Reading the AUS Findings: Where an AI Underwriting Agent Adds Value, Where SR 11-7 Draws the Line, and Why the Model That Touches Credit Is Governed Differently
The automated underwriting system already returned Approve/Eligible. The work that follows, clearing the findings, reconciling the conditions against the file, and deciding what the AUS could not see, is where cycle time and defects live. Where an AI agent operates on DU and LPA findings, why an agent that influences a credit decision falls under model risk management, and the governance we run so the agent is a documented, tested model and not a black box in the underwriting path.