Credit Policy Change Impact Agent

When credit policy changes, nobody knows how many existing loans and pipeline deals it touches until someone checks them one by one. This agent finds the effect. It compares the old and new policy and lists each changed rule, such as a lower maximum loan to value or a new industry limit. It turns each rule into a test and runs it over the portfolio and the pipeline. It lists loans that no longer meet a rule and pipeline deals that need changes. It checks its own tests by sampling a few loans by hand and fixes any misread rule before rerunning. The analyst and credit officer decide how to handle existing loans. Edge case: a rule applies only to new loans, so the agent keeps existing loans out of the exceptions list.