Tool · Decision engine
Your credit analysis, exactly the way your institution does it.
No two lenders analyse credit the same way. Cowally's decision engine lets you draw your own analysis flow (the steps, rules, scorecards, approvals and exceptions) and change it whenever your policy changes, without code and with every decision explained.
Why it matters
Off-the-shelf tools force your process into theirs.
Your policy ends up adapted to the software, not the other way around.
Every policy change becomes a project.
A new cutoff or an extra review step waits in a queue for developers.
Decisions are hard to explain.
When an auditor asks why a loan was approved, the answer is scattered across emails and spreadsheets.
What it does
Draw any flow
Design your analysis as a flow of steps: branches by amount, product or risk, parallel reviews, and who does what at each step. A microlender's fast automatic flow and a mortgage lender's appraisal-and-committee flow are both just flows.
Steps
Bureau checkScorecardBranchParallel reviewAppraisalLegal reviewAnalystCredit committeeFlow · Mortgage loansDraft · v4
Each step has an owner. Drag a step into the flow to add it.
Rule · Consumer loanLive
IF scorecard ≥ 640
AND debt-to-income < 45%
AND no late payments in 12 months
THEN approve up to $5,000,000
ELSE send to analyst review
Scorecard · ConsumerEdited by C. Ruiz
Approval cutoff640
Approval levels · Consumer loansLive
Rules applied
Scorecard 712 is above the 640 cutoff
Debt-to-income 31% is under 45%
No late payments in 12 months
Amount $3,200,000 is within automatic approval
Data used
Onboarding: income, employer, ID check
Credit bureau report, pulled 10:41
Your history: 2 previous loans, paid on time
Decided by
Automatic approval under the consumer rule, version 12
Offer sent to the customer at 10:42
Logged for auditDecision DEC-8821310:42:07Rule version 12
How it works
Two lenders, two flows.
Most decisions are automatic.
Every step with its owner and its documents.
Same engine, different flows. Yours can look like either, or like neither.
AI in this tool
Scoring support. AI helps your analysts with a suggested score and the reasons behind it; your rules and people make the call.
Rules that learn from your loan book. AI suggests adjustments to cutoffs and scorecards based on how past loans actually performed.
Pre-approved offers. AI finds customers who qualify for an offer, based on how they behave.
AIAI recommends; changes to rules still need approval before they go live.
Use it with Cowally, or on its own.
Use it from the back office, connected to every other part.
Your developers plug it into your own product.
See API By MCPYour people and AI agents reach it, with roles and rules.
See MCPQuestions about the decision engine
Yes. That's the point: you draw your current analysis as a flow, steps and exceptions included.
No. Your team changes it in the engine, a second person approves, and it goes live with the change logged.
Yes, along with everything collected during onboarding.
Yes. Your systems send applications through the API and receive the decision back.
No. It suggests and explains; your rules and your people decide.
Bring your credit policy. We'll draw it with you.
In one session we'll map your current credit analysis into the engine and run a real application through it.