Underwriter agent: a co-pilot for risk teams

For every application the agent prepares a decision, a limit and terms, and explains which factors drove them. Underwriters review the draft instead of starting from scratch.

See a draft decision
lendhero Underwriter agent software interface
Drafts
for every application
Reasons
behind every decision
Minutes
saved per file
People
keep the final decision

Where it sits in the loan lifecycle

  1. Onboarding
  2. KYC
  3. Decisioning
  4. Origination
  5. Disbursement
  6. Servicing
  7. Repayments
  8. Collection

Capabilities

A first draft for every credit file

Draft decision

Approve, decline or counter-offer with a limit.

Reasons

Which factors drove the draft, in plain words.

Affordability

Payment as a share of verified income.

All the data

Bureau, bank data and history in one view.

Questions answered

Ask why, and get the numbers.

Final say

Underwriters approve or change the draft.

How it works

From file to decision in minutes

  1. 01CollectData from bureau, bank and history.
  2. 02AnalyseAffordability and risk factors.
  3. 03DraftA decision, limit and terms.
  4. 04ExplainReasons in plain words.
  5. 05ReviewThe underwriter decides.

Counter-offers

Not just yes or no, the right offer

When the requested amount is too high, the agent proposes the amount and term the borrower can afford.

  • Affordable amountWithin your limits.
  • Better take-upFewer declines, more good loans.
Not just yes or no, the right offer: lendhero interface

Works together with

Related modules

Credit decisioningThe engine the agent works with.
ML scoringRisk models behind the grade.
Document reader agentVerified data for the draft.

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Does the agent approve loans on its own?+

Only within limits you set; above them it prepares a draft for an underwriter.

How does it explain decisions?+

Each draft decision lists the facts and rules behind it in plain words, so the underwriter can check them quickly.

Which data does it use?+

The application, bureau reports, bank statements, documents and your own rules, only within the rights you give it.

Can underwriters change the draft?+

Yes. The agent only proposes; underwriters accept, edit or reject the draft.

Is every draft logged?+

Yes. Each draft is saved next to the final decision and the person who made it.

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  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

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