Cut loan document review from days to hours
A North American specialty lender
A specialty lender drowning in manual document review on every loan file could turn that work over to an agent. The idea: extraction and reconciliation that reads the package, checks it against policy, and surfaces only the exceptions an analyst needs to decide.
The opportunity
Every loan file arrives as a stack of bank statements, tax forms, and pay stubs that analysts retype and cross-check by hand. Review can take two to three days per file, throughput caps the lending team, and the audit trail is inconsistent. Most files are clean, so skilled analysts spend their time on rote checking instead of credit judgment. That is the opportunity.
Target outcome
target: faster loan file review
What we would build
No black box. These are the concrete pieces we would put in place, in the order they matter, with a human in the loop wherever the stakes are high.
- 1
Build layout-aware extraction tuned to the lender's real statement and tax-form formats, with a confidence score per field
- 2
Reconcile income and balances against the loan application and policy rules, clearing confident matches automatically
- 3
Add duplicate, tolerance, and consistency checks so only genuine exceptions reach a human
- 4
Design an exception queue that shows the evidence and a suggested resolution next to each flagged item
- 5
Write every decision and its reasoning to an audit-ready file the credit and compliance teams can review
Representative stack
We choose tools to fit the job and your constraints, and favor open-source and local options where they fit. We are not tied to any one vendor.
Time to value
We start narrow, prove the result against your real baseline, and expand once it holds.
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Want to put this idea to work in your business?
Take the assessment. We start from the outcome you need and turn it into a fixed-price plan in one working session.