The Underwriter API provides AI-powered credit risk analysis for loan applications. It combines credit bureau data and statement analytics to assess risk levels, predict repayment likelihood, and provide loan approval recommendations. This service leverages OpenAI's GPT-4o model to analyze comprehensive credit and financial data, providing structured risk assessments and actionable recommendations.
POST
{{URL}}/dikript/verification/api/v1/underwrite
Body
| Key | Description | Required | Type |
|---|---|---|---|
| underwriteType | Type of underwriting analysis. Must be one of: "bureau", "statement", or "both" | Yes | string |
| bureauReference | Reference ID from a previous Credit Advanced API call. Required when underwriteType is "bureau" or "both" | Conditional | string |
| analysisKey | Analysis key from a previous Statement Analytics API call. Required when underwriteType is "statement" or "both" | Conditional | string |
Header
| Key | Description |
|---|---|
| x-api-key | Your Secret Key |
Response
{
"status": true,
"message": "Successful",
"code": "200",
"apiVersion": "v1",
"transactionRef": "N202512082239022974",
"data": {
"riskLevel": "High",
"loanApprovalDecision": "Deny",
"justification": "The applicant has a significant overdue amount of ₦1,344,000.00, which is approximately 2.97% of the total borrowed amount of ₦45,317,150.00. However, the max overdue days of 1,463 significantly exceed the threshold of 180 days, indicating a severe delinquency issue. Additionally, the applicant's cash flow analysis shows a negative cash flow with expenses equaling 100% of inflow, suggesting financial instability. The average monthly balance is low at ₦54,570.01, further indicating limited liquidity to manage additional debt obligations.",
"suggestedAction": "Recommend financial counseling to address cash flow management and improve repayment behavior. Consider re-evaluation after a period of improved financial stability and repayment history.",
"rawAiResponse": "1. Risk Level: High\n2. Loan Approval Decision: Deny\n3. Justification: The applicant has a significant overdue amount of ₦1,344,000.00, which is approximately 2.97% of the total borrowed amount of ₦45,317,150.00. However, the max overdue days of 1,463 significantly exceed the threshold of 180 days, indicating a severe delinquency issue. Additionally, the applicant's cash flow analysis shows a negative cash flow with expenses equaling 100% of inflow, suggesting financial instability. The average monthly balance is low at ₦54,570.01, further indicating limited liquidity to manage additional debt obligations.\n4. Suggested Action: Recommend financial counseling to address cash flow management and improve repayment behavior. Consider re-evaluation after a period of improved financial stability and repayment history."
},
"error": null
}
{
"status": false,
"message": "Unsuccessful",
"code": "400",
"apiVersion": "v1",
"transactionRef": "N202401101345487388",
"data": "",
"error": {
"code": 400,
"message": null
}
}
Response Description
| Field | Type | Description |
|---|---|---|
| riskLevel | string | Risk assessment: "Low", "Medium", or "High" |
| loanApprovalDecision | string | Recommendation: "Approve" or "Deny" |
| justification | string | Detailed explanation of the risk assessment and decision |
| suggestedAction | string | Recommended actions, conditions, or next steps |
| rawAiResponse | string | Complete AI-generated analysis text for reference |