My Role - Loan Officer

Story:

As a loan officer you want to quickly assess borrower financial health and risk indicators to make better-informed lending or modification decisions.

Loan officers often work under pressure to approve, deny, or modify loans while balancing credit risk, borrower needs, and regulatory requirements. You need borrower insights beyond credit score alone - including stress factors, local economic trends, and repayment likelihood - to make fair, responsible decisions.

Acceptance Criteria:

• The system provides a borrower profile summarizing income stressors, payment history, and recovery potential.

• Loan officers can compare borrowers against portfolio-wide risk benchmarks.

• Data is presented in a simple dashboard view within minutes.

Business Value:

• By equipping loan officers with richer borrower insights, the organization reduces default risk, increases loan portfolio quality, and strengthens borrower relationships through more personalized loan structuring.