Condensing the Credit File
Condense a credit file into a factual profile, with every figure sourced and every gap named.
About this use case
A credit file is thirty pages of which about one page matters, and which page differs by product. Underwriters build the profile themselves each time, which is both slow and the reason two underwriters sometimes work from different pictures of the same borrower.
This use case builds the profile in a fixed structure with every figure carrying its source — a factual condensation, not an assessment.
A complete file condenses to obligations, history, income, collateral and the ratios your policy uses; a thin file returns what it establishes and names what it does not; a file with two applicants is profiled separately and then combined.
Documents to consider
- Complete credit files including bureau reports
- Application and income documentation
- Your credit policy and the factors it weighs
- The summary format your underwriters use
- Documentation standards by product
The prompt
Written to be pasted straight into your AI assistant, with the documents it asks for attached. Request access below and we’ll send it over.
Files
Nothing to download here. This prompt runs against your own institution’s material — the documents it lists above.
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