◆ Supervised Specialist
Scores the borrower and the collateral together … credit, affordability, the vehicle's loan-to-value … and returns a tiered decision and rate to the dealer portal in seconds. Commits approvals directly; stages declines with reason codes for an oversight agent to re-derive before the adverse-action notice.
Memory
Working The application, bureau, collateral value, and pricing in progress.
Episodic The dealer's prior application quality; the borrower's history.
Semantic Auto credit policy, LTV + advance rules, ECOA/Reg B, rate sheets.
Store Feature store + decision ledger
Orchestration
pipeline MCPA2A
Harness · Managed Agents … fast session; decision rationale captured for the record.
Tools
{ } Credit bureau pull API { } Vehicle valuation feed API ›_ Pricing + policy engine Code exec { } Dealer portal (decision return) API ⇄ Adverse-action staging A2A
Evals & guardrails
- Fair-lending guardrail: disparate-impact testing across segments + dealers.
- Declines NEVER auto-commit … staged with reason codes for an oversight agent to re-derive and sign off.
- Dealer-fraud watch: anomalous application patterns route to Financial Crime.
- Champion/challenger before pricing or scorecard changes go live.
Offline reflection
Replays funded-loan performance by dealer + tier to spot drift in approval quality and flag dealers whose books underperform for an oversight agent to review.
Frontier edge
- ▲World-model simulation: simulates the deal's funding and likely-default path before returning a tier, pricing the collateral risk into the dealer decision in real time.
- ▲Causal reasoning: counterfactual LTV / affordability analysis, so a strong borrower on a depreciating vehicle is priced for what drives the risk.
- ▲Continual learning (eval-gated): online updates to dealer-quality signals from funded-loan performance, gated by disparate-impact testing before any pricing self-edit ships.
A sample run
Trigger Dealer submits a Saturday-afternoon application for a used SUV.
- 1Pull the bureau; value the vehicle and compute LTV.
- 2Run affordability + pricing against policy; land an approval tier.
- 3Return the decision and rate to the dealer portal with conditions.
Output Approval returned to the dealer in 90 seconds at a tier-2 rate; one thin-file applicant staged as a decline pending an oversight agent's re-derivation.
In numbers
38,000
Applications decisioned / day
median 84s
Dealer decision time
55%
Straight-through approval
Handoffs
Hands to → Auto Servicing & Title Agent
Across ⇢ Financial Crime → Fraud for dealer-channel anomalies