Credit and lending checks you can audit
Extract the facts from an application pack, apply your lending rules, and send every exception to a credit officer. Each decision keeps a record of what was checked and who approved it.
The playbook in 54 seconds
What each agent checks and who decides the exceptions. All videos
What you can build for finance and lending
Credit assessment
Credit assessment reads a home loan application pack: payslips, bank statements and the contract of sale. It checks income verification, loan-to-value and debt-to-income against your policy, sends exceptions to a credit officer, and writes a credit decision summary.
Tested: clean set completed; 3 of 3 planted errors flagged.
View on the Docy AI marketplace →See the brief
Build an agent that reviews a home loan application pack against our lending policy. Extract applicant name, gross annual income, employer, payslip dates, loan amount, property value and existing monthly debts from the payslips, bank statements and contract of sale, and work out the loan-to-value and debt-to-income ratios. Check that income is verified by two recent payslips, the loan-to-value ratio is less than 80%, and debt-to-income is less than 6. If any check fails, send it to a credit officer for approval. Then write a short credit decision summary.
Loan documentation check
Loan documentation check reads the application form and the identity, income and disclosure documents. It checks every required document is present, signed, current and consistent, then sends gaps to the loan processor.
Tested: clean set completed; 3 of 3 planted errors flagged.
View on the Docy AI marketplace →See the brief
Build an agent that checks a loan application file is complete. From the application form, identity documents, income documents and the signed disclosure forms, extract the applicant name, document dates, signatures, ID expiry and the file review date. Check that every required document is present, every form is signed and dated, the identity document has not expired at the file review date, and the applicant name is the same on every document. If any check fails, send it to the loan processor to resolve. Then write a short completeness record.
Lending compliance review
Lending compliance review reads the credit assessment, application, offer letter and your delegated authority schedule. It checks ratios are within policy, the approver has authority for the amount and the offer matches the approved terms, then sends exceptions to the compliance officer.
Tested: clean set completed; 3 of 3 planted errors flagged.
View on the Docy AI marketplace →See the brief
Build an agent that checks a loan file against our lending policy before approval. From the credit assessment, the application, the offer letter and the delegated lending authority schedule, extract the loan amount, interest rate, term, loan-to-value ratio, debt-to-income ratio, approver and the approver's authority limit. Check that the ratios are within policy limits, the approver has the authority for this loan amount, and the offer letter terms match the approved terms. If any check fails, send it to the compliance officer for a decision. Then write a short compliance review for the file.
The brief is what you type into the Docy AI assistant. Agents tagged Open Docy can also be built by hand on the open-source canvas. Agents tagged Docy AI may need custom code, a knowledge list or a policy node, which Open Docy does not include.
Your rules. A person's decision. A record.
Send the application pack
Upload payslips, statements, contracts and forms.
Apply your lending policy
Your limits and rules are checked the same way every time. Any exception stops and goes to a named person.
Keep the record
Each run records what was found, the limit it was checked against and who approved it.
Be clear about the limits
- Agents apply your policy; they don't set it or make the credit decision.
- They don't pull credit bureau data or connect to a loan origination system.
- Nothing here is financial or investment advice.
- These agents check documents against rules you set. They do not replace the people who make the decision.
- We have tested these: each completed a clean test set and flagged the errors we planted in a flawed one. Test on your own files before relying on them.
Want to try one on your own finance and lending documents?
Tell us which documents you work with and which check would save you the most time.