Financial Services agent

Loan-file review

Check loan files for completeness and policy exceptions before underwriting touches them.

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What it does

The agent checks each file against your checklist and credit policy, flags missing documents and exceptions, and routes the file with its findings attached.

Without it: Incomplete files bounce between teams, and policy exceptions surface late in underwriting.

Flags documents that are present but stale, not only ones that are missing
Separates hard policy exceptions from checklist gaps a processor can close
Re-checks the file on resubmission and shows what changed since the last pass
Findings post to the origination record, so the file travels with them

Illustrative example

File LN-2026-4471 comes back from processing carrying a 62-day-old appraisal and an LTV of 84% against a policy ceiling of 80%. The agent marks the appraisal stale, records the LTV as a hard policy exception with the section it breaches, and routes the file to underwriting with both findings on the origination record. The underwriter decides whether to order a fresh appraisal or take the exception upstairs.

Reads

LOS

File status, resubmissions

Document store

Appraisals, income docs

Credit policy

Ceilings, exception rules

Runs

Loan-file review

Suggest

Starts when

A file is submitted for underwriting