slug: oper-credits
provider: Oper Credits
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 7
edges:
- tag: Loan Requests
  spec_file: oper-credits-loan-requests-api-openapi.yml
  capability_id: BC-1320.10
  capability_id_l1: BC-1320
  capability_name: Credit Origination Management
  confidence: 0.92
  evidence: POST /api/loan-requests/ , GET /api/loan-requests/{loan_request_id}/additional-financing-needs/
    , schemas PaginatedLoanRequestList, PatchedGuarantee, FinancialPlanLoanAmountItem, LoanRequestType
  reason: 'The core surface of a digital mortgage origination platform: creating and maintaining loan
    requests with financing needs, guarantees, financial plan amounts and borrower/client documents —
    i.e. credit application intake and origination workflows.'
- tag: Base Products
  spec_file: oper-credits-base-products-api-openapi.yml
  capability_id: BC-1310
  capability_id_l1: BC-1310
  capability_name: Banking Product Management
  confidence: 0.85
  evidence: GET /api/base-products/ ; POST /api/base-products/{base_product_id}/pricing-sheets/ ; schemas
    BaseProduct, PricingSheet, BaseRate, AllowedProductVariability, AdminDiscount
  reason: Defines and maintains the lender's mortgage product master together with pricing sheets, base
    rates, discounts and allowed variabilities — banking product factory; evidence spans catalogue, parameters
    and pricing so L1 only.
- tag: Clients
  spec_file: oper-credits-clients-api-openapi.yml
  capability_id: BC-1300.40
  capability_id_l1: BC-1300
  capability_name: Customer Information Management
  confidence: 0.8
  evidence: schemas NestedClientProfile, CivilStatus, PoliticallyExposedPersonType, LegitimisationType,
    CustomerSegment, LenderOnboardingStatus
  reason: CRUD over borrower/client profile master data including identification and PEP attributes on
    a lending platform — banking customer information management (KYC attributes present, hence some ambiguity).
- tag: Loan Requests Client Info
  spec_file: oper-credits-loan-requests-client-info-api-openapi.yml
  capability_id: BC-1320.10
  capability_id_l1: BC-1320
  capability_name: Credit Origination Management
  confidence: 0.78
  evidence: 'POST /api/loan-requests-client-info/ ... schemas: LoanRequestType, FinancialPlanOwnFundField,
    IncomeType, Broker'
  reason: Creates client information attached to a mortgage loan request, with income, financial plan
    and loan-request-type schemas — this is credit application intake on a mortgage origination platform,
    i.e. credit origination. Sub-capability is intake rather than underwriting since the single operation
    only captures client info.
- tag: Calculate
  spec_file: oper-credits-calculate-api-openapi.yml
  capability_id: BC-1320.10
  capability_id_l1: BC-1320
  capability_name: Credit Origination Management
  confidence: 0.75
  evidence: POST /api/calculate/credit-theoretical-amortization/, schemas CalculateBabyLoan, CalculateCsokMortgage,
    CalculateMaxAmountInputAbstract
  reason: Mortgage/loan amount and amortization calculators used in pre-screening a credit application
    on a mortgage origination platform; sits in credit origination (could touch underwriting, hence 0.75).
- tag: Simulators
  spec_file: oper-credits-simulators-api-openapi.yml
  capability_id: BC-1320.10
  capability_id_l1: BC-1320
  capability_name: Credit Origination Management
  confidence: 0.75
  evidence: POST /api/simulators/calculate/, POST /api/simulators/mortgage/advisor/convert/, schemas MortgageSimulatorBorrowerInfo,
    MortgageSimulatorMonthlyPaymentEstimationFinancialPlanLoanAmountField
  reason: 'Pre-application mortgage simulation: borrower income/asset input, product and discount selection,
    monthly payment estimation, and conversion of a simulation into a loan request. This is credit application
    intake and pre-screening in the origination funnel. Some ambiguity with product pricing (discounts/products),
    hence not higher.'
- tag: Third Party Api
  spec_file: oper-credits-third-party-api-api-openapi.yml
  capability_id: BC-4970
  capability_id_l1: BC-4970
  capability_name: Real Estate Valuation & Appraisal Management
  confidence: 0.7
  evidence: 'PATCH /api/third-party-api/realty-valuations/{id}/ ... schemas: RealtyValuation, RealtyValuationDocument,
    RealtyValuationType, RealtyValuationStatus'
  reason: Endpoint through which third-party valuers submit/update property valuations with documents
    and status — real-estate valuation management; evidence does not identify which valuation sub-stage.
  recovered_from: vertical-real-estate-edges.json