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Agent · Backlog

Workout Eligibility & Waterfall Agent

Evaluates a complete application against all applicable relief programs, ranks options by projected completion and re-default probability, and drafts proposed terms and a decision rationale for specialist approval.

Not yet specifiedAssistiveComplexity: High
This agent is in the backlog. Registered interest decides which agents are specified and prototyped next.

What it does

  • Run eligibility rules across GSE/FHA/VA/USDA/portfolio programs
  • Compute repayment capacity and NPV of options
  • Predict re-default per option
  • Structure plan terms (payment, duration, rate, deferral)
  • Draft decision letter and rationale
  • Run fair-lending consistency check

Systems and data it works with

  • Servicing platform
  • Loss mitigation decisioning
  • Investor reporting
  • Risk analytics (CECL)
  • Document generation