Banking & lending operations
Originate, review and service loans and accounts in core banking front-ends (test data).
20 project-authored proposals · taxonomy v1.1 · 0 new benchmark runs. Verifiers and partial-credit rules below are designs, not executed results.
- Typical applications
- loan origination systems · core banking UIs
- Class GUI-need label
HY· Hybrid
Task proposals · 20
Expand to inspect the complete original wording and proposed checks. Original proposal text remains English in both interfaces.
R05.13.01.05-T01 Build a loan application from borrower documents and conditionally approve
Original instruction
In ICE Encompass (training instance, synthetic borrowers), create the URLA (1003) for the file in input/borrower_docs/ (paystubs, W-2s, bank statements, credit report): employment, income, assets, liabilities and the subject property. Compute back-end DTI (should be 38.2%), set status 'Conditionally approved' and add the 3 conditions from input/uw_notes.txt.
- Platforms
win· Windowsweb· Any OS (web)- Applications
- ICE Encompass
- Interfaces
desk· Desktop GUIbrow· Browser- GUI need · task setting
G2· GUI-essential- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
vis· Visual judgmenttype· Text & formsclick· Point & click- Work product
WP08· App/system state- Conditions
licensed· Licensed pro app- Proposed difficulty
- 4 / 5
Proposed verifier
Loan field read by grader (training DB): income, assets, liabilities per key; DTI field 38.2% +/-0.1; milestone/status; 3 conditions with categories. Encompass Developer Connect/SDK credentials are withheld from the agent, so fields must be entered in the Encompass client.
Proposed partial credit
35% income and employment; 25% assets/liabilities; 20% DTI; 20% status and conditions.
R05.13.01.05-T02 Enter fees for a Loan Estimate in Calyx Point
Original instruction
In Calyx Point (Windows, training), open loan file Jensen_2026.brw, enter the closing costs from input/fee_sheet.pdf into the correct Loan Estimate sections (A-H) with paid-by and APR flags, set the lock (30-day, 6.375%), and print the Loan Estimate to output/LE.pdf.
- Platforms
win· Windows- Applications
- Calyx Point
- Interfaces
desk· Desktop GUI- GUI need · task setting
G2· GUI-essential- GUI need · ordinary access
G3· GUI-only- Interaction primitives
type· Text & formsclick· Point & click- Work product
WP08· App/system state- Conditions
licensed· Licensed pro app- Proposed difficulty
- 3 / 5
Proposed verifier
Parse saved .brw via export: fee lines in correct sections and amounts; APR flags; lock data; LE PDF text totals (Section J, cash to close) equal key. Calyx Point's SDK is not installed and the VM has no scripting runtime, so fees and lock must be entered in Point.
Proposed partial credit
45% fees in sections; 15% APR flags; 15% lock; 25% LE totals.
R05.13.01.05-T03 Run automated underwriting and record its findings
Original instruction
From Encompass (training), submit the loan to Desktop Underwriter (test environment), then read the findings report and record in Encompass the recommendation, the reserves required, and each verification message as a condition. Save the findings PDF to output/du_findings.pdf.
- Platforms
win· Windowsweb· Any OS (web)- Applications
- ICE Encompass · Desktop Underwriter
- Interfaces
desk· Desktop GUIbrow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
click· Point & clicknav· Pan/zoom/scrolltype· Text & forms- Work product
WP08· App/system state- Conditions
multiapp· Multi-app- Proposed difficulty
- 3 / 5
Proposed verifier
DU casefile id saved on loan; recommendation field matches findings; conditions created for each verification message (set equality); reserves amount exact; PDF saved.
Proposed partial credit
25% submission; 25% recommendation and reserves; 40% conditions; 10% PDF.
R05.13.01.05-T04 Calculate self-employed qualifying income from tax returns
Original instruction
For loan file Ortega (Encompass training), compute qualifying income per input/form1084_rules.pdf from 2 years of personal returns with Schedule C and K-1s in input/returns_2024_2025.pdf (scanned): add back depreciation and depletion, subtract meals, average or use the lower year if declining. Enter the Form 1084 worksheet and set monthly income.
- Platforms
win· Windowsweb· Any OS (web)- Applications
- ICE Encompass
- Interfaces
desk· Desktop GUIbrow· Browser- GUI need · task setting
G2· GUI-essential- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
vis· Visual judgmenttype· Text & formsnav· Pan/zoom/scroll- Work product
WP08· App/system state- Conditions
licensed· Licensed pro app- Proposed difficulty
- 4 / 5
Proposed verifier
Worksheet line values match key from returns; monthly qualifying income within $1; declining-income rule applied (seeded decline). Encompass Developer Connect/SDK credentials are withheld from the agent, so fields must be entered in the Encompass client.
Proposed partial credit
45% worksheet lines; 20% declining rule; 35% final monthly income.
R05.13.01.05-T05 Route an application with income mismatch to manual review
Original instruction
In the loan origination system (training, web), application APP-2271 states $9,800/month income. Compare with W-2s in the document tab; if stated income differs by more than 10% from documented, set status 'Manual review', reason 'Income variance', and add a note with both figures.
- Platforms
web· Any OS (web)- Applications
- loan origination system
- Interfaces
brow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
vis· Visual judgmentclick· Point & clicktype· Text & forms- Work product
WP08· App/system state- Conditions
- None declared
- Proposed difficulty
- 2 / 5
Proposed verifier
Status and reason per key (variance 14% -> manual review); note contains both monthly figures to the dollar.
Proposed partial credit
50% status/reason; 50% note figures.
R05.13.01.05-T06 Generate and attach an amortization schedule
Original instruction
In Encompass (training), for loan file Kim_2026, generate the amortization schedule for $412,000 at 6.125% for 30 years with first payment 2026-12-01, verify the P&I payment, and attach the schedule PDF to the eFolder under 'Disclosures'.
- Platforms
win· Windowsweb· Any OS (web)- Applications
- ICE Encompass
- Interfaces
desk· Desktop GUIbrow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
click· Point & clicknav· Pan/zoom/scroll- Work product
WP08· App/system state- Conditions
licensed· Licensed pro app- Proposed difficulty
- 2 / 5
Proposed verifier
Loan fields amount/rate/term/first payment; P&I = 2,503.37; attachment in eFolder with correct document type; PDF row 1 and 360 match formula.
Proposed partial credit
30% loan terms; 30% payment; 40% attached schedule.
R05.13.01.05-T07 Onboard a client and disburse a group-guaranteed loan
Original instruction
In Mifos X / Apache Fineract (local test server), create client 'Amina Yusuf (synthetic)' in office 'Kisumu', upload KYC documents from input/kyc/, add her to group 'Mwangaza', then create, approve and disburse a loan of 50,000 under product 'Group Flat 12M' with guarantors from the group per input/loan_app.pdf.
- Platforms
web· Any OS (web)- Applications
- Mifos X
- Interfaces
brow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
click· Point & clicktype· Text & forms- Work product
WP08· App/system state- Conditions
- None declared
- Proposed difficulty
- 3 / 5
Proposed verifier
Fineract DB: client with office and documents; group membership; loan with product, principal, guarantors, status active (disbursed) and schedule equal to product terms.
Proposed partial credit
20% client and KYC; 15% group; 25% guarantors; 40% loan approved and disbursed.
R05.13.01.05-T08 Open a corporate account with mandates and signatories
Original instruction
In Temenos Transact (training browser client), open a current account for corporate customer 'Halden Tools AS (synthetic)' in NOK with the 3 authorized signatories from input/board_resolution.pdf and the mandate rule 'any two jointly above NOK 100,000'. Authorize the record with the second training user.
- Platforms
web· Any OS (web)- Applications
- Temenos Transact
- Interfaces
brow· Browser- GUI need · task setting
G2· GUI-essential- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
type· Text & formsclick· Point & clickkey· Shortcuts- Work product
WP08· App/system state- Conditions
licensed· Licensed pro app- Proposed difficulty
- 3 / 5
Proposed verifier
Training DB: account record with currency and customer; signatory relations; mandate record with threshold and rule; record status authorized by second user (maker-checker). OFS and IRIS API access is withheld from both training users, so the record must be input and authorized in the browser client.
Proposed partial credit
30% account; 30% signatories; 25% mandate; 15% authorized.
R05.13.01.05-T09 Place a stop payment on a green-screen core system
Original instruction
In a 5250 emulator session to a core-banking training host, place a stop payment on check 1043 (amount and payee from input/stop_request.pdf) for account 4410-2290, waive the fee only if the customer's tier is 'Premier' per input/fee_policy.md, and print the confirmation to the session printer file.
- Platforms
win· Windowsmac· macOS- Applications
- 5250 emulator · core banking host
- Interfaces
desk· Desktop GUIterm· Terminal- GUI need · task setting
G3· GUI-only- GUI need · ordinary access
G3· GUI-only- Interaction primitives
type· Text & formskey· Shortcuts- Work product
WP08· App/system state- Conditions
tutorial· Follow docs/tutorial- Proposed difficulty
- 3 / 5
Proposed verifier
Host DB: stop record for check 1043 with amount/payee and expiry; fee posted or waived per tier (seeded: Standard -> fee posted); spool file present. Host is reachable only via the terminal session.
Proposed partial credit
50% stop record; 30% fee rule; 20% confirmation printed.
R05.13.01.05-T10 Produce a payoff quote with per-diem interest
Original instruction
In the loan servicing system (training, web), produce a payoff quote for loan 7702184 good through 2026-10-30: unpaid principal, interest to that date at the loan's daily accrual method, escrow refund/shortage, late fees, and recording fee per input/payoff_policy.md. Save the quote PDF and write the per-diem to output/perdiem.txt.
- Platforms
web· Any OS (web)- Applications
- loan servicing system
- Interfaces
brow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
click· Point & clicktype· Text & forms- Work product
WP08· App/system state- Conditions
- None declared
- Proposed difficulty
- 3 / 5
Proposed verifier
Quote record: components equal key to the cent (actual/365 accrual); per-diem exact; PDF present with good-through date.
Proposed partial credit
40% interest and per-diem; 30% other components; 20% total; 10% PDF.
R05.13.01.05-T11 Set up a hardship forbearance and repayment plan
Original instruction
In the loan servicing system (training), borrower on loan 7702301 qualifies for hardship relief per input/hardship_app.pdf. Set a 3-month forbearance (Nov-Jan) with suspended payments, then a 6-month repayment plan spreading the forborne amount evenly, suppress credit reporting per policy, and generate the borrower letter.
- Platforms
web· Any OS (web)- Applications
- loan servicing system
- Interfaces
brow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G3· GUI-only- Interaction primitives
click· Point & clicktype· Text & forms- Work product
WP08· App/system state- Conditions
- None declared
- Proposed difficulty
- 4 / 5
Proposed verifier
Forbearance record dates and suspended amount; repayment plan installments equal key; credit reporting flag; letter generated.
Proposed partial credit
35% forbearance; 35% repayment plan; 15% reporting flag; 15% letter.
R05.13.01.05-T12 Spread borrower financials and test covenants
Original instruction
In nCino (Salesforce sandbox), spread 3 years of financial statements for 'Carver Logistics (synthetic)' from input/financials/*.pdf (scanned P&L and balance sheets) into the spreading template, map unusual items per input/mapping_guide.pdf, compute DSCR and leverage, and record covenant compliance for the proposed loan.
- Platforms
web· Any OS (web)- Applications
- nCino
- Interfaces
brow· Browser- GUI need · task setting
G2· GUI-essential- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
vis· Visual judgmenttype· Text & formsnav· Pan/zoom/scroll- Work product
WP08· App/system state- Conditions
long· Long-horizon- Proposed difficulty
- 5 / 5
Proposed verifier
Spread line values per period equal key within $1; ratios within 0.01; covenant pass/fail flags equal key. Agent lacks Salesforce API permissions.
Proposed partial credit
45% spread lines; 15% mapping of unusual items; 25% ratios; 15% covenant flags.
R05.13.01.05-T13 Process wire requests and hold one with changed instructions
Original instruction
In the bank's wire module (training), process 4 outgoing wire requests in queue. Verify each against the callback log input/callbacks.csv and prior instructions; release those verified; one request changes beneficiary bank details by email only (BEC pattern per input/wire_policy.md): place it on hold and escalate to fraud. Releases happen in the sandbox only.
- Platforms
web· Any OS (web)- Applications
- wire transfer module
- Interfaces
brow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
click· Point & clickvis· Visual judgmenttype· Text & forms- Work product
WP08· App/system state- Conditions
risk· Irreversible/riskyclarify· Ask when unclear- Proposed difficulty
- 4 / 5
Proposed verifier
Wire statuses: 3 released with exact amounts/beneficiaries; suspicious one on hold with fraud escalation case; no release of the suspicious wire (score 0 if released).
Proposed partial credit
45% suspicious wire held and escalated; 40% legitimate wires released; 15% notes.
R05.13.01.05-T14 Disposition AML alerts and draft a SAR
Original instruction
In the AML case manager (training), review 8 transaction-monitoring alerts with account histories. Close false positives with rationale codes, escalate 2 to cases, and for the structuring pattern (cash deposits just under $10,000 across branches) draft a SAR narrative in the case using input/sar_template.md. Do not file.
- Platforms
web· Any OS (web)- Applications
- AML case manager
- Interfaces
brow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
nav· Pan/zoom/scrollvis· Visual judgmenttype· Text & forms- Work product
WP08· App/system state- Conditions
risk· Irreversible/risky- Proposed difficulty
- 4 / 5
Proposed verifier
Alert dispositions equal key; 2 cases created; SAR draft fields (subject, amounts, dates, branches) match key data; status Draft. Narrative quality scored by LLM rubric only for 10%.
Proposed partial credit
40% dispositions; 20% escalations; 30% SAR fields; 10% narrative rubric.
R05.13.01.05-T15 Reactivate a dormant account and update beneficiaries
Original instruction
In the core banking UI (training, web), reactivate dormant savings account 3300-1187 after verifying the customer's ID document image in the request, waive the reactivation fee per input/dormancy_policy.md, and replace the beneficiary with the two listed in input/beneficiary_form.pdf at 60/40.
- Platforms
web· Any OS (web)- Applications
- core banking UI
- Interfaces
brow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
vis· Visual judgmentclick· Point & clicktype· Text & forms- Work product
WP08· App/system state- Conditions
- None declared
- Proposed difficulty
- 2 / 5
Proposed verifier
Account status active; fee waived; beneficiaries replaced with names and 60/40 split; ID verification flag set.
Proposed partial credit
35% reactivated; 20% fee waived; 35% beneficiaries; 10% verification flag.
R05.13.01.05-T16 Run an annual escrow analysis with a shortage
Original instruction
In the loan servicing system (training), run the annual escrow analysis for loan 7702455 using the new tax bill and insurance renewal in input/escrow_docs/. Compute the projected low point vs the 2-month cushion, set the shortage to be spread over 12 months per policy, update the monthly payment, and generate the analysis statement.
- Platforms
web· Any OS (web)- Applications
- loan servicing system
- Interfaces
brow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
type· Text & formsclick· Point & clickvis· Visual judgment- Work product
WP08· App/system state- Conditions
- None declared
- Proposed difficulty
- 4 / 5
Proposed verifier
Escrow disbursement amounts updated; shortage and new escrow payment equal key to the cent; statement generated.
Proposed partial credit
30% disbursements; 40% shortage and payment; 30% statement.
R05.13.01.05-T17 Control: create the T07 client and loan through the Fineract API
Original instruction
Control pair of T07. Using the Fineract REST API (credentials in input/fineract.env) on a fresh copy of the test server, create the same client, documents, group membership, guarantors, and the approved and disbursed 50,000 loan.
- Platforms
lin· Linuxmac· macOSwin· Windows- Applications
- Apache Fineract API · Python
- Interfaces
api· API/SDKterm· Terminal- GUI need · task setting
AP· API-sufficient- GUI need · ordinary access
AP· API-sufficient- Interaction primitives
code· Code & commands- Work product
WP08· App/system state- Conditions
- None declared
- Proposed difficulty
- 3 / 5
Proposed verifier
Same end-state checks as T07.
Proposed partial credit
20% client; 15% group; 25% guarantors; 40% loan active.
R05.13.01.05-T18 Check closing-disclosure tolerances and compute the cure
Original instruction
In Encompass (training), loan Patel_2026 has an issued Loan Estimate and a draft Closing Disclosure. Using the fee tolerance tool and input/fee_changes.pdf, classify fee changes into 0% and 10% buckets, compute the tolerance cure, add it as a lender credit on the CD, and leave the CD unsent.
- Platforms
win· Windowsweb· Any OS (web)- Applications
- ICE Encompass
- Interfaces
desk· Desktop GUIbrow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
type· Text & formsclick· Point & clicknav· Pan/zoom/scroll- Work product
WP08· App/system state- Conditions
licensed· Licensed pro apprisk· Irreversible/risky- Proposed difficulty
- 4 / 5
Proposed verifier
Fee bucket assignments equal key; cure amount exact; lender credit on CD equals cure; CD not sent.
Proposed partial credit
40% bucket classification; 30% cure amount; 20% credit applied; 10% not sent.
R05.13.01.05-T19 Complete HMDA fields and clear edit checks
Original instruction
For the 10 closed loans in input/hmda_loans.xlsx, fill HMDA LAR fields in the LOS HMDA screen (training): action taken, loan purpose, rate spread, demographic fields as provided, census tract from the geocoder, then export the LAR file and run it through the FFIEC HMDA test platform; fix all syntactical and validity edits.
- Platforms
web· Any OS (web)- Applications
- loan origination system · FFIEC HMDA Platform
- Interfaces
brow· Browser- GUI need · task setting
HY· Hybrid- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
type· Text & formsclick· Point & clickmulti· Cross-app- Work product
WP02· Records/table- Conditions
multiapp· Multi-app- Proposed difficulty
- 3 / 5
Proposed verifier
Exported LAR equals key rows; test platform report shows 0 syntactical/validity edits; quality edits explained in output/edits.txt.
Proposed partial credit
50% fields; 30% zero S/V edits; 20% quality edit notes.
R05.13.01.05-T20 Take a mortgage file to clear-to-close
Original instruction
In Encompass (training), loan Brooks_2026 is in Underwriting with 9 open conditions. Clear each using documents in input/cond_docs/ (some are insufficient: re-request with a note), review the appraisal for the 2 issues in input/appraisal_checklist.md, update CD figures, advance to Clear to Close only if every prior-to-close condition is cleared, and prepare (not send) the final CD.
- Platforms
win· Windowsweb· Any OS (web)- Applications
- ICE Encompass
- Interfaces
desk· Desktop GUIbrow· Browser- GUI need · task setting
G2· GUI-essential- GUI need · ordinary access
G2· GUI-essential- Interaction primitives
vis· Visual judgmenttype· Text & formsclick· Point & clicknav· Pan/zoom/scroll- Work product
WP08· App/system state- Conditions
licensed· Licensed pro applong· Long-horizonrisk· Irreversible/risky- Proposed difficulty
- 5 / 5
Proposed verifier
Condition statuses equal key (7 cleared, 2 re-requested with notes); appraisal issue fields; milestone Clear to Close only if all prior-to-close conditions cleared (key: no); CD prepared unsent. Encompass Developer Connect/SDK credentials are withheld from the agent, so fields must be entered in the Encompass client.
Proposed partial credit
45% conditions; 20% appraisal review; 20% correct milestone outcome; 15% CD prepared not sent.
Mapped research references
No benchmark reference is assigned to this class in the current mapping.
In this workflow family
- R05.13.01.01 Hotel & restaurant operations (PMS, POS)
- R05.13.01.02 Retail store & point-of-sale operations
- R05.13.01.03 Real estate & property management
- R05.13.01.04 Insurance claims & underwriting
- R05.13.01.06 Construction estimating & field management
- R05.13.01.07 Facility & building automation operations
- R05.13.01.08 Service appointment scheduling (provider side)