Underwriting Agent

Your Credit Policy, Executed instantly.

Automate financial spreading, credit memo drafting, and scorecard generation, with a citation behind every number.

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150+

Institutions Trust Uptiq

Automate Financial Review

Replace manual underwriting processes with an integrated financial analysis that normalizes multi-entity borrower data, applies your credit policy, and delivers a decision-ready credit memo automatically.

Financial Spreading

Tax returns, financial statements, and bank statements become clean spreads in your template. No re-keying.

Reads 1040, 1120, 1120-S, 1065, and K-1s

Your policy ratios and global cash flow

Click any number to see its source page

Credit Memo Generation

Memos are drafted in your language and your approval framework. Underwriters review, adjust, and approve.

Trained on your format and prior approved memos

Risk narrative built against your credit policy

A citation behind every number

Scorecard

Your scorecard, populated straight from the spread. Same criteria, applied the same way, on every deal.

Your scorecard model and rating scale

Overrides allowed, logged with rationale

Consistency loan review can verify

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What Leaders See In Practice

More deals per underwriter

Credit officers spend their time on judgment instead of data entry and document chasing

70%

Faster Credit Memo

Faster decisions, more applications processed per underwriter, fewer deals lost to competitor speed

100%

Decisions Documented Against Policy

Every credit decision carries its rationale, source citation, and policy alignment in the file

Works Seamlessly with the Rest of Your Stack

Intake Agent

Automates document intake, validation, and data collection to streamline borrower onboarding.

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Continuous Monitoring Agent

Monitors borrower performance, risk signals, and covenant compliance in real time.

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Explore Integration

Connects seamlessly with core banking, LOS, CRM, and third-party data providers.

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Documents Supported

Processes financial statements, tax returns, bank statements, and supporting credit documents.

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Frequently Asked Questions

Ready to deploy the Underwriting Agent for Commercial Lending?

Our team handles deployment end-to-end - from credit policy configuration and spreading template setup to LOS integration and go-live. Most commercial lending teams are in production within 5 business days, with no disruption to existing workflows.

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