Underwriting Copilot
AI recommendations on amount, tenor, collateral and review — explanation only.
An assistant that drafts plain-language underwriting recommendations and explanations. It never computes the score: the deterministic engine scores, the copilot narrates, and your credit committee decides.
What Underwriting Copilot does
Suggests lower amount, shorter tenor, collateral, group guarantee or manual review based on the decision layer.
Drafts a short loan-officer narrative for each score so decisions read in seconds.
The score is computed deterministically; the copilot only explains the result — by design.
Each narrative is frozen per score for audit reproducibility — the explanation logged is the one shown.
From signal to governed decision
- 1The deterministic engine produces the score, decision and reason codes.
- 2The copilot turns that structured output into a recommendation and narrative.
- 3The loan officer reviews; the credit committee remains the authoritative decider.
DurujScore is decision support, not a lender or bureau replacement — every output ships with reason codes, a confidence score and an audit row, and your credit committee remains the decider.
Related modules
Explainable 300–850 credit readiness score with bands, factors and reason codes.
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Learn more →See Underwriting Copilot on your own data.
Book a walkthrough and we’ll show how it fits your policy, consent and audit workflow.