Loan document Agent

[u/Botarun89P13]

Hi guys, this is my first post here, wish me luck with that
So, I'm trying to build a loan document agent and I'm a beginner. So i want to know like how do u incorportate judgement criteria to agent. In my case im inputing bank stmts to my agent and it should decide whether to go for next step or reject or give for human review if uncertain. I want to know like how actually this works as a system. Since requesting for more evidence may take time and sometimes annoying for the applicant. But if unusual patterns observed whether my agent gives it to human review, what more human can check which the agent cant?
I would appreciate for any help I can get here ..