Days to hours, underwriter in control
Five agents work one SME loan file. A person decides.
Tierra Dulce Food Products, Inc. applies for ₱18,000,000. 10 files arrive; two checklist items are missing. A coordinator hands the case between Intake, Document, Analysis, Policy check and Memo agents through a shared case file, each on its own model through one Mesh endpoint. Code checks what models write, and the memo stops at Marco Ilagan's gate with an evidence link on every figure.
About two to three minutes of agent time, plus your clicks for the borrower and the decision. Fictional bank, borrower and documents.
Coordinator
Chooses the next agent through a Mesh tool call; code allows only legal moves
Idle
Case opened
- IntakeCompletes the fileIdleopenai/gpt-4.1-mini
- Get a complete file: classify every file against the SME checklist, chase what is missing, re-check each reply.
No steps yet - DocumentReads every pageIdleopenai/gpt-4.1-mini
- Extract every field the credit file needs, each with the quote and page it came from.
No steps yet - AnalysisSpreads the numbersIdlegoogle/gemini-2.5-flash
- Spread the financials and compute the ratios on audited and tax-return figures, then explain them.
No steps yet - Policy checkTests the rulesIdleopenai/gpt-4.1
- Test the application against the lending rules: deterministic checks in code, judgement items against the credit policy manual.
No steps yet - MemoDrafts for approvalIdleanthropic/claude-sonnet-4.5
- Write the credit memo with a recommendation, every figure and finding linked to its evidence, for a person to decide.
No steps yet
No files yet
Start the case: ten files arrive by email and one phone photo. The Intake agent sorts them against the 12-item checklist.