Loan Scoring Workflow - Quick Start Guide¶

What It Does¶

An interactive AI-guided workflow that helps staff evaluate loan applications by collecting customer info, selecting a product, entering the loan amount, and calculating the credit score.

How to Use¶

Simple Example¶

You: "I want to do a loan scoring for customer 123"
AI: "Customer found: John Doe. Now select a loan product."
You: "Use product 5"
AI: Shows product details and asks for amount
You: "They want to borrow 50000"
AI: "Amount confirmed. Calculating score..."
AI: "Score: 750 (LOW risk). Recommendation: APPROVED ✓"

All-in-One Example¶

You: "Check if customer 456 qualifies for product 7 with amount 75000"
AI: Validates customer, product, and amount
AI: Calculates and returns score with recommendation

Workflow Steps¶

Search Customer
Validates customer exists
Checks if blacklisted
Shows customer name
Select Product
Shows product details
Displays interest rate and limits
Confirms selection
Enter Amount
Validates against min/max for product
Shows approved amount
Ready for scoring
Calculate Score
Runs credit scoring algorithm
Returns score (0-1000)
Shows risk level (LOW/MEDIUM/HIGH)
Provides recommendation (APPROVED/REVIEW/REJECT)

Output Interpretation¶

Score Ranges¶

700-1000: LOW risk → APPROVED
500-699: MEDIUM risk → REVIEW
0-499: HIGH risk → REJECT

Risk Levels¶

LOW: Good repayment history, stable income, low exposure
MEDIUM: Acceptable but has some concerns
HIGH: Multiple red flags, high risk

Recommendations¶

APPROVED: Proceed with loan application
REVIEW: Manual review recommended
REJECT: Not recommended for lending

Common Scenarios¶

✓ Successful Scoring¶

Customer: 123 (John Doe)
Product: Personal Loan
Amount: 50,000
Score: 780 (LOW) → APPROVED

✗ Customer Not Found¶

You: "Score for customer 999"
AI: "Customer 999 not found. Try a different ID."

✗ Blacklisted Customer¶

You: "Score for customer 567"
AI: "Customer 567 is blacklisted and cannot apply."

✗ Amount Out of Range¶

You: "Amount of 1,000,000"
AI: "Product limit is 500,000. Please enter a valid amount."

Quick Commands¶

Intent	Command
Start scoring	"Loan scoring for customer [ID]"
Skip ahead	"Use product [ID] and amount [amount]"
See products	"List loan products"
Check customer	"Find customer [ID]"
Check blacklist	"Is customer [ID] blacklisted?"

Tips¶

Have customer ID ready - Makes the process faster
Know the product - Use "List loan products" to see options first
Realistic amounts - Check product limits before requesting amount
Review scores carefully - Understand what HIGH/MEDIUM/LOW means for your bank
Use for decisions - Score is a recommendation, not final decision

Troubleshooting¶

Problem	Solution
Customer not found	Verify customer ID is correct
Amount rejected	Check product min/max limits
Blacklisted customer	Check blacklist reason and date
Score seems wrong	Verify customer history is complete
Connection error	Try again, contact support if persistent

Next Steps After Scoring¶

Once you have the score: 1. If APPROVED: Proceed with loan application 2. If REVIEW: Investigate further or request more documents 3. If REJECT: Inform customer, suggest alternative products

Example Prompts¶

"Do a loan scoring for customer 123"
"Check if John qualifies for a 50k loan"
"Customer 456 wants to apply - run the scoring"
"I need to evaluate customer 789 for product 5"
"Score customer 234 for a 100000 loan"

Questions?¶

Ask the AI agent directly in the chat
Type "help loan scoring" for more details
Check the full documentation in LOAN_SCORING_WORKFLOW.md