AIP Use Case: Credit Check AI Agent
Credit Check AI Agent streamlines the credit assessment process by turning conversational requests into end-to-end evaluations. Through natural language, analysts and loan officers can pull applicant data, verify identity and revenues, retrieve bureau reports, run risk models, and produce approval recommendations—without switching between multiple systems.
Powered by QueryPie AI’s AI Platform (AIP) and Model Context Protocol (MCP) integrations, the agent connects to KYC/AML services, revenue verification APIs, credit bureaus, banking transaction data, and internal policy engines. It explains the rationale behind recommendations—key metrics, red flags, and policy thresholds—and can route borderline cases for manual review while maintaining full audit trails for compliance.
Key capabilities include:
- Applicant data aggregation
- Fetch bureau scores, trade lines, utilization, delinquencies, and public records; verify identity and revenues
- Policy-aligned scoring
- Apply internal credit policies and risk thresholds with transparent reasoning and factor contributions
- Fraud and compliance checks
- Run KYC/AML screens, PEP/sanctions checks, device/IP risk, and document authenticity validations
- Decision workflows
- Auto-approve/decline within configured guardrails; escalate edge cases with supporting evidence
- Reporting and explainability
- Generate decision memos with score breakdowns, adverse action reasons, and audit-ready logs
This use case reduces time-to-decision, improves consistency, and enhances regulatory readiness. Loan teams gain rapid evaluations with traceable logic, while risk and compliance teams retain centralized control through QueryPie AIP’s permissioning, approvals, and comprehensive auditing.