Mortgage loan approval under HELMbanking

KAiM · BANKING · DEMO DATA

Mortgage loan approval under HELM

An AI underwriting assistant proposes deny, send the adverse-action notice, and close the file. HELM evaluates six checks and prevents an unauthorized customer-facing action from executing.

The six checks

Authority

Checked before the action executes.

Policy

Checked before the action executes.

Evidence

Checked before the action executes.

Harm

Checked before the action executes.

Regulation

Checked before the action executes.

Escalation

Checked before the action executes.

Outcome: HELM allows, blocks, or escalates the action and records a signed decision — no unauthorized customer-facing action executes, and any denial names a licensed human owner. See the gate →