I’m looking to have a commercial-grade loan origination system built that centres on risk assessment and underwriting. The platform must comfortably process both Business and Real Estate loans from first touch through credit decision, so workflows, data models and scoring logic should be tailored to those two products. Core scope The heart of the build is an automated underwriting engine―collecting applicant data, applying credit policies and spitting out decisions or stipulations in a clear audit trail. Everything else (intake forms, document upload, status tracking) should orbit that engine so our credit team can step in only when a manual override is needed. Deliverables • A web-based application with separate workflows for Business and Real Estate loans • Configurable risk models and rule sets we can update without a developer • User, role and permission management so underwriters, sales and compliance teams see only what they need • Searchable decision log for regulators and internal audit I value clean, well-documented code and a straightforward tech stack that my IT team can maintain after hand-off. When you respond, focus on your direct experience designing or implementing loan origination or credit-decisioning systems and highlight any similar projects you’ve shipped.