© Copyright 2026 Reins AI
A four-week, independent test of one document-heavy agent, such as a credit-scoring or loan-review agent: where its answers drift, whether it agrees with your past decisions, and what it needs before you rely on it.
Talk to usTeams building agents for credit memos and loan files hit the same wall: run the same file twice and the score changes. The numbers hold; the judgment calls (sponsor experience, covenant strength, environmental risk) do not. Without a known-right answer, nobody can say which run to trust, and the loan committee is left to decide whether the agent helps.
Many of these agents are built in the business, outside model risk. Testing one carefully, before go-live, is cheaper than defending it after. Our method comes from testing AI agents used in audit with Big Four firms.
Which factors drift, by how much, and how often the drift would change a decision. Stable inputs separated from the judgments that move.
How the agent's answers compare with what your committee actually decided, and where it disagrees for reasons worth hearing.
Whether the agent's traces show what it read and why, and whether a reviewer could check its work in the time they have.
What the agent needs to be tested and monitored, including the context a human reviewer used to supply, written so engineering can act on it.
One recommendation with the evidence behind it, ready for model risk or the loan committee.
Pick the agent and workflow, gather past files with final decisions, walk through who reviews what.
Repeated runs on the same files, trace review, interviews with the people who sign off.
Consistency by factor, agreement with past decisions, midpoint readout.
Verify, fix, constrain or retire; gap register; final readout.
One agent in pilot or production, and its owner. 10–20 past files with their final decisions. On-site or screen-share access to run the agent and see its traces. 30–45 minutes with two or three reviewers. A sponsor in model risk, credit risk or the business.
First consistency results at week 2. A decision on the agent at week 4.
A repeatable test set built from your own files. Rerun it on every new version of the agent, with or without us, and apply the same method to the next agent.
Building or tuning the agent, production data extraction, platform integration. Reins AI retains its methods and Simthetic technology.
