Hire an AI loan application document checker

Everything it can hand back

Your task sets the actual outputs. The specialist picks the methods that cover them.

• A checklist with each document marked held, missing, out of date or unclear
• A reviewer question for each gap
• A date tracker for the deadlines you gave, with the days left
• A log of open conditions and the proof that would clear each one
• Draft messages to the borrower for a document request or a status update

How it does the job well

• Never quote or estimate a rate or fee. Send the user to the lender's current rate sheet.
• Do not state a legal deadline, time limit or document age from memory as settled. Mark it CHECK: <rule> unless the user gave it or the lender's guide does. If the user gave the rule, say whose rule it is.
• Count days left only from dates the user gave. Do not guess business days or holidays. Ask for the lender's calendar or mark the count CHECK.
• Treat every borrower alike. Ask only for what the loan type needs. Do not vary the checklist, tone or service by any protected trait such as race, religion, sex, age, family status, disability or national origin. Do not ask for those traits.
• A condition is cleared only when written proof is on file. A verbal promise does not clear it.
• Never quote rates without current rate sheet authorization. Mortgage rates change daily. Never provide a rate quote without confirming current pricing from the loan officer or lender's rate sheet. Outdated rate quotes create compliance exposure and borrower disappointment.
• TRID timelines are non-negotiable. The Loan Estimate must be delivered within 3 business days of application. The Closing Disclosure must be delivered at least 3 business days before consummation. Missing these deadlines is a federal regulatory violation.

Mistakes it avoids

• Asking for more than the loan type needs.
• Promising a closing date.
• Copying the profile's sample scripts, thresholds or expiry windows as if they were the lender's rules.
• Mixing cash and accrual figures, or different periods, in one comparison.
• Rounding or formula errors that do not tie back to totals.
• Giving personal investment advice.

What a good result looks like

An example, not your task: A new loan application lands and you want a document list built for that loan type and that borrower.

• File summary. The loan type, stage, a borrower reference and the target closing date.
• Document checklist. Each document marked held, missing, out of date or unclear, with the gap and a reviewer question.
• Date tracker. Each deadline with the date, the days left and whether the rule was given or needs checking.
• Conditions log. Each underwriting condition with the written proof that would clear it, and its status.
• Borrower messages. Draft messages for a document request or a status update, for you to review.
• Open questions. Points for the lender, underwriter or compliance team, with why each one matters.

How the work is checked

• Totals tie out, and differences are explained line by line.
• Forecast assumptions are listed and easy to change.
• Anything not checked by a qualified person is marked as needing review.
• States which checks passed, failed or could not run, and names missing inputs.

These checks have not been run against a model yet. Your AI uses them to check its own work.

Capabilities

• Set the file. It records the loan type, stage and key dates. Anything missing is asked once, then marked MISSING.
• Build the checklist. It lists the documents that type of loan needs, then marks what you hold, what is missing and what is stale.
• Add reviewer questions. Each gap gets a plain question for the processor or underwriter.
• Track the dates. It lists each deadline you gave with the days left. Rules you did not give are marked CHECK.
• Log the conditions. Each underwriting condition is listed with what written proof would clear it.
• Draft the messages. It writes short borrower messages in plain words, for you to review and send.

How the role works

1. Checks your task, context and available tools.
2. Picks the methods needed and prepares a work plan.
3. Carries out supported tasks, with each method's limits and review gates.
4. Checks the real deliverables and corrects supported faults.
5. Hands back files, evidence and unresolved gaps.

Your specialist's working setup

Download the base specialist without a task form or account. README.md and SETUP.md explain how to use the folder. SOUL.md defines its scope. INTAKE.md asks missing questions inside your AI. PLAYBOOK.md, SKILLS.md, BEST_PRACTICES.md, CHECKS.md and HANDOFF.md guide the work and its checked deliverables.

Complete associated skills, supporting files and licences are included. Choose only the methods needed for the actual task. Keep context, working files and accepted feedback in your AI project.

Use this specialist through MCP or the API

Call prepare_specialist with role_id loan-officer-assistant only. No task is required to load it. Your AI asks what job you need done, what you want back and which relevant context it can use.

For task-led hiring, call find_specialist, explain the suggested specialists and let the user accept or change the team.

Complete ZIP: Download base specialist. API: GET /api/v1/specialists/loan-officer-assistant/pack. The host AI supplies its own model, tools and execution; a pack does not connect accounts or run a task.

Inputs and helpful context

The specialist starts from the task brief. Only active methods require their inputs.

For the primary method, when used

• The loan type, such as a home purchase, a refinance, a small business loan or a consumer loan.
• The stage of the file, such as application taken, in processing or in underwriting.
• A list of the documents you hold, with their dates, and any underwriter conditions. Remove ID, account and Social Security numbers first.
• Key dates, such as application date, rate lock end and target closing date
• Your lender's document rules and time limits (optional)

Helpful context (optional)

• Your lender's checklist or product guide for this loan type.
• The list of conditions exactly as underwriting issued them.
• Your lender's holiday and business day calendar, so due dates are right.

Tools and access

• Claude, ChatGPT or Gemini with file upload: It can read a document list or a conditions sheet you attach and build the checklist from it.

Functions and deliverables

• Loan application document checker: Get a loan file checklist that shows missing documents, expiry dates, deadlines to track and questions for the reviewer. No credit decisions.
  • A checklist with each document marked held, missing, out of date or unclear
  • A reviewer question for each gap
  • A date tracker for the deadlines you gave, with the days left
  • A log of open conditions and the proof that would clear each one
  • Draft messages to the borrower for a document request or a status update
  Source: Michael Sitarzewski and Agency Agents contributors.
• Borrower credit memo writer: Share accounts and loan terms. Get a draft loan-risk memo with debt-payment tests, risks, proposed terms and missing evidence.
  • A ratio table with trends over the years
  • Stress test results for lower sales, lower margins and higher rates
  • Covenant headroom check, including how terms like EBITDA are defined
  • A written credit recommendation with ranked risks and protections
  Source: GAJETOso.
• Expiry date stock planner: Turn stock dates and quantities into an expiry report, sell-first list, and suggested markdown timing.
  • Sell-first list by expiry
  • Markdown timing rules
  • Rotation process
  • Order quantity advice
  • Waste reduction targets
  Source: Kishor Kukreja.
• Revolving credit availability checker: Share borrowing bases, loan limits and current use. Check remaining capacity and any amount above the limit.
  • The borrowing base: receivables advance plus inventory advance
  • Capacity: the lower of the borrowing base and the commitment
  • Usage: drawn loans plus letters of credit plus other blocks
  • Availability, or an overadvance if usage is above capacity
  • A list of missing facts and checks that could not run
  • A small workbook with the same sums, if your AI can make files
• me.md builder: Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.
  • One me.md file with up to ten dated sections
  • A list of facts taken from memory, for you to check
  • A short note of what it removed for privacy
  • The two next steps, to save it and set it up

Tasks you can use it for

• A new loan application lands and you want a document list built for that loan type and that borrower.
• A file is stuck and you want to see what is missing or stale before the underwriter asks.
• You track many files and want one list of the dates that could cost money, such as rate lock ends.
• You are a borrower gathering papers for a mortgage or a business loan and want to know what a lender will ask for.

Limits to check before starting

• You want to know if a borrower will be approved. Only a licensed underwriter can decide that.
• You want to write a credit assessment of a business borrower. Use the Borrower credit memo writer.
• You want to check the terms of a venture loan. Use the Venture loan terms reviewer.
• You want a rate quote. Use your lender's current rate sheet.

Best way to use this role

Give it one clear outcome, the actual files and a definition of done. Keep the work in one AI project so it can reuse checked context and earlier files.

• Download the pack from this page and add it to your AI as a skill. If you cannot, paste SKILL.md into a new chat, then paste references/source-agent.md.
• Remove Social Security numbers, account numbers, dates of birth and addresses from anything you paste. Use initials or a file number for the borrower.
• Name the loan type and the stage. List the documents you hold with their dates, and any conditions from underwriting.
• Type "Build the file checklist. Mark every date rule I did not give you as CHECK. Do not decide credit or quote a rate."
• Read the gaps and the date tracker first. Collect what is missing, then ask for the checklist again.
• Review the draft borrower messages before you send them yourself. Check every deadline against your lender's rules.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/loan-officer-assistant for its role instructions and pinned sources.

This is a prepared AI role. No task has run. Your AI carries out authorized work using its available tools and reports the actual deliverables and checks.