AI READINESS
Governed AI for the work before underwriting.
CreditOS uses AI to coordinate intake, documents, stips, explanations, and memo preparation — not to replace credit judgment.
COGNITIVE LAYER
What AI does.
- check_circleClassify documents
- check_circleExtract key fields
- check_circleIdentify missing items
- check_circleSummarize readiness blockers
- check_circleDraft broker follow-up
- check_circleExplain deterministic policy findings
- check_circleDraft memo sections
- check_circleHighlight inconsistencies
BOUNDARY LAYER
What AI does not do.
- cancelApprove a loan
- cancelDecline a loan
- cancelOverride policy
- cancelChange DSCR
- cancelPublish policy
- cancelApprove exceptions
- cancelSend sensitive external communication without approval
- cancelReplace the underwriter
Agents assist. Deterministic services and humans own credit outcomes.
Credit-critical outputs — DSCR, global cash flow, policy pass/fail, readiness gates, and approvals — remain deterministic, versioned, and auditable.