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AI Engineering for Lending & Credit

We automate financial spreading, covenant monitoring, and loan document assembly — your analysts make decisions, not spreadsheets.

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What We Automate

We don't know every problem in your operation. You do. These are the types of work we engineer AI for. You tell us where it hurts most.

Data Entry Automation

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Your team re-types data from one system to another. We eliminate that.

tax returns financial statements rent rolls personal financial statements

Incoming Request Processing

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Requests come in from everywhere in every format. We read, classify, and route them.

loan applications modification requests payoff demands title documents

Billing, Payments & Reconciliation

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Your team spends hours on financial spreading and covenant calculations. We do it in minutes.

financial spreading covenant calculations collateral monitoring interest accruals

Compliance & Audit Readiness

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Every audit is a fire drill. We keep you ready all the time.

HMDA reporting flood determination TRID compliance CRA documentation

Report & Dashboard Consolidation

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Your data lives in 5 systems. Getting one report means asking 3 people. We consolidate it.

portfolio concentration pipeline reports credit quality reviews watch list reports

Risk Detection

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Patterns hiding in your data that your team can't catch at scale. AI finds them.

covenant breaches early warning signals concentration risk collateral deterioration
See How We Work →
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Common Questions About AI for Lending Operations

How do we start?
We start with a 2-week AI Roadmap. Our engineers spend time inside your lending operation — watching how spreads get built, where covenant monitoring falls behind, how loan docs get assembled. The output is a ranked list of workflows by ROI, with implementation timelines and expected savings. No commitment to build beyond the roadmap.
What does my team do differently on day 1?
Almost nothing. The first workflow runs alongside your existing process — AI processes financial statements or covenant data in parallel while your team works normally. Once accuracy is validated (typically 2-3 weeks), we switch over. Your analysts make credit decisions instead of building spreadsheets. The transition is gradual, not a big bang.
How does this work with our loan origination system?
We build on top of your existing systems. We integrate with nCino, Finastra, Baker Hill, and every major LOS. The AI layer connects your LOS to your document management, core banking, and reporting tools. Your IT team keeps managing infrastructure. We build the automation that sits between your systems.
Can AI really handle financial spreading accurately?
Yes, but with a safety net. AI reads tax returns, financial statements, and rent rolls — extracting data into your spreading template. Every spread includes a confidence score. Below the threshold, it routes to your analyst for manual review. Your team corrects errors and the AI learns. Most banks see 85%+ straight-through processing within 60 days.
How do we measure success?
We define success metrics with you before building anything. Typical metrics: time-to-spread, covenant monitoring coverage, loan doc assembly time, and credit decision turnaround. We set up dashboards that show before/after in real-time. If the numbers don't improve within 90 days, we fix it on our dime.
What's the total cost for year 1?
Two options. Per Workflow: $25K-$75K per workflow, best for starting with one high-impact process like financial spreading or covenant monitoring. Dedicated Team: ~$22K/month for 2+ AI engineers embedded in your operation, building multiple workflows continuously. Most lending operations start with one workflow, prove the ROI, then move to a dedicated team.

Your analysts should make credit decisions, not build spreadsheets.

Book a free 30-minute AI Assessment. We'll map your highest-volume workflows and show you the 3 processes with the highest ROI.

Book Your AI Assessment