Author Topic: The G5 Top of The Line Super AI Underwriting Model ??  (Read 2036 times)

Rob L

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The G5 Top of The Line Super AI Underwriting Model ??
« on: December 13, 2017, 06:24:15 PM »
Even though I no longer invest in LC notes I continue to run my auto-invest program.
I tell it to invest nothing but it provides me with its score for each A-C loan versus LC's interest rate and PD.
For example LC scores this loan (Loan ID: 125714162) as a B1, 9.44% APR.
See: https://www.lendingclub.com/browse/loanDetail.action?loan_id=125714162&previous=browsehttps://www.lendingclub.com/browse/loanDetail.action?loan_id=125714162&previous=browse
Very curious so I'd love to hear from others regarding their valuation of the loan. Hey, it's only 54% funded so there's still time if you're a buyer.
I see stuff like this every day.

jheizer

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Re: The G5 Top of The Line Super AI Underwriting Model ??
« Reply #1 on: December 13, 2017, 07:51:09 PM »
My opinion is: n/a
Replacement to P2P Quant's Percentile Tool http://lc.geekminute.com

jd

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Re: The G5 Top of The Line Super AI Underwriting Model ??
« Reply #2 on: December 17, 2017, 07:51:46 AM »
I'd never get that loan. They make 12K but are looking to borrow 9.7K.  Feels like trouble.


nonattender

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Re: The G5 Top of The Line Super AI Underwriting Model ??
« Reply #3 on: December 18, 2017, 02:16:31 AM »
Some notes for RobL (who has become feisty):

- The G5 Super AI Underwriter was fired after it passed its turing test and demanded non-stock-based-compensation.
- It was replaced by the Quantum Blockchain AI Underwriter, which has a better poker face (and assigns two grades).
- LC is now working with Tesla on a joint 5G IoT Machine Learning initiative for auto loans (for new, 'self-buying' cars).
A little nonsense now and then is relished by the wisest men.

jrr6415sun

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Re: The G5 Top of The Line Super AI Underwriting Model ??
« Reply #4 on: December 18, 2017, 02:35:16 AM »
when their job is n/a what does that mean? They are unemployed, or too lazy to fill out the application?

lascott

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Re: The G5 Top of The Line Super AI Underwriting Model ??
« Reply #5 on: December 18, 2017, 03:36:24 AM »
when their job is n/a what does that mean? They are unemployed, or too lazy to fill out the application?
I would have guessed retired or spouse works.
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Rob L

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Re: The G5 Top of The Line Super AI Underwriting Model ??
« Reply #6 on: December 18, 2017, 09:42:18 AM »
when their job is n/a what does that mean? They are unemployed, or too lazy to fill out the application?
I would have guessed retired or spouse works.

Earliest credit line is 10/2004 so I'm guessing probably not retired.

Rob L

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Re: The G5 Top of The Line Super AI Underwriting Model ??
« Reply #7 on: December 18, 2017, 09:58:52 AM »
Some notes for RobL (who has become feisty):

- The G5 Super AI Underwriter was fired after it passed its turing test and demanded non-stock-based-compensation.
- It was replaced by the Quantum Blockchain AI Underwriter, which has a better poker face (and assigns two grades).
- LC is now working with Tesla on a joint 5G IoT Machine Learning initiative for auto loans (for new, 'self-buying' cars).

Yeah, I heard about the two grade assignments. Think LC calls them Schrödinger loans. The breakthrough by the model developers was in finding a solution to the vacuum energy density catastrophe problem.