Loan Origination Decision
Regulatory anchor: MaRisk BTO 1 + CRR / CRD IV
End-to-end loan origination workflow with regulatory citations baked in. The network pulls KYC, runs an internal-rating PD, runs an affordability calculation against household-budget guidelines, checks each policy rule with its MaRisk BTO 1 reference, and produces a GO / CONDITIONAL / DECLINE decision with the legal basis for every step. Audit-ready by default.
Agent topology
3 levels · 6 agentsOrchestrates the origination sequence, enforces ordering (eligibility before risk), and assembles the decision package.
Gates the application. Runs KYC and the bureau pull in parallel; hard-stops the workflow if either returns a red flag.
Confirms identity, screens against sanctions and PEP lists, validates source-of-funds documentation.
credit.kyc_pullPulls the credit bureau report (Schufa or equivalent) and the internal rating. Returns score, recent hard inquiries, prior delinquencies.
credit.bureau_scoreOwns affordability + policy. Runs the affordability stress-test, then walks every MaRisk BTO 1 origination rule.
Computes debt-service-to-income ratio against the bank's affordability policy. Stress-tests at +200 bps and unemployment scenario.
credit.affordability_checkWalks each origination policy rule from the bank's MaRisk BTO 1 framework. Returns pass / fail per rule with the policy reference.
credit.policy_rulesAnnotates every decision step with the specific MaRisk paragraph and the CRR article that supports it.
compliance.citations_lookupCombines all sub-agent outputs into the final decision: GO / CONDITIONAL / DECLINE, the recommended terms, and the audit-ready rationale.