Underwriting policy decides clear applications, refers the rest

Applications sit in a checklist or rules buried in your origination system. Decisimo automates clear credit decisions in one call and refers the rest to an underwriter.

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From application to the underwriter’s decision

  1. Send application

  2. Run the policy

  3. Return decision

  4. Send referral

  5. Prepare the case

  6. Underwriter decides

  7. Post the decision

Clear applications decided in one call

  • Knock-outA match ends the call before later rules and data calls run
  • Data sourcesThey run together. A failed source leaves an error flag for the rules
  • Decision and reasonEach table row can write both into the response

Explore the decision engine

Decision table shows knock-out, debt-to-income, score and factors rows producing approve, refer or decline with reasons
The Underwriting decision table declines a knock-out, approves within policy and refers missing factors in a demo case.

A referral reaches the underwriter with the work done

  • Case referenceThe lender’s system sends it to a case type, which opens the case
  • Payslip readingA document task makes text. A model task reads figures from it
  • Underwriter decisionThe underwriter completes the role inbox form. Decisimo posts the decision back

Explore case work

Referral flow from lender application A-2291 through a loan case to the underwriter’s inbox and callback decision
The lender’s system sends A-2291 to a loan referral case, then Decisimo posts the underwriter’s decision back.

The credit team changes the policy

  • Policy editsEach save creates a revision across rule sets, tables, scorecards and functions
  • Compare decisionsRun the same applications through both policies. Decisimo lists changed decisions
  • New releaseAn endpoint can carry role sign-off before deployment

Explore credit policy management

What stays in the lender’s systems

  • Applicant portalThe lender collects applicant documents through its own systems
  • Applicant servicesE-signature, identity verification and disbursement stay with the lender
  • Applicant messagesThe lender’s systems send messages to the applicant

Questions we get asked

What is automated underwriting?

Automated underwriting is a credit policy expressed as decision logic that approves or declines applications it can decide and refers the rest for underwriter review. Decisimo runs that policy in one call, and the lender's system sends referrals to a case for an underwriter.

Can automated underwriting replace my loan origination system?

The lender’s system sends applications and referrals, and keeps applicant services such as document collection, e-signature and disbursement. Read about moving from a manual checklist

Can I use my own underwriting model?

A model trained in Python, R or Julia can be uploaded and called in a decision flow. A model task can also read figures from payslip text on a case.

Put your underwriting policy into decision logic

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