{
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        "kind": "gate",
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      },
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        "agent": "reviewer",
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        "gateway": "exclusive",
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      },
      {
        "agent": null,
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        "gate": "gate:underwriter-affordability-signoff",
        "gateway": null,
        "human": "Credit underwriter (delegated-authority signer)",
        "id": "signoff",
        "interrupt_before": true,
        "kind": "gate",
        "label": "An underwriter reviews the affordability packet and signs the final credit decision, including any policy exception or override on a marginal/thin-file applicant",
        "position": {
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        "agent": "submit",
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  "hash": "b7567e38aa0e5074d89c70239f21560abe94e789dbfdca43fae4d646679e82b0",
  "name": "Cash-flow underwriting autopilot",
  "slug": "income-affordability-verification",
  "source": "example",
  "version": null,
  "violations": []
}