Contract Adjustment Agent
Purpose
Contract Adjustment Agent is designed to identify opportunities for renegotiation of real estate credit contracts based on customer behavior. It focuses on situations such as recurring increases in customer expenses and increases in the cost of a real estate loan as a percentage of the customer’s budget, highlighting cases where a readjustment could lower monthly maturity over a longer period and potentially increase bank profit.
Primary users
Primary users are not specified in the provided information. The available source identifies the Team/BU as CBA and the owner as Geoffroy Borensztejn.
Where it fits (process/stage/trigger)
The agent fits into the credit contract monitoring and adjustment process, particularly when customer behavior indicates potential refinancing or renegotiation opportunities. It may be triggered by observed changes in recurring expenses, real estate loan burden as a share of budget, strong client track records, or the need to assess unprofitable contracts.
Key capabilities / workflow
The agent analyzes customer behavior and real estate credit contract context to identify renegotiation opportunities, detect refinancing opportunities for clients with strong track records, and create automatic recommendations for early closing of unprofitable contracts. The workflow centers on assessing behavioral signals, evaluating client track record strength, checking contract profitability, and producing recommendations.
Inputs
Inputs are not specified in the provided information. The use case explicitly references customer behavior, recurring expense increases, real estate loan cost as a percentage of budget, client track records, and contract profitability as relevant information.
Outputs / Deliverables
Outputs are not specified in the provided information. The use case explicitly mentions identified refinancing opportunities, renegotiation opportunities for real estate credit contracts, and automatic recommendations for early closing of unprofitable contracts.
Value
The agent supports the identification of contract adjustment opportunities that can benefit both clients and the bank. It can help surface cases where clients may receive lower monthly maturity over a longer period while the bank may improve profitability, and it also supports the early closing of unprofitable contracts.
