Turn underwriting analysis into structured credit memos and scorecards, helping teams focus more on risk evaluation than documentation.
As lending volumes grow, underwriters still spend hours pulling together financial spreads, borrower documents, and supporting analysis to create credit memos. The process is manual, repetitive, and slows decision-making, reducing team capacity while increasing operational costs and documentation inconsistencies.
Transform scattered underwriting inputs into structured, committee-ready credit packages. By combining financial analysis, supporting documentation, and external intelligence, you find comprehensive credit narratives aligned to your institution's standards.
Proven impact from banks and alternative lenders using the Credit Memo Generation Agent.
Automatically extracts, standardizes, and spreads borrower financials, delivering structured outputs that feed directly into credit memo generation workflows.
Automates transaction extraction from bank statements to instantly compute net cash flow, detect behavioral risks like hidden debt, and deliver decision-ready liquidity insights.
Specialized financial capabilities work together behind the scenes to automate memo creation, risk assessment, and documentation workflows.
Creates structured credit narratives aligned to your institution's preferred formats and approval requirements.
Captures and structures information from tax returns, balance sheets, income statements, and other complex financial records.
Generates borrower scorecards using financial performance, credit attributes, and policy-driven evaluation criteria.
Applies institution-specific lending policies consistently across every memo, helping standardize recommendations and exception handling.
Maintains clear source attribution for every statement, conclusion, and supporting data point included in the credit package.
With more than 100 pre-built integrations across core banking platforms, LOS solutions, CRM systems, and external data providers, Uptiq works within the systems your teams already use, automatically pulling information required to generate complete credit packages.
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.
