AI Underwriting - Income Focused Underwriting Tool

I built an underwriting tool using AI - Claude

trained off historical loan performance and loss analysis

but the primary decision factor is income performance after loan loss

what did the loan, and others that looked like it, actually produce, even when it went bad

Trying to figure out the real use case

training for underwriters so they can see patterns from past loan loss and past income generation?

thought guiding while you underwrite, pulling up similar profiles and outcomes?

first net catch on applications to save time before deep diving?

Main thing I keep coming back to

how do we see past the ratios with a tool

DTI, score, all the usual stuff, useful but it hides the story

LSCI, “see what no one else sees”

how do you build that without making it a black box - or is this better because it is real performance? I have a hard time accepting that, but worth thinking about

I built in score codes

prompts that force one step further

what to look at next

why this file is different than it looks

where the risk actually shows up

where the opportunity hides too

Still early

still testing it against old deals and comparing to current loans being underwritten to see where it differs from underwriting decisions

still letting it evolve

Let’s see where it goes