Automate complex bank statement parsing, transaction-level cash flow reconstruction, and financial analysis so your underwriters can make same-day credit decisions.
Financial Institutions face high volumes of complex applications, but manual income and bank statement reviews delay credit decisions significantly. Reconstructing cash flow from transaction data and reviewing unstructured financial statements are labor-intensive, error-prone tasks.
The Bank Statement Analysis Agent replaces manual statement review with one intelligent loop. From extracting raw transactions to computing complex debt service ratios, it produces decision-ready financial insights.
Measurable impact from lenders and financial institutions that have deployed the Bank Statement Analysis Agent.
Engages borrowers across channels, runs policy-aware pre-screening, and collects required documents autonomously. Packages a complete application for underwriting before a relationship manager touches the deal.
Tracks business relationships after booking. Monitor covenants, financial reporting deadlines, and external risk signals. See issues before they become losses.
Reads tax returns, financial statements, and bank statements and returns clean, structured spreads. Calculates DSCR, debt yield, and the ratios your policy actually requires, with full lineage back to source.
Pre-trained, finserv-specific capabilities that the agent composes on demand to automate financial analysis.
Automatically extracts and categorizes transaction-level data to compute average revenue, net cash flow, and liquidity position
Actively monitors transaction behaviors to identify potential red flags like overdrafts, unusual deposits, and hidden debt patterns
Standardizes line items from P&Ls and balance sheets, spreading multi-year financials to match your underwriting templates
Automatically calculates crucial metrics like Debt Service Coverage Ratio (DSCR), leverage, and profitability ratios across financial periods
Produces multi-dimensional risk scores by evaluating financial data and cash flows against your specific policy benchmarks
Built with 100+ integrations across core banking systems, LOS platforms, CRMs, and third-party data providers, Uptiq works seamlessly within your existing technology stack, without changing how your team operates.
Our team handles scoping, configuration, and go-live. Most financial institutions are in production within 5 business days, with no rip-and-replace of existing systems required.
