Automate complex document extraction and financial spreading so your underwriters can focus on risk judgment and make same-day credit decisions.
Financial institutions face high volumes of complex credit applications, but manual financial spreading slows down the process. Underwriters waste hours deciphering unstructured tax returns, re-keying data into spreadsheets, and cross-referencing numbers. This fragmented "swivel-chair" integration causes inconsistent policy application and inflates operating costs.
The Financial Spreading Agent transforms financial spreading into a streamlined, automated process. From interpreting raw information buried in unstructured documents to calculating complex credit metrics, it delivers analysis-ready outputs aligned to your institution's underwriting standards.
Tangible improvements achieved by banks and lending institutions using the Financial Spreading Agent.
Speeds up underwriting by autonomously extracting transaction data from bank statements to compute cash flow, detect hidden risks, and deliver decision-ready insights.
Creates comprehensive credit memorandums and risk summaries in minutes by combining approved financial analysis, loan documentation, and external data sources within your institution's preferred format.
Purpose-built financial intelligence components that work together to automate complex analysis workflows.
Automatically classifies incoming documents and verifies completeness against lending requirements.
Captures and structures information from tax returns, balance sheets, income statements, and other complex financial records.
Maps and standardizes financial information across multiple periods to align with your institution's underwriting formats
Calculates essential credit metrics including DSCR, leverage, liquidity, and profitability measures while evaluating performance trends.
Identifies policy exceptions, inconsistencies, and potential errors automatically while routing them for human review.
With more than 100 pre-built integrations spanning core banking platforms, Loan Origination Systems, CRM solutions, and third-party data providers, Uptiq fits naturally into your existing technology environment. Your teams continue working in familiar systems while intelligent automation operates seamlessly behind the scenes.
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.
