Loan Application File Completeness Agent

Loan applications need many documents and checks, and an incomplete file sent to underwriting comes back days later. When an application arrives, this agent loads the checklist for that loan product and the uploaded documents. It extracts names, income and addresses from each document and compares them with the application form and with each other. It flags anything missing, out of date or mismatched, and drafts requests to the customer for what is needed. When new documents arrive, it checks the file again until it is complete and consistent. It then prepares a submission summary for underwriting. The branch manager approves every file before it is sent. The agent never judges whether the loan should be granted; that stays with underwriting. Edge case: a self-employed applicant needs two years of tax returns, so the agent adds them to the checklist automatically.