Complete AI Training
Sign inGet my AI kit

Your job's AI kit

Get your AI kit

Tell us who you are and what you do. We show you your kit right away and email you the link: skills, prompts, AI agents, MCP servers and courses for your job.

500+ jobs ready, and we make a kit for any other job. No payment needed to look.

Share

AI agent for credit analysts

Past-Due Account Handoff Agent

Transfer each past-due loan with a complete, current file the collections team can use at once

Document handlingAutomationFinance
See how it worksGet access
Past-Due Account Handoff Agent: what goes in, what the agent does and what you get

What it does

When a loan goes 60 days past due, the collections team receives a thin folder and spends a week reconstructing the story. This agent identifies loans that pass the past-due threshold and compiles the payment history, every contact attempt, the collateral and guarantor information, and the insurance and lien status. It checks the file against a handoff checklist and flags what is missing, such as a lien search or the last borrower call note. It asks the analyst or the relationship manager for those items and rechecks. When the file is complete it drafts a handoff note summarizing the account, risk and next options. It rechecks the file just before transfer. The manager approves the transfer. Edge case: if a bankruptcy filing appears in the data, it stops the handoff and alerts the manager.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueYes, continueApprovedNoNo 1 STARTS WHEN Loan passes the past-due threshold 2 USES A TOOL Compile payment history, contacts, collateral andguarantors 3 USES A TOOL Check for bankruptcy or legal holds 4 CHECKS THE RESULT Is every checklist item present and current? If not: Ask the analyst or manager for missing items andreload. Back to step 2. 5 DOES Draft the handoff note with risk and options 6 USES A TOOL Recheck the file and balances just before transfer 7 CHECKS THE RESULT Is anything changed since the draft? If not: Update the note and recheck. Back to step 5. 8 YOU APPROVE Manager approves the transfer 9 DOES Send the file to collections and log the date 10 RESULT Transferred file and handoff log
Read the steps as a list
  1. Loan passes the past-due threshold
  2. Compile payment history, contacts, collateral and guarantors
  3. Check for bankruptcy or legal holds
  4. Is every checklist item present and current?If not: Ask the analyst or manager for missing items and reload. Back to step 2.
  5. Draft the handoff note with risk and options
  6. Recheck the file and balances just before transfer
  7. Is anything changed since the draft?If not: Update the note and recheck. Back to step 5.
  8. Manager approves the transferThe agent waits here for your OK.
  9. Send the file to collections and log the date
  10. Transferred file and handoff log

How it decides

It marks the file ready only when every checklist item is present and dated within 30 days. It stops on any bankruptcy or legal hold.

  • Hand off at 60 days past due or as the policy sets
  • Require items dated within 30 days
  • Stop on any bankruptcy or legal hold
  • Include every contact attempt with dates

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Past-due threshold (default 60 days)
  • File age limit (default 30 days)
  • Checklist items (default the collections form)
  • Notice to relationship manager (default email)

What keeps you in control

It always asks you first

  • Manager approves each transfer to collections

Hard limits

  • Never transfer a loan on its own
  • Never contact the borrower
  • Keep files within bank systems

It stops when

  • Done: File transferred and logged
  • Stop: Bankruptcy or legal hold found, so hand to the manager and legal

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensA $240,000 loan hits 61 days past due. The agent finds the lien search is 5 months old and the last call note is missing. The relationship manager supplies the call and orders a search. After the reload the check passes. The balance changes by $3,100 on transfer day, so the agent updates the note. The manager approves the handoff.

More agents for credit analysts

Document handling · Finance

Customer Credit File Preparation Agent

Every credit review starts from current, complete evidence.

9 steps1 check1 job
Risk management · Insurance

Application Versus External Data Agent

A short list of confirmed differences between the application and outside records, with evidence

9 steps1 check2 jobs
Risk management · Monitoring

Collateral and Insurance Verification Agent

Keep every collateral file current on valuation and insurance.

10 steps2 checks2 jobs
Risk management · Monitoring

Industry Risk Watch for Credit Portfolio Agent

Connect industry events to borrowers early and flag those at real risk.

10 steps1 check4 jobs