credit-policy-interpretation

What problem does it solve?

This Skill translates complex and often conflicting credit policy documents into clear, actionable guidance, enabling loan officers to quickly understand eligibility criteria and structure compliant loans.

Core Features & Use Cases

• Policy Layering: Interprets base policies, investor overlays, and agency guidelines simultaneously.
• Eligibility Assessment: Evaluates borrower scenarios against detailed parameter matrices.
• Exception Guidance: Assists in preparing exception requests with documented compensating factors.
• Use Case: A loan officer needs to determine if a borrower with a 655 FICO and 46% DTI qualifies for a specific loan product. This Skill analyzes the scenario against base policy, agency guidelines, and investor overlays to identify the binding constraints and recommend a compliant structure or an exception request.

Quick Start

Explain the credit policy rules for a borrower with a 655 FICO, 46% DTI, and 90% LTV for a conventional 30-year loan.