Loss Mitigation Automation Digital Worker

Core Logic

Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Manages the 8-phase workflow from case initialization through output generation. Coordinates parallel processing threads, routes tasks to specialized agents, maintains state across phases, and handles errors with recovery strategies. Tracks trace IDs for complete audit visibility.

Core Logic

Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Numerical examples are scenario inputs or illustrative outputs, not validated performance results. Applies OCR to extract text from uploaded documents, runs NER models to identify income values, employer information, and dates. Validates document authenticity using fraud detection patterns and cross-references extracted values with application data. Processes paystubs with 94% confidence on income extraction.

Core Logic

Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Calculates gross-to-net income ratios, analyzes employment tenure and income trends over 24 months, computes debt-to-income ratios using verified expenses. Integrates with Work Number for employment verification and determines income sustainability scores based on industry factors.

Core Logic

Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Runs logistic regression model (v3.2.1) for probability of default prediction using behavioral scorecards. Calculates loss given default based on LTV and property factors, generates composite risk scores from 12 weighted factors including payment history, income stability, and hardship type.

Core Logic

Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Evaluates cases against Fannie Mae, FHA, and proprietary modification guidelines using investor-specific rule engines. Performs waterfall analysis across 8+ programs to identify all eligible options with qualification scores. Documents met and unmet requirements with specific disqualifiers.

Core Logic

Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Computes NPV of modification versus foreclosure scenarios, optimizes payment reduction to Performance requires validation on representative workloads. Calculates expected investor return and breakeven periods. Provides alternative options (forbearance, repayment plan) with confidence scores.

Core Logic

Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Verifies CFPB loss mitigation timeline requirements (30-day response), performs fair lending analysis across demographic factors to prevent disparate impact. Checks RESPA complete application requirements, validates investor guidelines, and ensures state-specific notices (e.g., CA HBR) are triggered. Generates audit trail entries for regulatory examination.

Core Logic

Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Generates decision letters using templated content with case-specific terms. Drafts borrower emails for status updates, produces adverse action notices when required. Supports multi-language output and prepares specialist review summaries for escalated cases.