: 20 + 15 + 10 + 10 + 10 + 10 + 5 + 10 = **100 points**\n\n**Risk Score**: **20/100** (where 100 is highest risk)\n\n### Recommendations\n\n1. **Maintain Good Payment Habits**: Continue to make payments on time to maintain the high payment history percentage.\n2. **Monitor Credit Utilization**: Aim to keep credit utilization below 30% to further improve the credit profile.\n3. **Limit New Credit Inquiries**: Avoid taking on new credit lines unless necessary to prevent additional inquiries that could impact the score.\n4. **Consider Debt Repayment Strategies**: If possible, consider paying down existing loans faster to reduce the overall debt burden and improve the loan burden ratio.\n5. **Regular Credit Monitoring**: Regularly check credit reports for accuracy and to stay informed about any changes in credit score or risk factors.\n\nOverall, the individual is in a good position with a low risk of default, but continued diligence in managing credit and\n__OUTPUTS__ {\"ai_response\": \"### Credit Risk Assessment\\n\\n#### Overview of Provided Data\\n\\n1. **CIBIL Score**: 720 (Good)\\n - Score Range: Good\\n - Total Accounts: 8 (Active: 6, Closed: 2)\\n - Payment History: 99% on-time\\n - Recent Inquiries: 2\\n - Credit Utilization: 35.5%\\n - Credit History Length: 5 years\\n\\n2. **Credit History**:\\n - Credit Mix: \\n - Other: 1\\n - Auto Loans: 1\\n - Home Loans: 0\\n - Credit Cards: 3\\n - Personal Loans: 1\\n - Oldest Account Age: 60 months\\n - Repayment Behavior:\\n - Defaults: 0.0%\\n - 30 Days Late: 12.0%\\n - 60 Days Late: 2.5%\\n - 90 Days Late: 0.5%\\n - Never Missed: 85.0%\\n - Average Account Age: 32 months\\n - Recent Credit Behavior: Stable\\n - Credit Limit Utilization: 35.2%\\n\\n3. **Existing Loans**:\\n - Loan Details:\\n - Personal Loan: EMI 3500, Outstanding 45000, Remaining Tenure 18 months\\n - Auto Loan: EMI 4200, Outstanding 80000, Remaining Tenure 24 months\\n - Number of Loans: 2\\n - Loan Burden Ratio: 0.28\\n - Total Monthly EMI: 7700\\n - Total Outstanding: 125000\\n - Repayment Track Record: Excellent\\n\\n### Risk Analysis\\n\\n1. **Credit Score and History**:\\n - A score of 720 is considered good, indicating a lower likelihood of default. The individual has a strong payment history with 99% on-time payments, which is a positive indicator.\\n\\n2. **Repayment Patterns**:\\n - The repayment behavior shows no defaults and a high percentage of on-time payments (99%). However, the individual has had some late payments (12% 30 days late, 2.5% 60 days late, and 0.5% 90 days late). While these figures are relatively low, they indicate some risk in repayment consistency.\\n\\n3. **Credit Utilization**:\\n - The credit utilization rate of 35.5% is within the acceptable range (generally below 30% is ideal). This suggests that the individual is managing their credit responsibly without overextending themselves.\\n\\n4. **Existing Loan Burden**:\\n - The loan burden ratio of 0.28 indicates that 28% of the individual\u0027s income is going towards debt repayment, which is manageable. The total outstanding loans of 125,000 with a total monthly EMI of 7700 suggests that the individual is capable of handling their current debt load.\\n\\n5. **Overall Risk Profile**:\\n - The individual has a good mix of credit types (credit cards, personal loans, auto loans) and a stable repayment track record. The absence of defaults and a good credit score contribute positively to the risk profile.\\n\\n### Default Risk Score Calculation\\n\\nBased on the analysis, we can assign a risk score as follows:\\n\\n- **Credit Score**: 20 points (Good)\\n- **Payment History**: 15 points (Excellent)\\n- **Repayment Patterns**: 10 points (Minor late payments)\\n- **Credit Utilization**: 10 points (Acceptable range)\\n- **Loan Burden Ratio**: 10 points (Manageable)\\n- **Credit Mix**: 10 points (Diverse)\\n- **Recent Inquiries**: 5 points (Low inquiries)\\n- **Overall Stability**: 10 points (Stable behavior)\\n\\n**Total Risk Score**: 20 + 15 + 10 + 10 + 10 + 10 + 5 + 10 = **100 points**\\n\\n**Risk Score**: **20/100** (where 100 is highest risk)\\n\\n### Recommendations\\n\\n1. **Maintain Good Payment Habits**: Continue to make payments on time to maintain the high payment history percentage.\\n2. **Monitor Credit Utilization**: Aim to keep credit utilization below 30% to further improve the credit profile.\\n3. **Limit New Credit Inquiries**: Avoid taking on new credit lines unless necessary to prevent additional inquiries that could impact the score.\\n4. **Consider Debt Repayment Strategies**: If possible, consider paying down existing loans faster to reduce the overall debt burden and improve the loan burden ratio.\\n5. **Regular Credit Monitoring**: Regularly check credit reports for accuracy and to stay informed about any changes in credit score or risk factors.\\n\\nOverall, the individual is in a good position with a low risk of default, but continued diligence in managing credit and\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"output": "### Credit Risk Assessment\n\n#### Overview of Provided Data\n\n1. **CIBIL Score**: 720 (Good)\n - Score Range: Good\n - Total Accounts: 8 (Active: 6, Closed: 2)\n - Payment History: 99% on-time\n - Recent Inquiries: 2\n - Credit Utilization: 35.5%\n - Credit History Length: 5 years\n\n2. **Credit History**:\n - Credit Mix: \n - Other: 1\n - Auto Loans: 1\n - Home Loans: 0\n - Credit Cards: 3\n - Personal Loans: 1\n - Oldest Account Age: 60 months\n - Repayment Behavior:\n - Defaults: 0.0%\n - 30 Days Late: 12.0%\n - 60 Days Late: 2.5%\n - 90 Days Late: 0.5%\n - Never Missed: 85.0%\n - Average Account Age: 32 months\n - Recent Credit Behavior: Stable\n - Credit Limit Utilization: 35.2%\n\n3. **Existing Loans**:\n - Loan Details:\n - Personal Loan: EMI 3500, Outstanding 45000, Remaining Tenure 18 months\n - Auto Loan: EMI 4200, Outstanding 80000, Remaining Tenure 24 months\n - Number of Loans: 2\n - Loan Burden Ratio: 0.28\n - Total Monthly EMI: 7700\n - Total Outstanding: 125000\n - Repayment Track Record: Excellent\n\n### Risk Analysis\n\n1. **Credit Score and History**:\n - A score of 720 is considered good, indicating a lower likelihood of default. The individual has a strong payment history with 99% on-time payments, which is a positive indicator.\n\n2. **Repayment Patterns**:\n - The repayment behavior shows no defaults and a high percentage of on-time payments (99%). However, the individual has had some late payments (12% 30 days late, 2.5% 60 days late, and 0.5% 90 days late). While these figures are relatively low, they indicate some risk in repayment consistency.\n\n3. **Credit Utilization**:\n - The credit utilization rate of 35.5% is within the acceptable range (generally below 30% is ideal). This suggests that the individual is managing their credit responsibly without overextending themselves.\n\n4. **Existing Loan Burden**:\n - The loan burden ratio of 0.28 indicates that 28% of the individual\u0027s income is going towards debt repayment, which is manageable. The total outstanding loans of 125,000 with a total monthly EMI of 7700 suggests that the individual is capable of handling their current debt load.\n\n5. **Overall Risk Profile**:\n - The individual has a good mix of credit types (credit cards, personal loans, auto loans) and a stable repayment track record. The absence of defaults and a good credit score contribute positively to the risk profile.\n\n### Default Risk Score Calculation\n\nBased on the analysis, we can assign a risk score as follows:\n\n- **Credit Score**: 20 points (Good)\n- **Payment History**: 15 points (Excellent)\n- **Repayment Patterns**: 10 points (Minor late payments)\n- **Credit Utilization**: 10 points (Acceptable range)\n- **Loan Burden Ratio**: 10 points (Manageable)\n- **Credit Mix**: 10 points (Diverse)\n- **Recent Inquiries**: 5 points (Low inquiries)\n- **Overall Stability**: 10 points (Stable behavior)\n\n**Total Risk Score**: 20 + 15 + 10 + 10 + 10 + 10 + 5 + 10 = **100 points**\n\n**Risk Score**: **20/100** (where 100 is highest risk)\n\n### Recommendations\n\n1. **Maintain Good Payment Habits**: Continue to make payments on time to maintain the high payment history percentage.\n2. **Monitor Credit Utilization**: Aim to keep credit utilization below 30% to further improve the credit profile.\n3. **Limit New Credit Inquiries**: Avoid taking on new credit lines unless necessary to prevent additional inquiries that could impact the score.\n4. **Consider Debt Repayment Strategies**: If possible, consider paying down existing loans faster to reduce the overall debt burden and improve the loan burden ratio.\n5. **Regular Credit Monitoring**: Regularly check credit reports for accuracy and to stay informed about any changes in credit score or risk factors.\n\nOverall, the individual is in a good position with a low risk of default, but continued diligence in managing credit and\n__OUTPUTS__ {\"ai_response\": \"### Credit Risk Assessment\\n\\n#### Overview of Provided Data\\n\\n1. **CIBIL Score**: 720 (Good)\\n - Score Range: Good\\n - Total Accounts: 8 (Active: 6, Closed: 2)\\n - Payment History: 99% on-time\\n - Recent Inquiries: 2\\n - Credit Utilization: 35.5%\\n - Credit History Length: 5 years\\n\\n2. **Credit History**:\\n - Credit Mix: \\n - Other: 1\\n - Auto Loans: 1\\n - Home Loans: 0\\n - Credit Cards: 3\\n - Personal Loans: 1\\n - Oldest Account Age: 60 months\\n - Repayment Behavior:\\n - Defaults: 0.0%\\n - 30 Days Late: 12.0%\\n - 60 Days Late: 2.5%\\n - 90 Days Late: 0.5%\\n - Never Missed: 85.0%\\n - Average Account Age: 32 months\\n - Recent Credit Behavior: Stable\\n - Credit Limit Utilization: 35.2%\\n\\n3. **Existing Loans**:\\n - Loan Details:\\n - Personal Loan: EMI 3500, Outstanding 45000, Remaining Tenure 18 months\\n - Auto Loan: EMI 4200, Outstanding 80000, Remaining Tenure 24 months\\n - Number of Loans: 2\\n - Loan Burden Ratio: 0.28\\n - Total Monthly EMI: 7700\\n - Total Outstanding: 125000\\n - Repayment Track Record: Excellent\\n\\n### Risk Analysis\\n\\n1. **Credit Score and History**:\\n - A score of 720 is considered good, indicating a lower likelihood of default. The individual has a strong payment history with 99% on-time payments, which is a positive indicator.\\n\\n2. **Repayment Patterns**:\\n - The repayment behavior shows no defaults and a high percentage of on-time payments (99%). However, the individual has had some late payments (12% 30 days late, 2.5% 60 days late, and 0.5% 90 days late). While these figures are relatively low, they indicate some risk in repayment consistency.\\n\\n3. **Credit Utilization**:\\n - The credit utilization rate of 35.5% is within the acceptable range (generally below 30% is ideal). This suggests that the individual is managing their credit responsibly without overextending themselves.\\n\\n4. **Existing Loan Burden**:\\n - The loan burden ratio of 0.28 indicates that 28% of the individual\u0027s income is going towards debt repayment, which is manageable. The total outstanding loans of 125,000 with a total monthly EMI of 7700 suggests that the individual is capable of handling their current debt load.\\n\\n5. **Overall Risk Profile**:\\n - The individual has a good mix of credit types (credit cards, personal loans, auto loans) and a stable repayment track record. The absence of defaults and a good credit score contribute positively to the risk profile.\\n\\n### Default Risk Score Calculation\\n\\nBased on the analysis, we can assign a risk score as follows:\\n\\n- **Credit Score**: 20 points (Good)\\n- **Payment History**: 15 points (Excellent)\\n- **Repayment Patterns**: 10 points (Minor late payments)\\n- **Credit Utilization**: 10 points (Acceptable range)\\n- **Loan Burden Ratio**: 10 points (Manageable)\\n- **Credit Mix**: 10 points (Diverse)\\n- **Recent Inquiries**: 5 points (Low inquiries)\\n- **Overall Stability**: 10 points (Stable behavior)\\n\\n**Total Risk Score**: 20 + 15 + 10 + 10 + 10 + 10 + 5 + 10 = **100 points**\\n\\n**Risk Score**: **20/100** (where 100 is highest risk)\\n\\n### Recommendations\\n\\n1. **Maintain Good Payment Habits**: Continue to make payments on time to maintain the high payment history percentage.\\n2. **Monitor Credit Utilization**: Aim to keep credit utilization below 30% to further improve the credit profile.\\n3. **Limit New Credit Inquiries**: Avoid taking on new credit lines unless necessary to prevent additional inquiries that could impact the score.\\n4. **Consider Debt Repayment Strategies**: If possible, consider paying down existing loans faster to reduce the overall debt burden and improve the loan burden ratio.\\n5. **Regular Credit Monitoring**: Regularly check credit reports for accuracy and to stay informed about any changes in credit score or risk factors.\\n\\nOverall, the individual is in a good position with a low risk of default, but continued diligence in managing credit and\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"customer_info": {
"address": "123 Main St, City, State 12345",
"annual_income": 75000,
"customer_id": "CUST_12345",
"email": "john.doe@email.com",
"employment_status": "employed",
"full_name": "John Doe",
"loan_purpose": "home_purchase",
"phone": "+1-555-0123",
"requested_amount": 10000
},
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"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 10000}, \"missing_fields\": []}\n",
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"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 10000}, \"missing_fields\": []}\n",
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"ai_response": "### Final Recommendation: APPROVE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: 6.5% (fixed)\n- **Loan Term**: 5 years\n- **Monthly EMI**: Approximately $195.00\n- **Prepayment Penalty**: None\n- **Documentation Required**: Proof of income, employment verification, and updated KYC documents.\n\n#### Risk Mitigation Measures:\n1. **Monitoring**: Regularly monitor the applicant\u0027s credit score and financial behavior for any significant changes.\n2. **Financial Counseling**: Offer financial counseling to help the applicant understand the costs associated with home purchases and encourage them to save more for a larger down payment.\n3. **Emergency Fund Requirement**: Recommend that the applicant maintain an emergency fund equivalent to at least 3-6 months of their monthly expenses to ensure they can manage repayments in case of unforeseen circumstances.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall application quality score of 85. The only red flag is the low requested amount for a home purchase, which warrants further verification but does not disqualify the application.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% success rate, indicating that the applicant\u0027s identity and financial information are consistent and reliable.\n\n3. **Income Assessment**: The applicant has a stable income of $75,000 annually, with a debt-to-income ratio of 35.9%, which is below the acceptable threshold of 40%. This indicates that the applicant has sufficient income to manage the proposed loan payments.\n\n4. **Credit Score**: The applicant has a CIBIL score of 720, which is considered good. Although the risk category is high, the overall credit history shows a strong payment track record with 99% on-time payments. The applicant has a manageable loan burden ratio of 28%, indicating they can handle their current debt load.\n\n5. **Compliance**: The applicant is compliant with all regulatory requirements, with low KYC and AML risks. This further supports the decision to approve the loan.\n\n6. **Overall Risk Profile**: The applicant\u0027s overall risk profile is low, with strong financial discipline and a good mix of credit types. The absence of defaults and a stable repayment track record contribute positively to the risk assessment.\n\n#### Confidence Level: 85\nWhile there are some concerns regarding the low requested amount for a home purchase, the applicant\u0027s overall financial stability, creditworthiness, and compliance status provide a strong basis for approval. The confidence level reflects a solid belief in the applicant\u0027s ability to repay the loan, with a recommendation for ongoing monitoring and support.",
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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**: 6.5% (fixed)\n- **Loan Term**: 5 years\n- **Monthly EMI**: Approximately $195.00\n- **Prepayment Penalty**: None\n- **Documentation Required**: Proof of income, employment verification, and updated KYC documents.\n\n#### Risk Mitigation Measures:\n1. **Monitoring**: Regularly monitor the applicant\u0027s credit score and financial behavior for any significant changes.\n2. **Financial Counseling**: Offer financial counseling to help the applicant understand the costs associated with home purchases and encourage them to save more for a larger down payment.\n3. **Emergency Fund Requirement**: Recommend that the applicant maintain an emergency fund equivalent to at least 3-6 months of their monthly expenses to ensure they can manage repayments in case of unforeseen circumstances.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall application quality score of 85. The only red flag is the low requested amount for a home purchase, which warrants further verification but does not disqualify the application.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% success rate, indicating that the applicant\u0027s identity and financial information are consistent and reliable.\n\n3. **Income Assessment**: The applicant has a stable income of $75,000 annually, with a debt-to-income ratio of 35.9%, which is below the acceptable threshold of 40%. This indicates that the applicant has sufficient income to manage the proposed loan payments.\n\n4. **Credit Score**: The applicant has a CIBIL score of 720, which is considered good. Although the risk category is high, the overall credit history shows a strong payment track record with 99% on-time payments. The applicant has a manageable loan burden ratio of 28%, indicating they can handle their current debt load.\n\n5. **Compliance**: The applicant is compliant with all regulatory requirements, with low KYC and AML risks. This further supports the decision to approve the loan.\n\n6. **Overall Risk Profile**: The applicant\u0027s overall risk profile is low, with strong financial discipline and a good mix of credit types. The absence of defaults and a stable repayment track record contribute positively to the risk assessment.\n\n#### Confidence Level: 85\nWhile there are some concerns regarding the low requested amount for a home purchase, the applicant\u0027s overall financial stability, creditworthiness, and compliance status provide a strong basis for approval. The confidence level reflects a solid belief in the applicant\u0027s ability to repay the loan, with a recommendation for ongoing monitoring and support.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: APPROVE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: 6.5% (fixed)\\n- **Loan Term**: 5 years\\n- **Monthly EMI**: Approximately $195.00\\n- **Prepayment Penalty**: None\\n- **Documentation Required**: Proof of income, employment verification, and updated KYC documents.\\n\\n#### Risk Mitigation Measures:\\n1. **Monitoring**: Regularly monitor the applicant\u0027s credit score and financial behavior for any significant changes.\\n2. **Financial Counseling**: Offer financial counseling to help the applicant understand the costs associated with home purchases and encourage them to save more for a larger down payment.\\n3. **Emergency Fund Requirement**: Recommend that the applicant maintain an emergency fund equivalent to at least 3-6 months of their monthly expenses to ensure they can manage repayments in case of unforeseen circumstances.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall application quality score of 85. The only red flag is the low requested amount for a home purchase, which warrants further verification but does not disqualify the application.\\n \\n2. **Document Verification**: All documents have been verified successfully with a 100% success rate, indicating that the applicant\u0027s identity and financial information are consistent and reliable.\\n\\n3. **Income Assessment**: The applicant has a stable income of $75,000 annually, with a debt-to-income ratio of 35.9%, which is below the acceptable threshold of 40%. This indicates that the applicant has sufficient income to manage the proposed loan payments.\\n\\n4. **Credit Score**: The applicant has a CIBIL score of 720, which is considered good. Although the risk category is high, the overall credit history shows a strong payment track record with 99% on-time payments. The applicant has a manageable loan burden ratio of 28%, indicating they can handle their current debt load.\\n\\n5. **Compliance**: The applicant is compliant with all regulatory requirements, with low KYC and AML risks. This further supports the decision to approve the loan.\\n\\n6. **Overall Risk Profile**: The applicant\u0027s overall risk profile is low, with strong financial discipline and a good mix of credit types. The absence of defaults and a stable repayment track record contribute positively to the risk assessment.\\n\\n#### Confidence Level: 85\\nWhile there are some concerns regarding the low requested amount for a home purchase, the applicant\u0027s overall financial stability, creditworthiness, and compliance status provide a strong basis for approval. The confidence level reflects a solid belief in the applicant\u0027s ability to repay the loan, with a recommendation for ongoing monitoring and support.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"output": "### Final Recommendation: APPROVE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: $10,000\n- **Interest Rate**: 6.5% (fixed)\n- **Loan Term**: 5 years\n- **Monthly EMI**: Approximately $195.00\n- **Prepayment Penalty**: None\n- **Documentation Required**: Proof of income, employment verification, and updated KYC documents.\n\n#### Risk Mitigation Measures:\n1. **Monitoring**: Regularly monitor the applicant\u0027s credit score and financial behavior for any significant changes.\n2. **Financial Counseling**: Offer financial counseling to help the applicant understand the costs associated with home purchases and encourage them to save more for a larger down payment.\n3. **Emergency Fund Requirement**: Recommend that the applicant maintain an emergency fund equivalent to at least 3-6 months of their monthly expenses to ensure they can manage repayments in case of unforeseen circumstances.\n\n#### Reasoning for Decision:\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall application quality score of 85. The only red flag is the low requested amount for a home purchase, which warrants further verification but does not disqualify the application.\n \n2. **Document Verification**: All documents have been verified successfully with a 100% success rate, indicating that the applicant\u0027s identity and financial information are consistent and reliable.\n\n3. **Income Assessment**: The applicant has a stable income of $75,000 annually, with a debt-to-income ratio of 35.9%, which is below the acceptable threshold of 40%. This indicates that the applicant has sufficient income to manage the proposed loan payments.\n\n4. **Credit Score**: The applicant has a CIBIL score of 720, which is considered good. Although the risk category is high, the overall credit history shows a strong payment track record with 99% on-time payments. The applicant has a manageable loan burden ratio of 28%, indicating they can handle their current debt load.\n\n5. **Compliance**: The applicant is compliant with all regulatory requirements, with low KYC and AML risks. This further supports the decision to approve the loan.\n\n6. **Overall Risk Profile**: The applicant\u0027s overall risk profile is low, with strong financial discipline and a good mix of credit types. The absence of defaults and a stable repayment track record contribute positively to the risk assessment.\n\n#### Confidence Level: 85\nWhile there are some concerns regarding the low requested amount for a home purchase, the applicant\u0027s overall financial stability, creditworthiness, and compliance status provide a strong basis for approval. The confidence level reflects a solid belief in the applicant\u0027s ability to repay the loan, with a recommendation for ongoing monitoring and support.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: APPROVE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: $10,000\\n- **Interest Rate**: 6.5% (fixed)\\n- **Loan Term**: 5 years\\n- **Monthly EMI**: Approximately $195.00\\n- **Prepayment Penalty**: None\\n- **Documentation Required**: Proof of income, employment verification, and updated KYC documents.\\n\\n#### Risk Mitigation Measures:\\n1. **Monitoring**: Regularly monitor the applicant\u0027s credit score and financial behavior for any significant changes.\\n2. **Financial Counseling**: Offer financial counseling to help the applicant understand the costs associated with home purchases and encourage them to save more for a larger down payment.\\n3. **Emergency Fund Requirement**: Recommend that the applicant maintain an emergency fund equivalent to at least 3-6 months of their monthly expenses to ensure they can manage repayments in case of unforeseen circumstances.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: The application is complete and accurate, with no missing fields and a high overall application quality score of 85. The only red flag is the low requested amount for a home purchase, which warrants further verification but does not disqualify the application.\\n \\n2. **Document Verification**: All documents have been verified successfully with a 100% success rate, indicating that the applicant\u0027s identity and financial information are consistent and reliable.\\n\\n3. **Income Assessment**: The applicant has a stable income of $75,000 annually, with a debt-to-income ratio of 35.9%, which is below the acceptable threshold of 40%. This indicates that the applicant has sufficient income to manage the proposed loan payments.\\n\\n4. **Credit Score**: The applicant has a CIBIL score of 720, which is considered good. Although the risk category is high, the overall credit history shows a strong payment track record with 99% on-time payments. The applicant has a manageable loan burden ratio of 28%, indicating they can handle their current debt load.\\n\\n5. **Compliance**: The applicant is compliant with all regulatory requirements, with low KYC and AML risks. This further supports the decision to approve the loan.\\n\\n6. **Overall Risk Profile**: The applicant\u0027s overall risk profile is low, with strong financial discipline and a good mix of credit types. The absence of defaults and a stable repayment track record contribute positively to the risk assessment.\\n\\n#### Confidence Level: 85\\nWhile there are some concerns regarding the low requested amount for a home purchase, the applicant\u0027s overall financial stability, creditworthiness, and compliance status provide a strong basis for approval. The confidence level reflects a solid belief in the applicant\u0027s ability to repay the loan, with a recommendation for ongoing monitoring and support.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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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"
},
"execution_details": {
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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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"next_steps": [
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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_assessment\": {\n \"income_stability\": {\n \"assessment\": \"Stable\",\n \"details\": {\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 }\n },\n \"debt_servicing_capability\": {\n \"assessment\": \"Adequate\",\n \"details\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"proposed_emi\": 41.67\n }\n },\n \"financial_discipline\": {\n \"assessment\": \"Strong\",\n \"details\": {\n \"financial_discipline_score\": 85.5,\n \"account_balance_trend\": \"stable\",\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true\n }\n },\n \"risk_factors\": {\n \"assessment\": \"Low\",\n \"details\": {\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true,\n \"job_stability_score\": 88.5,\n \"employer_rating\": \"A+\"\n }\n },\n \"recommendations\": [\n \"Continue maintaining current employment and financial discipline.\",\n \"Consider increasing savings to further improve financial stability.\",\n \"Monitor any changes in income or expenses to maintain a healthy debt-to-income ratio.\"\n ],\n \"overall_income_adequacy_score\": 88\n }\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_assessment\": {\n \"income_stability\": {\n \"assessment\": \"Stable\",\n \"details\": {\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 }\n },\n \"debt_servicing_capability\": {\n \"assessment\": \"Adequate\",\n \"details\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"proposed_emi\": 41.67\n }\n },\n \"financial_discipline\": {\n \"assessment\": \"Strong\",\n \"details\": {\n \"financial_discipline_score\": 85.5,\n \"account_balance_trend\": \"stable\",\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true\n }\n },\n \"risk_factors\": {\n \"assessment\": \"Low\",\n \"details\": {\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true,\n \"job_stability_score\": 88.5,\n \"employer_rating\": \"A+\"\n }\n },\n \"recommendations\": [\n \"Continue maintaining current employment and financial discipline.\",\n \"Consider increasing savings to further improve financial stability.\",\n \"Monitor any changes in income or expenses to maintain a healthy debt-to-income ratio.\"\n ],\n \"overall_income_adequacy_score\": 88\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_assessment\\\": {\\n \\\"income_stability\\\": {\\n \\\"assessment\\\": \\\"Stable\\\",\\n \\\"details\\\": {\\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 }\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"assessment\\\": \\\"Adequate\\\",\\n \\\"details\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"proposed_emi\\\": 41.67\\n }\\n },\\n \\\"financial_discipline\\\": {\\n \\\"assessment\\\": \\\"Strong\\\",\\n \\\"details\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"salary_credits_consistent\\\": true\\n }\\n },\\n \\\"risk_factors\\\": {\\n \\\"assessment\\\": \\\"Low\\\",\\n \\\"details\\\": {\\n \\\"discrepancies_found\\\": false,\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"returns_filed_consistently\\\": true,\\n \\\"job_stability_score\\\": 88.5,\\n \\\"employer_rating\\\": \\\"A+\\\"\\n }\\n },\\n \\\"recommendations\\\": [\\n \\\"Continue maintaining current employment and financial discipline.\\\",\\n \\\"Consider increasing savings to further improve financial stability.\\\",\\n \\\"Monitor any changes in income or expenses to maintain a healthy debt-to-income ratio.\\\"\\n ],\\n \\\"overall_income_adequacy_score\\\": 88\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
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"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"income_assessment\": {\n \"income_stability\": {\n \"assessment\": \"Stable\",\n \"details\": {\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 }\n },\n \"debt_servicing_capability\": {\n \"assessment\": \"Adequate\",\n \"details\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"proposed_emi\": 41.67\n }\n },\n \"financial_discipline\": {\n \"assessment\": \"Strong\",\n \"details\": {\n \"financial_discipline_score\": 85.5,\n \"account_balance_trend\": \"stable\",\n \"bounced_transactions\": 0,\n \"irregular_transactions\": false,\n \"salary_credits_consistent\": true\n }\n },\n \"risk_factors\": {\n \"assessment\": \"Low\",\n \"details\": {\n \"discrepancies_found\": false,\n \"tax_compliance_score\": 92.0,\n \"returns_filed_consistently\": true,\n \"job_stability_score\": 88.5,\n \"employer_rating\": \"A+\"\n }\n },\n \"recommendations\": [\n \"Continue maintaining current employment and financial discipline.\",\n \"Consider increasing savings to further improve financial stability.\",\n \"Monitor any changes in income or expenses to maintain a healthy debt-to-income ratio.\"\n ],\n \"overall_income_adequacy_score\": 88\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_assessment\\\": {\\n \\\"income_stability\\\": {\\n \\\"assessment\\\": \\\"Stable\\\",\\n \\\"details\\\": {\\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 }\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"assessment\\\": \\\"Adequate\\\",\\n \\\"details\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"proposed_emi\\\": 41.67\\n }\\n },\\n \\\"financial_discipline\\\": {\\n \\\"assessment\\\": \\\"Strong\\\",\\n \\\"details\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"bounced_transactions\\\": 0,\\n \\\"irregular_transactions\\\": false,\\n \\\"salary_credits_consistent\\\": true\\n }\\n },\\n \\\"risk_factors\\\": {\\n \\\"assessment\\\": \\\"Low\\\",\\n \\\"details\\\": {\\n \\\"discrepancies_found\\\": false,\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"returns_filed_consistently\\\": true,\\n \\\"job_stability_score\\\": 88.5,\\n \\\"employer_rating\\\": \\\"A+\\\"\\n }\\n },\\n \\\"recommendations\\\": [\\n \\\"Continue maintaining current employment and financial discipline.\\\",\\n \\\"Consider increasing savings to further improve financial stability.\\\",\\n \\\"Monitor any changes in income or expenses to maintain a healthy debt-to-income ratio.\\\"\\n ],\\n \\\"overall_income_adequacy_score\\\": 88\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\"}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "income_assessment"
},
"internal_policy_check": {
"age_criteria_met": true,
"credit_score_threshold_met": true,
"employment_criteria_met": true,
"exceptions_required": [],
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.496104,
"end_time": "2025-07-15T12:56:04.931937",
"message_sent": true,
"start_time": "2025-07-15T12:56:04.435833",
"timestamp": "2025-07-15T12:56:04.931937",
"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": 0.332645,
"end_time": "2025-07-15T12:56:03.876049",
"message_sent": true,
"start_time": "2025-07-15T12:56:03.543404",
"timestamp": "2025-07-15T12:56:03.876049",
"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": 0.352285,
"end_time": "2025-07-15T12:56:04.492691",
"message_sent": true,
"start_time": "2025-07-15T12:56:04.140406",
"timestamp": "2025-07-15T12:56:04.492691",
"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": 0.001968,
"ended_at": "2025-07-15T12:56:08.950305",
"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\": 0.001968, \"started_at\": \"2025-07-15T12:56:08.948337\", \"ended_at\": \"2025-07-15T12:56:08.950305\"}",
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},
"duration_seconds": 0.432059,
"end_time": "2025-07-15T12:56:09.286641",
"message_sent": true,
"start_time": "2025-07-15T12:56:08.854582",
"timestamp": "2025-07-15T12:56:09.286641",
"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\": 0.001968, \"started_at\": \"2025-07-15T12:56:08.948337\", \"ended_at\": \"2025-07-15T12:56:08.950305\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-15T12:56:08.948337",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"validate_application_fields": {
"completion_percentage": 100.0,
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},
"duration_seconds": 0.230636,
"end_time": "2025-07-15T12:55:25.426309",
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"timestamp": "2025-07-15T12:55:25.426309",
"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,
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},
"duration_seconds": 0.49375,
"end_time": "2025-07-15T12:55:31.970620",
"message_sent": true,
"start_time": "2025-07-15T12:55:31.476870",
"timestamp": "2025-07-15T12:55:31.970620",
"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,
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},
"duration_seconds": 0.809502,
"end_time": "2025-07-15T12:55:32.378007",
"message_sent": true,
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"timestamp": "2025-07-15T12:55:32.378007",
"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": 0.554674,
"end_time": "2025-07-15T12:55:35.742073",
"message_sent": true,
"start_time": "2025-07-15T12:55:35.187399",
"timestamp": "2025-07-15T12:55:35.742073",
"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": 0.390894,
"end_time": "2025-07-15T12:55:31.829787",
"message_sent": true,
"start_time": "2025-07-15T12:55:31.438893",
"timestamp": "2025-07-15T12:55:31.829787",
"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": 0.695315,
"end_time": "2025-07-15T12:55:32.219269",
"message_sent": true,
"start_time": "2025-07-15T12:55:31.523954",
"timestamp": "2025-07-15T12:55:32.219269",
"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": 0.645361,
"end_time": "2025-07-15T12:55:35.615322",
"message_sent": true,
"start_time": "2025-07-15T12:55:34.969961",
"timestamp": "2025-07-15T12:55:35.615322",
"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": 0.001968,
"ended_at": "2025-07-15T12:56:08.950305",
"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\": 0.001968, \"started_at\": \"2025-07-15T12:56:08.948337\", \"ended_at\": \"2025-07-15T12:56:08.950305\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.432059,
"end_time": "2025-07-15T12:56:09.286641",
"message_sent": true,
"start_time": "2025-07-15T12:56:08.854582",
"timestamp": "2025-07-15T12:56:09.286641",
"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\": 0.001968, \"started_at\": \"2025-07-15T12:56:08.948337\", \"ended_at\": \"2025-07-15T12:56:08.950305\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
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"started_at": "2025-07-15T12:56:08.948337",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
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"validate_application_fields": {
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"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.230636,
"end_time": "2025-07-15T12:55:25.426309",
"message_sent": true,
"start_time": "2025-07-15T12:55:25.195673",
"timestamp": "2025-07-15T12:55:25.426309",
"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": 0.49375,
"end_time": "2025-07-15T12:55:31.970620",
"message_sent": true,
"start_time": "2025-07-15T12:55:31.476870",
"timestamp": "2025-07-15T12:55:31.970620",
"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": 0.809502,
"end_time": "2025-07-15T12:55:32.378007",
"message_sent": true,
"start_time": "2025-07-15T12:55:31.568505",
"timestamp": "2025-07-15T12:55:32.378007",
"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": 0.554674,
"end_time": "2025-07-15T12:55:35.742073",
"message_sent": true,
"start_time": "2025-07-15T12:55:35.187399",
"timestamp": "2025-07-15T12:55:35.742073",
"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": 0.390894,
"end_time": "2025-07-15T12:55:31.829787",
"message_sent": true,
"start_time": "2025-07-15T12:55:31.438893",
"timestamp": "2025-07-15T12:55:31.829787",
"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": 0.695315,
"end_time": "2025-07-15T12:55:32.219269",
"message_sent": true,
"start_time": "2025-07-15T12:55:31.523954",
"timestamp": "2025-07-15T12:55:32.219269",
"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": 0.645361,
"end_time": "2025-07-15T12:55:35.615322",
"message_sent": true,
"start_time": "2025-07-15T12:55:34.969961",
"timestamp": "2025-07-15T12:55:35.615322",
"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
}
}