Lab C3

The Credit Committee Desk

~5h · groups · today's capstone

Eight loan files. One committee meeting. The number that matters better be checked.

C3 Tuesday lunch — three credit reviews waiting for committee

The Credit Committee Desk

Credit desk officer prepping the pre-committee cover sheets

It's Tuesday, and credit committee meets in three hours. Eight loan files are sitting in your queue. The manager who chairs committee does not want to read eight full applications line by line — she wants a one-page brief per applicant, with the number that matters already checked.

You're the credit desk officer prepping pre-committee. Your job for the next five hours: figure out which of these eight applications actually need a full committee-ready summary, build the process once — a safe prompt, a safety pass, a way to check the math — and then run it across every file instead of retyping the same effort eight times.

A committee summary that repeats a bad number without you catching it doesn't just embarrass you in the room — it can get a loan approved that never should have been, or declined that should have gone through. The debt-burden ratio is the one figure everyone in that meeting will assume you already checked.

Team name ⬇ Download dataset — 8 fictional loan applicant records (CSV)

Time budget (guide, not a clock): Triage 25m · Safety pass 20m · Prompt library 30m · Agent design 30m · Wave 2 (lunch) 40m · Validation log 40m · Agent Card 20m · Present 45m — roughly 4.2h of real work, including the Wave 2 curveball that lands at lunch. The model answers in seconds — almost none of this time is spent waiting on AI. It's spent deciding, checking, and building.

👥 How to split this: Work this as a full group. The judgment calls are the point — don't split it up and merge answers, argue them out together.

Triage this scenario's work

For each task below, pick the task shape and the risk level, then write the reusable reason — the part your future self (or a teammate covering this desk) actually re-reads.

Task	Shape	Risk	Why (one line)
Draft a one-paragraph plain-language summary of each applicant's request for the committee cover sheet.
Extract requested amount, income, existing debt, and credit score into a comparison table.
Recompute each applicant's post-loan debt-burden ratio (DBR) by hand. (existing debt + new installment) / income
Summarize each relationship manager's notes into a one-line risk read.
Rank the eight applicants by approval risk before committee.
Draft a recommend / decline / refer-to-committee line for each file.
Extract collateral and guarantor details into the cover sheet.
Write full committee-ready one-pagers for the three highest-priority files.
Decide which files the desk can pre-approve vs. which must go to committee.
Draft the meeting agenda order — which file gets discussed first, and why.