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Stop manually reviewing statements page by page. Uptiq's AI agents ingest bank statements in any format, classify transactions, verify income, and deliver structured outputs — cutting consumer underwriting from days to hours.
Trusted by financial institutions across banking, lending & credit
The Problem
A single bank statement review takes 30–60 minutes per borrower. Multiply that across your consumer pipeline — and across multiple months of statements — and the math doesn't work at scale.
Consumer lending teams spend hours per application manually scanning bank statements for income patterns, average daily balances, NSF events, and cash flow trends. This work is repetitive, error-prone, and doesn't require credit judgment — it requires attention to detail that AI is better suited to deliver at scale.
The risk of doing this manually isn't just speed — it's consistency. Different analysts make different calls on the same statement. Underwriting policy gets applied unevenly. Examiners find gaps in documentation.
Consumer lending teams using manual bank statement review average 5-day decision cycles — costing both conversion and borrower experience at the moment of highest intent.
The Solution
Uptiq's Pre-Underwriting Superagent automates bank statement ingestion, transaction classification, income verification, and cash flow analysis — delivering a structured summary your underwriters can act on immediately.
Bank statements arrive via borrower portal, email, or document upload in any format — PDF, scanned, or digital export from any US bank.
AI classifies every transaction — payroll, deposits, NSF events, recurring payments, transfers — with consistent logic across every application.
Identifies income sources, calculates average monthly income, flags volatility, and validates consistency across multiple statement months.
Outputs a structured income verification summary into your LOS or underwriting workflow — with full audit trail for examiner readiness.
The result: consumer underwriting decisions that took 5 days now complete in under 4 hours. Your credit team reviews a pre-analyzed summary instead of raw statements — spending their judgment on the edge cases, not the routine verifications.
Uptiq connects directly to your existing LOS and consumer lending workflow through 100+ native integrations. No rip-and-replace required, and your IT team isn't managing an implementation project.
Key Benefits
Consumer underwriting decisions that once took 5 days now complete in under 4 hours. Your team spends time on decisions, not on reading statements.
Every application gets the same classification logic applied uniformly. No analyst-to-analyst variation, no policy applied unevenly, no examiner gaps.
Every income classification decision is logged with rationale and source. Examiners get a complete, traceable record — not a manual rebuild of what an analyst thought.
Process 3, 6, or 12 months of statements from any US bank in any format — consistently — without linear headcount growth as volume scales.
Works with your existing LOS and consumer lending workflow. Structured outputs land where your underwriters already work. 100+ native integrations.
Automatically flags NSF events, irregular cash flow patterns, large unexplained deposits, and income volatility — surfacing the signals your policy cares about.
Capabilities
Processes PDF, scanned, and digital exports from all major US financial institutions. No reformatting required — the AI normalizes across layouts automatically.
Classifies every transaction by type — payroll, business deposits, transfers, recurring payments, NSF events — using your institution's configured category logic.
Identifies and validates income sources, calculates average monthly income across statement months, flags irregular patterns, and outputs a structured income summary.
Structured outputs delivered directly into your loan origination system, consumer underwriting platform, or workflow. No manual re-entry, no handoff delay.
Sample Analysis Output
Illustrative output structure. Actual values extracted from borrower documents.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
How It Works
Statements arrive via your existing borrower portal, email, or document upload channel — in any format, from any US bank. No new submission process required for borrowers.
Every transaction across every submitted month is classified — income, transfers, payments, NSF events, irregular deposits. Consistent logic, every time, regardless of statement format or source bank.
Average monthly income is calculated, income sources identified, cash flow trends assessed, and risk signals — NSF events, volatility, irregular patterns — flagged for your underwriting policy.
Your underwriters receive a complete, audit-ready income verification summary directly in your LOS or workflow — not raw statements. They review the analysis, not the pages.
Common Questions
Book a 30-minute session. Bring your own bank statement — we'll run the analysis live and show you what your underwriters would see.
150+ financial institutions have replaced manual bank statement review with Uptiq's AI-powered analysis.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
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