Identify client, lending advisor, underwriter, banker, operations, and risk pain points across the end-to-end lending journey: eligibility, discovery, application, collateral evaluation, underwriting, credit approval, documentation, booking, servicing, monitoring, renewals, and repayment. Define guardrails for AI-enabled experiences, including approved data sources, access controls, auditability, explainability requirements, accuracy thresholds, human-in-the-loop checkpoints, escalation logic, customer disclosures, and fallback experiences.