From Spreads to Memos —

AI Underwriting Agent That Delivers

Leverage AI purpose-built for finance to accelerate underwriting, ensure accuracy, and generate comprehensive credit memos in minutes. Our agent comes with native financial skills and an intuitive UI, ready to integrate.

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Automate and Accelerate Underwriting.

More than automation—Uptiq’s Underwriting Agent acts like a financial analyst, with native financial intelligence built in to streamline and strengthen your credit process.

Automate Financial Spreading

Instantly analyze balance sheets, income statements, and cash flow.

Intelligently Extract Data

Understands and pulls critical information from any financial document.

Generate Comprehensive Credit Memos

Drafts detailed, compliant memos with a click.

Powered by Native Financial Intelligence & Intuitive UI.

The Underwriting Agent combines cutting-edge AI with a deep understanding of financial operations:

Full-fledged Financial Spreading Intelligent Financial Document Reader Automated Credit Memo Generation Calculators & Analysis Tools Policy Extraction & Understanding Intuitive Review & Edit UI

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Full-fledged Financial Spreading

Automated analysis of financial statements (balance sheets, income statements, cash flow) with customizable templates.
Supports various accounting standards and industry-specific spreading rules.
Identifies trends and anomalies in financial data.

Intelligent Financial Document Reader

Extracts key data points from PDFs, scans, images, and various unstructured document formats with high accuracy.
Understands financial terminology and context, reducing errors.
Handles complex tables and nested data structures common in financial reports.

Automated Credit Memo Generation

Automatically drafts comprehensive credit memos, incorporating financial analysis, risk factors, and compliance checks.
Customizable templates to align with your institution's specific requirements.
Generates narratives and summaries based on extracted data.

Calculators & Analysis Tools

Integrated tools for ratio analysis, scenario planning, sensitivity analysis, and financial projections.
Provides instant insights into borrower health and repayment capacity.

Policy Extraction & Understanding

Analyzes internal lending policies and external regulatory requirements to ensure compliance within the credit memo.
Flags potential deviations from established guidelines.

Intuitive Review & Edit UI

A clean, easy-to-use interface for reviewing, editing, and finalizing generated spreads and credit memos.
Highlights AI-generated sections for quick verification.

Simple Steps to Smarter Underwriting.

The Underwriting Agent seamlessly integrates into your process, leveraging its built-in capabilities to deliver results.

Upload & Ingest

Securely upload financial statements and supporting documents (e.g., tax returns, bank statements). Our intelligent document reader instantly processes and extracts data.

AI Analysis & Spreading

The agent's native financial skills automatically spread the data, performing complex calculations and identifying key financial metrics.

Credit Memo Draft

Based on the analysis and your institution's policies (understood by the agent's policy extraction skill), a comprehensive credit memo is drafted automatically.

Review & Finalize

Utilize the intuitive UI to quickly review the generated spread and memo, make any necessary adjustments, and approve for finalization. Focus your expertise on strategic insights, not data entry.

Achieve More with the Uptiq Underwriting Agent.

By adopting the Underwriting Agent, your institution can realize:

70%

Reduction in Credit Memo Generation Time

Free up underwriters for higher-value tasks.

Enhanced Consistency & Standardization

Ensure every credit memo meets your highest standards.

99%

Data Extraction Accuracy

Minimize errors and ensure reliable financial analysis.

Data Extraction Accuracy

Minimize errors and ensure reliable financial analysis.

100%

Improved Compliance & Risk Mitigation

Automatically flag potential issues and adhere to policies.

Empowered Underwriters

Shift focus from manual tasks to strategic analysis and client relationships.

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Versatility for Every Underwriting Need.

The Underwriting Agent is ideal for a range of applications, including:

Annual Reviews

Streamline recurring financial assessments.

Risk Assessments

Enhance due diligence with automated insights.

Audit Preparation

Generate consistent, auditable documentation.

Commercial Loan Origination

Accelerate new loan applications.

Portfolio Reviews

Efficiently re-evaluate existing loan portfolios.

Seamlessly Integrate with Your Existing Ecosystem.

The Uptiq Underwriting Agent is designed for easy integration. Leverage our robust APIs to connect with your existing Loan Origination Systems (LOS), accounting software, and document management systems, ensuring a smooth workflow without disruption.

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Seamlessly Integrate with Your Existing Ecosystem.

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Ready to Revolutionize Your Underwriting?

Experience the power of AI with built-in financial intelligence. Request a personalized demo of the Uptiq Underwriting Agent today and see the difference.

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