AI-powered 287-rule BRMS loan conditions management system built from zero to production in 18 days.
PorchPass's loan conditions management process was entirely manual — underwriters and processors tracked lending conditions across spreadsheets, emails, and disconnected systems. With 170+ active dealer relationships and a growing loan pipeline, this created bottlenecks, compliance risks, and significant operational overhead.
Nick designed and built SmartListOS — an AI-powered intelligent loan conditions management platform — taking it from concept to production in approximately 18 days. The system integrates a 287-rule automated BRMS (Business Rules Management System) engine that maps to PorchPass's lending requirements, automatically generating compliance flags and tracking borrower conditions in real-time.
Key technical achievements include: integration with DigiFi LOS for real-time pipeline data synchronization, Supabase Realtime-powered multi-user collaboration with sub-50ms update propagation, automated compliance flag generation, and smart loan pipeline management. The platform delivered 85% time reduction in loan conditions processing and $18,700/month in operational savings.