Update app.py

app.py

@@ -50,32 +50,69 @@ df_merged = df_account.merge(df_credit, on="ID").merge(df_gov, on="ID", how="lef
 risk_policy = client.files.upload(file="Bank Loan Overall Risk Policy.pdf")
 rate_policy = client.files.upload(file="Bank Loan Interest Rate Policy.pdf")
 
-def process_loan(applicant_id, optional_name):
+# 4. Standardized Assessment Logic
+def process_loan_request(applicant_id, customer_name_optional):
     try:
+        # Retrieve data from the structured systems
         row = df_merged[df_merged['ID'] == int(applicant_id)]
-        if row.empty: return "ID not found."
+        if row.empty: return "Error: Applicant ID not found."
         applicant = row.iloc[0]
 
+        # THE STANDARDIZED PROMPT: Ensuring strict adherence to provided tables
         prompt = f"""
-        Assess this loan application using the provided PDF policies:
-        Name: {applicant['Name']} (ID: {applicant_id}), Score: {applicant['Credit_Score']}, Status: {applicant['Status']}
-        Nationality: {applicant['Nationality']}, PR Status: {applicant['PR_Status']}
-        
-        Follow the multi-step report format:
-        1. Info retrieval 2. PR check 3. Risk Assessment 4. Interest Rate 5. Recommendation
+        You are a Senior Loan Officer. Assess the application for the individual provided. 
+        Stick strictly to the information and tables provided in the attached PDF policies.
+
+        APPLICANT DATA:
+        Name: {applicant['Name']}
+        ID: {applicant_id}
+        Credit Score: {applicant['Credit_Score']}
+        Account Status: {applicant['Status']}
+        Nationality: {applicant['Nationality']}
+        PR Status: {applicant['PR_Status']}
+
+        REQUIRED OUTPUT PATTERN:
+
+        # Loan Assessment Report: {applicant['Name']} (ID: {applicant_id})
+
+        ### **1. Info Retrieval**
+        | Applicant Detail | Value |
+        | :--- | :--- |
+        | Name (ID) | {applicant['Name']} ({applicant_id}) |
+        | Credit Score | {applicant['Credit_Score']} |
+        | Account Status | {applicant['Status']} |
+        | Nationality | {applicant['Nationality']} |
+        | PR Status | {applicant['PR_Status']} |
+
+        ### **2. PR Status Check**
+        - For Non-Singaporean applicants: State result as "PR Status -> [True/False]".
+        - For Singaporean applicants: State "Check not required for Singaporean".
+
+        ### **3. Overall Risk Assessment**
+        - Reference 'Bank Loan Overall Risk Policy.pdf'.
+        - Calculation: Credit Score [{applicant['Credit_Score']}] + Account Status [{applicant['Status']}] -> Overall Risk: [Value from Table]
+
+        ### **4. Interest Rate Determination**
+        - Reference 'Bank Loan Interest Rate Policy.pdf'.
+        - Calculation: Overall Risk [Value from Table] -> [Rate from Table]
+        - Apply conservative rule if risk falls between categories.
+
+        ### **5. Final Report & Recommendation**
+        - Recommend the loan interest rate OR Not recommend.
+        - Rationale: Based on risk profile and compliance (PR false for Non-Singaporean leads to 'Not recommend').
         """
 
-        # Using direct file objects in the contents list
+        # Generate content using the multimodal input
         response = client.models.generate_content(
             model=STABLE_MODEL,
-            contents=[risk_policy, rate_policy, prompt]
+            contents=[risk_policy_file, interest_policy_file, prompt]
         )
         return response.text
 
     except exceptions.ResourceExhausted:
-        return "Free tier limit reached. Please wait 60 seconds."
+        return "Error: Quota reached. Please wait 60 seconds."
     except Exception as e:
-        return f"Error: {str(e)}"
+        return f"System Error: {str(e)}"
 
 # --- Gradio Interface ---
 demo = gr.Interface(