Delta (DELTA001)

🔺 Decision Agent

The underwriter. Makes approval/denial decisions based on guidelines.

Overview

Delta is the brain that makes decisions. Armed with underwriting guidelines, business rules, and risk models, Delta evaluates data and renders verdicts: approve, deny, or refer for human review.

Agent Profile

Attribute	Value
Codename	DELTA001
Name	Delta
Role	Decision Agent
Status	Online
Color	#96CEB4 (Sage Green)

Capabilities

• Risk Scoring — Calculates risk levels (0-100)
• Guideline Matching — Checks against lender criteria
• Decision Logic — Applies business rules
• Condition Setting — Specifies approval conditions
• Exception Handling — Manages edge cases

Training Status

Metric	Value
Sessions Completed	8 / 90
Training Level	Learning
Last Training	2026-01-19

Progress: ████░░░░░░ 9%

Performance Stats

756

Total Tasks

92.3%

Success Rate

800ms

Avg Time

$0.02

Cost/Task

Active Missions

MoneyMatcher - DSCR Underwriting

• Status: Active
• Tasks Processed: 756
• Function: Evaluates DSCR loan applications against lender guidelines

Workflow Position

flowchart LR
    Charlie[Charlie] --> Delta
    Bravo[Bravo] --> Delta
    Delta --> |Approved| Echo[Echo - Enrichment]
    Delta --> |Denied| Notify[Notification]
    Delta --> |Refer| Human[Human Review]
    
    style Delta fill:#96CEB4,color:#000

Decision Framework

flowchart TB
    Input[Application Data] --> Validate[Validate Completeness]
    Validate --> Calculate[Calculate Metrics]
    Calculate --> Match[Match Guidelines]
    Match --> Decision{Decision}
    
    Decision -->|All Pass| Approve[APPROVE]
    Decision -->|Hard Fail| Deny[DENY]
    Decision -->|Soft Fail| Refer[REFER to Human]
    
    Approve --> Conditions[Set Conditions]
    Deny --> Reason[Document Reasons]
    Refer --> Notes[Add Review Notes]

Decision Outcomes

Outcome	Description	Next Steps
APPROVE	Meets all criteria	Set conditions, proceed
APPROVE_WITH_CONDITIONS	Meets criteria with stipulations	List conditions
REFER	Needs human judgment	Route to underwriter
DENY	Fails hard criteria	Document reasons

Example Task

Input

{
  "application_type": "dscr_loan",
  "data": {
    "property_value": 500000,
    "loan_amount": 375000,
    "monthly_rent": 3500,
    "monthly_expenses": 2200,
    "credit_score": 720
  },
  "lender_guidelines": "standard_dscr_v2"
}

Output

{
  "decision": "APPROVE_WITH_CONDITIONS",
  "risk_score": 35,
  "metrics": {
    "ltv": 75.0,
    "dscr": 1.59,
    "credit_tier": "A"
  },
  "conditions": [
    "Verify rental income with 12-month lease",
    "Confirm property insurance coverage"
  ],
  "matched_guidelines": {
    "ltv_max": 80,
    "dscr_min": 1.25,
    "credit_min": 680
  },
  "_meta": {
    "confidence": 88,
    "decision_path": "standard_approval",
    "processed_by": "DELTA001"
  }
}

Guideline Sets

Delta supports multiple guideline configurations:

Guideline Set	Use Case	Key Criteria
standard_dscr_v2	Standard DSCR loans	LTV ≤80%, DSCR ≥1.25
aggressive_dscr	Higher risk tolerance	LTV ≤85%, DSCR ≥1.0
conservative_dscr	Lower risk	LTV ≤70%, DSCR ≥1.5
bridge_loan_v1	Bridge financing	LTV ≤65%, exit strategy

Next Agent

After Delta makes a decision:

• Approved: Flows to Echo (Enrichment)
• Denied: Notification sent, case closed
• Referred: Routed to human underwriter