Credit Decisioning Copilot
Document reading, income consistency checks, and affordability ratios for credit officers.
Credit Decisioning Copilot
Underwriting copilot accelerating credit evaluations with absolute document transparency.
How It Operates
Credit officers receive loan requests accompanied by disparate documents (national IDs, pay stubs, 3-6 month bank statements). Credit Decisioning Copilot automatically parses documents, cross-verifies stated figures against actual statement line items, calculates debt-to-income (DTI) ratios, and presents a structured dossier with recommended next steps. The human officer retains sole decision-making authority.
Operating Workflow Steps
Applicant & Document Intake
Applicant submits loan request details alongside supporting documents: national ID, recent payslips, and certified bank statements.
Intelligent Document Reading
AI reads and extracts verified figures from PDF and image uploads, checking for text tampering, unreadable scans, and missing pages.
Financial Consistency Verification
Automatically cross-references declared monthly income and obligations against verified statement credits and debt debits.
Affordability & DTI Computation
Calculates the underlying affordability figures — such as debt-to-income ratio and disposable surplus — reliably in the background.
Officer Summary & Suggested Next Steps
Presents the credit officer with organized flags and a clear recommendation: proceed to review, request more documents, or escalate to a senior underwriter.
How Staff Use It Today & Where It’s Headed
How Staff Use It Today
Staff currently submit one applicant at a time, with that applicant’s supporting documents attached, and review the results on screen.
Where It’s Headed Next
Planned capabilities in delivery for this product solution:
- • Bulk spreadsheet upload: allowing credit teams to upload batches of loan applications simultaneously.
- • Email to reviewing agents: automatically dispatching completed credit dossiers to assigned underwriters for instant sign-off.
Why It’s Built This Way
Engineered for regulatory compliance, transparency, and operational trust.
The AI narrates and classifies — it does not make the final call
Every process keeps a human decision-maker firmly in the loop. The software surfaces organized summaries and calculation transparency, while human officers make every final decision.
Nothing is silently dropped or hidden
If a record cannot be processed, an upload row is incomplete, or a document cannot be verified, it is flagged clearly and prominently rather than silently skipped.
Multi-market from the start
The platform does not assume any single country's rules, document standards, or currency — engineered from the outset to work across diverse markets without rebuilding.
Connect Database or Ingest Datasets For Credit Decisioning
Open the dedicated workspace console to link your PostgreSQL, Oracle, or Snowflake datastore, test bulk spreadsheet uploads with instant preview, run single-record live inferences, or stream through REST webhooks.
Connect Database & Test Live