underwriting-agent
An open-source AI agent for credit approval built on LangGraph. It adopts an architecture in which deterministic risk ceilings override the model's probabilistic outputs, and is intended for automated approval in financial credit scenarios.
Timeline (last 90 days)
The author of the open-source project underwriting-agent is shadrach temitayo, and the project was shared on Dev.to.
underwriting-agent is a credit approval agent based on LangGraph, released under the MIT open-source license.
The agent uses a risk ceiling implemented in pure code to override the output of all models: no matter how confident the model is, as long as the risk threshold defined in the code is touched, the approval will be forcibly blocked.
This design separates deterministic safety constraints from probabilistic model reasoning: the model is responsible for understanding the materials, extracting features, and generating an assessment opinion, while the final veto power rests in code logic that cannot be altered by prompts.
The agent's rule layer independently checks key indicators such as the debt-to-income ratio, the minimum credit score, and the maximum loan amount; if any indicator breaches a preset threshold, the approval result will be forcibly changed to rejection or referral for manual review.
The project code is hosted at github.com/shadrach-tayo/underwriting-agent.
All Facts (6)
The author of the open-source project underwriting-agent is shadrach temitayo, and the project was shared on Dev.to.
50%Unverifiedunderwriting-agent is a credit approval agent based on LangGraph, released under the MIT open-source license.
50%UnverifiedThe agent uses a risk ceiling implemented in pure code to override the output of all models: no matter how confident the model is, as long as the risk threshold defined in the code is touched, the approval will be forcibly blocked.
50%UnverifiedThis design separates deterministic safety constraints from probabilistic model reasoning: the model is responsible for understanding the materials, extracting features, and generating an assessment opinion, while the final veto power rests in code logic that cannot be altered by prompts.
50%UnverifiedThe agent's rule layer independently checks key indicators such as the debt-to-income ratio, the minimum credit score, and the maximum loan amount; if any indicator breaches a preset threshold, the approval result will be forcibly changed to rejection or referral for manual review.
50%UnverifiedThe project code is hosted at github.com/shadrach-tayo/underwriting-agent.
50%