How You Test an Agent That Runs for 30 Days Before It Touches a Live Loan: Golden Files, Backtesting, and the Eval Harness SR 11-7 Actually Wants
A model that scores a loan in 300 milliseconds is easy to validate. An agent that holds a goal across weeks, re-plans as the file changes, and makes dozens of decisions along the way is not, and the usual accuracy-on-a-test-set approach misses most of what can go wrong. A technical account of the eval harness we run, the golden loan files we maintain, the backtest against historical underwriter decisions, and how ongoing monitoring under SR 11-7 and the NIST AI RMF applies to something that behaves more like a colleague than a classifier.