---

name: new-agent description: Create a new underwriting agent (assets, credit, collateral) following established patterns. Use when implementing new agents, extending the system with new document analysis capabilities, or understanding how agents work.

Create New Underwriting Agent

Purpose

Create new agents for assets, credit, or collateral analysis following the income agent pattern.

Agent Interface

All agents must implement this interface from internal/agent/agent.go:

Copytype Agent interface {
    Type() AgentType
    Name() string
    RequiredDocuments() []model.DocumentType
    OptionalDocuments() []model.DocumentType
    Dependencies() []AgentType
    Analyze(ctx context.Context, input *AnalysisInput) (*model.AnalysisResult, error)
    CanProceed(docs []*model.Document) (bool, []model.DocumentType)
}

Agent Types

Copyconst (
    AgentTypeIncome     AgentType = "income"
    AgentTypeAssets     AgentType = "assets"
    AgentTypeCredit     AgentType = "credit"
    AgentTypeCollateral AgentType = "collateral"
)

Step-by-Step Guide

1. Create Directory Structure

Copymkdir -p internal/agent/<agentname>

2. Create Agent File

Use this template based on internal/agent/income/income.go:

Copypackage <agentname>

import (
    "context"
    "encoding/json"
    "fmt"
    "strings"
    "time"

    "github.com/nimag/fast/internal/agent"
    "github.com/nimag/fast/internal/gemini"
    "github.com/nimag/fast/internal/guidelines"
    "github.com/nimag/fast/internal/model"
)

type Agent struct {
    gemini     *gemini.Client
    guidelines string
}

type Config struct {
    GuidelinesPath string
}

func New(geminiClient *gemini.Client) *Agent {
    return &Agent{gemini: geminiClient}
}

func NewWithConfig(geminiClient *gemini.Client, cfg Config) *Agent {
    a := &Agent{gemini: geminiClient}

    if cfg.GuidelinesPath != "" {
        loader := guidelines.NewLoader(cfg.GuidelinesPath)
        // Load appropriate section: "assets", "credit", or "collateral"
        if content, err := loader.LoadSection("<section>"); err == nil {
            a.guidelines = content
        }
    }
    return a
}

func (a *Agent) Type() agent.AgentType {
    return agent.AgentType<Name>
}

func (a *Agent) Name() string {
    return "<Name> Verification Agent"
}

func (a *Agent) RequiredDocuments() []model.DocumentType {
    return []model.DocumentType{
        // Add required document types
    }
}

func (a *Agent) OptionalDocuments() []model.DocumentType {
    return []model.DocumentType{
        // Add optional document types
    }
}

func (a *Agent) Dependencies() []agent.AgentType {
    return nil // Or list dependent agents
}

func (a *Agent) CanProceed(docs []*model.Document) (bool, []model.DocumentType) {
    required := a.RequiredDocuments()
    // Check if required docs are present
    // Return (true, nil) if can proceed
    // Return (false, missingTypes) if cannot
}

func (a *Agent) Analyze(ctx context.Context, input *agent.AnalysisInput) (*model.AnalysisResult, error) {
    // 1. Filter documents for this agent
    // 2. Build prompts
    // 3. Call Gemini
    // 4. Parse response
    // 5. Return AnalysisResult
}

3. Document Types by Agent

Assets Agent:

CopyRequired: DocTypeBankStatement
Optional: DocTypeAssetStatement, DocTypeRetirementStmt, DocTypeGiftLetter

Credit Agent:

CopyRequired: DocTypeCreditReport
Optional: DocTypeDebtPayoff

Collateral Agent:

CopyRequired: DocTypeAppraisal
Optional: DocTypePurchaseContract, DocTypeTitleReport, DocTypePropertyInsurance

4. Guidelines Section Mapping

Copy// Load the correct section for your agent
loader.LoadSection("assets")     // For assets agent
loader.LoadSection("credit")     // For credit agent
loader.LoadSection("collateral") // For collateral agent

5. Streaming Output Format

For streaming analysis with real-time progress display, prompts should output markers that StreamFormatter detects. See the streaming-output skill for the full specification.

Key markers:

Copy**📋 GUIDELINE: [Section ID] - [Title]**
Status: ✅ COMPLIANT | ⚠️ ISSUE | ❌ NON-COMPLIANT

**🔍 CROSS-CHECK: [Doc1] vs [Doc2]**
Result: MATCH | MISMATCH

**🧮 INCOME CALCULATION**
Base annual salary: $X,XXX.XX
Total qualifying monthly income: $X,XXX.XX

**✅ FINAL DETERMINATION**
Status: APPROVED | DENIED | NEEDS REVIEW

6. System Prompt Pattern

Copyfunc (a *Agent) buildSystemPrompt() string {
    // Load guidelines - they contain the analysis instructions
    // Don't duplicate guideline content in the prompt
    if a.guidelines != "" {
        return "## Fannie Mae Guidelines\n\n" + a.guidelines
    }
    return ""
}

7. Response Parsing

Request JSON output and parse into model.AnalysisResult:

Copytype analysisResponse struct {
    Status           string    `json:"status"`
    Confidence       float64   `json:"confidence"`
    Summary          string    `json:"summary"`
    Findings         []finding `json:"findings"`
    Risks            []risk    `json:"risks"`
    MissingDocuments []string  `json:"missing_documents"`
}

8. Register in Main

Update cmd/underwriter/main.go:

Copyimport "<agentname>" // Add import

// Create agent
newAgent := <agentname>.NewWithConfig(geminiClient, <agentname>.Config{
    GuidelinesPath: *guidelinesDir,
})

// Add to agents slice
agents := []agent.Agent{incomeAgent, newAgent}

Reference Implementation

Study internal/agent/income/income.go for:

• Complete Analyze() implementation
• Prompt building patterns
• JSON response parsing
• Error handling
• Document filtering

Related Files

• internal/agent/agent.go - Interface definition
• internal/agent/income/income.go - Reference implementation
• internal/model/document.go - Document types
• internal/model/analysis.go - Result structures
• internal/guidelines/loader.go - Guideline loading
• configs/guidelines/ - Guideline files by section