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.

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

  • 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.

1

Upload & Ingest

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

2

AI Analysis & Spreading

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

3

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.

4

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.

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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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.