AI Agents

Context

Built for banking within the Retail mortgage underwriting stack, this agent is used when an Energy Performance Certificate (EPC) is required to progress a purchase or refinance file. It runs early—alongside title and appraisal checks—so underwriters confirm that the correct, in-date certificate is on file and that the property meets the minimum energy-efficiency threshold applicable to the product or jurisdiction.

What it does

The agent reads the submitted EPC (or national register extract) and validates certificate authenticity, address/parcel match, assessor ID and licence status, issue/expiry dates, rating/band, and recommended improvements. It reconciles the property identifiers and address lines with the application, title documents, and appraisal; flags expired, mismatched, or missing certificates; and checks product or jurisdictional minimum-rating rules. Where a shortfall exists, it generates a clear exception with the rating, the rule breached, and any programmatic remedies supported by policy (e.g., permitted exceptions, escrow for upgrades). Findings include concise rationales and links to the exact lines or register pages used.

Core AI functions

Document/register parsing tuned to EPC layouts and national registries; OCR and field extraction for address/UPRN/parcel, assessor/licence, dates, and rating/band; cross-document consistency checks against application/title/appraisal; rule evaluation for minimum EPC thresholds and certificate freshness; detection of duplicates and stale copies; and reason-code generation with page-level lineage to the evidence.

Problem solved

EPC evidence is often missing, stale, or mismatched to the property on the application. Manual checks across registers and documents are slow, and rating thresholds tied to products or jurisdictions are applied inconsistently—causing last-minute rework and delays to clear-to-close.

Business impact

Files move faster and with fewer exceptions: EPC validity and rating thresholds are confirmed up front, ask-backs are precise, and policy adherence is consistent. That reduces rework, protects product eligibility, and strengthens audit readiness through clause-level evidence.

Integration and adjacent use cases

Integration complexity: Low. The agent ingests EPC PDFs or register lookups from portal/email/DMS and writes validation outcomes, rating/threshold checks, and evidence links into the underwriting workbench; core systems are unchanged.

It is commonly combined with:

• Purchase agreement & contract validator (to align parties and property),

• Land registry & title deed validator (to reconcile address/parcel identity),

• Appraisal & valuer/licence/method validator (to align legal description and valuation basis),

• Collateral insurance & pledge verifier (to confirm coverage conditions),

• Debt & liability cross-checker and Income & employment verifier

• Self-employed income analyzer (for borrower evidence), and

• Final completeness checker (to catch missing or expired EPCs before sign-off).