Industry
AI that checks a loan file against your own underwriting guidelines
A lender can train a company adapter on its own underwriting guidelines, condition lists, and letter templates, then add role adapters designed to draft for underwriters, loan officers, and processors. The adapter lists what is missing and drafts wording. People make every underwriting decision. The workflows below are illustrative.
Role workflows
- Illustrative workflow
Loan file check against guidelines
- What the company adapter carries
- The lender’s underwriting guidelines, its own overlays, document checklists, and condition lists.
- What the role adapter is designed to draft
- Compare a loan file with the guidelines and list missing documents and open conditions, each tied to the guideline section it comes from.
- Where people decide
- Underwriters decide every underwriting outcome. The list is a draft to work from, not a finding.
- Illustrative workflow
Borrower condition letters
- What the company adapter carries
- Letter templates the lender has approved, plain-language wording for common conditions, and its standard disclosures text.
- What the role adapter is designed to draft
- Draft a condition letter for a loan officer from the open-conditions list, using the approved templates.
- Where people decide
- The loan officer reviews, edits, and sends the letter. Whoever owns the templates approves the wording. The adapter sends nothing.
- Illustrative workflow
Processor questions
- What the company adapter carries
- The guideline set, product matrices, and processing procedures, as the lender has approved them.
- What the role adapter is designed to draft
- Answer a processor’s question in guideline language, name the section, and say so when the guidelines do not cover it.
- Where people decide
- Guideline owners approve the material. Underwriters settle anything the guidelines leave open.
Ask Gee about this industry
Gee is an AI demo and can be wrong. Don’t share confidential information. Conversations aren’t stored.
What to settle before starting
- Which material is approved. Pick the guideline versions that are current, including your own overlays. If you use guidelines licensed from an investor or other party, check the license terms on use before that material goes into training. Borrower files are customer data: decide in writing whether any file content may be used for training.
- What stays an internal draft. File checks, condition lists, and letters are internal drafts until a named person adopts them. Decide where drafts are stored and who can see them. A borrower should never receive model output that no one reviewed.
- Which reviews it must pass. Expect your own legal, compliance, model risk, and information security reviews, and any investor or partner requirements that apply. Gpodz Compute holds no independent security attestations today, and its legal documents are being finalized with counsel. The trust page lists each item.
Questions on this topic
Does the model approve or decline a loan?
No. It drafts and answers. Underwriters make every underwriting decision, and loan officers decide what goes to a borrower.
Can it follow our overlays and not just the published guidelines?
That is the design. The company adapter is trained on the material you approve, and your overlays can be part of it. Your reviewers test each version on examples you choose before it is used.
Do lenders use this today?
No. Gpodz Compute is pre-launch and has no customers yet. These workflows are illustrative, and what is available to your firm, and when, is confirmed in writing during scoping.
Bring one lending workflow.
Tell us the guidelines it relies on and who reviews the output. We will say how the layers would apply and what is available today.