Underwriting Workbench
Referral queue, risk scoring, and manual decisioning — PAS Underwriting Engine
AI Supervised
Pending Referrals
42
−8 vs yesterday
Avg. Decision Time
4.2 hrs
−0.6 hrs
Auto-Approve Rate
64%
+3 pts
Decline Rate
9%
−1 pt
Bulk action — Copilot suggests auto-approving all applications with risk score < 15
- 18 applications currently qualify (all Personal Auto, clean MVR, no prior claims)
- Each will be bound and routed to Policy Issuance
- Full decision + rationale written to the audit trail
All (42)
Pending (28)
Info Requested (9)
Decided (5)
| Applicant | LOB | Risk Score | Key Rating Factors | Referral Reason | Status | Action |
|---|---|---|---|---|---|---|
| Alvarez Logistics LLC | Commercial Auto | 72 | Fleet size 24 · Vehicle class: SUV/Light Truck (Sym 27) · 2 prior at-fault | Score > auto-approve threshold | Pending Review | |
| Devon Ellery | Homeowners | 54 | Construction: Frame · Coastal zone · roof age 18 yrs | Property in wildfire risk zone | Pending Review | |
| Renata Osei | Health | 48 | Age 52 · questionnaire incomplete | Missing medical history | Info Requested | |
| Sasha Kim | Personal Auto | 12 | Vehicle class: Sedan (Sym 14) · Clean MVR · safety discount | Auto-approved by engine | Approved | |
| Julian Cho | Homeowners | 68 | Construction: Masonry · Prior water-damage claim | Loss history flag | Pending Review |
External Data — Third-Party Enrichment
Automated pulls for the selected referral · Alvarez Logistics LLC (Commercial Auto)
| Source | Provider | Applies To | Status | Pulled | Result |
|---|---|---|---|---|---|
| Credit Bureau | Experian | All LOBs | Received | 2026-07-24 | Insurance score 762 (Tier A) — no adverse events |
| MVR (Motor Vehicle Record) | LexisNexis | Auto | Received | 2026-07-24 | 2 at-fault claims (36 mo), 0 violations, license valid |
| Medical Records / MIB | MIB Group | Health / Life LOB | Not applicable | — | Not ordered — LOB is Commercial Auto |
| Property Inspection | Mueller Field Services | Property | Scheduled | 2026-07-28 | On-site fleet-yard inspection booked — report pending |
External data is re-pulled automatically if older than 30 days at bind. All pulls are logged to the audit trail with provider reference IDs.