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Cadre
Process AtlasLoan Servicing

Hardship to Workout

When a borrower rolls delinquent, the goal is a sustainable modification — not a foreclosure race. Concord negotiates the workout against a real counterpart agent arguing the borrower's side, round by round.

1 agent staffed1 A2A link1 human checkpoint2 open slots

Detect

Delinquency monitoring
Bank system · lending

Servicing flags accounts rolling past 30/60/90 days.

Engage

Borrower outreach
Open slot

Contact strategy across channels to bring the borrower to the table. Open slot — no agent staffs this step yet.

Negotiate

Concord
Workout negotiation

Negotiates a sustainable loan modification inside the bank's policy envelope — offer, counter, converge.

  • hands to Concord-Borrower via borrower_round
Concord-Borrower
Borrower advocate · in-module

An in-module counterpart agent argues the borrower's side in every negotiation round — a real two-agent negotiation, not a script.

Approve

Servicing officer
Human checkpoint

Approves the negotiated modification before any terms change.

Implement

Modification implementation
Open slot

Booking the modified terms into servicing. Open slot — no agent staffs this step yet.

The walkthrough

  1. 1

    Hardship starts as a servicing signal; outreach brings the borrower to the table.

  2. 2

    Concord negotiates a sustainable modification against a counterpart agent that argues the borrower's side — offer, counter, converge. Two agents, one table.

    Replay the real runsc-concord
  3. 3

    The agreed workout goes to a human officer before any terms change.