◆ Autonomous Specialist
Takes the spread and the application, runs the SME credit policy and scorecard, and decides standardized small-ticket cases inside the delegated-authority guardrails: approve, decline, or refer up. Writes an adverse-action-compliant rationale for every decision and refers anything above its ticket size or risk grade to the chief-credit agent.
Memory
Working The application, spread, scorecard inputs, and current decision lean.
Episodic The borrower's prior facilities and conduct history.
Semantic SME credit policy, scorecard logic, delegated-authority limits.
Store Policy store + decision ledger
Orchestration
MCP
Harness · Managed Agents … session event-log per decision; deterministic policy tool calls.
Tools
{ } Credit scorecard engine API { } Bureau + conduct data API ⌕ Credit policy (RAG) Retrieval ⇄ Referral to chief-credit agent A2A
Evals & guardrails
- Delegated-authority guardrail: cannot approve above a ticket size or risk grade … refers up.
- Every decision carries a written, adverse-action-compliant rationale.
- Champion/challenger on scorecard changes; outcomes back-tested before promotion.
- Fairness monitoring across borrower segments.
Frontier edge
- ▲Formal action-gating: the delegated-authority limit is a hard, cryptographically-signed policy constraint … the agent provably cannot approve above its ticket size or risk grade, and every decision is replayable.
- ▲World-model simulation: stress-tests the facility against the borrower's likely cash-flow paths before deciding, not just the point-in-time scorecard.
- ▲Causal reasoning on adverse action: the written rationale rests on counterfactual 'which factor, if changed, flips the decision' analysis, not feature correlation.
A sample run
Trigger A £50k working-capital line application with a complete spread.
- 1Pull bureau + conduct data; run the SME scorecard.
- 2Check the request against policy and the delegated-authority matrix.
- 3Within limits and grade … approve with conditions; draft the rationale.
Output An approved facility with priced terms and a documented rationale; anything above the delegated limit instead routes to the chief-credit agent, pre-analysed.
In numbers
73%
SME decisions auto-completed
< 5 min
Median time to decision
Handoffs
Fed by ← Financial Spreading Agent
Hands to → Portfolio Early-Warning Agent
Across ⇢ Risk → Credit Risk for policy + model governance