Qore by Uptiq turns a reviewed loan file into a decision-ready package. Financial analysis, policy checks, proposed conditions and the approval handoff sit together, so lending teams know what is ready and what still needs review.
$1,200,000 term loan · CL-2048
| Decision package | Owner | Status |
|---|---|---|
| Business financials | Analyst | Reviewed |
| Debt schedule | Analyst | Reviewed |
| Guarantor verification | Loan officer | Outstanding |
| Credit memo | Qore | Draft prepared |
| Final decision | Credit officer | Pending approval |
Illustrative Qore workspace · sample borrower data and policy
An application can look complete while key financial evidence or guarantor verification is still outstanding.
Proposed approval conditions drift away from the credit memo and the origination record.
Loan teams lose time finding the right reviewer and assembling the context needed for a decision.
See where your loan decisions wait today, on one of your own files.
Qore connects the analysis to your approval process while final authority stays with your lending team.
Borrower evidence and analytical status come into the review workflow, instead of a checklist reconciled by hand.
Recommendations surface outstanding verification and policy exceptions explicitly.
Permissioned review and clear approval states keep a draft from being mistaken for a decision.
| Capability | Checklists and email | Qore |
|---|---|---|
| Separates missing evidence from actual policy failures | Manual | |
| Repayment analysis traced to source documents | Manual | |
| Proposed conditions kept with the recommendation | Manual | |
| Exceptions shown apart from routine requirements | Manual | |
| Separation between who prepares and who approves | ||
| Decision evidence recorded for later review |
Compare it against how your team assembles a decision package today, on one real loan.
Loan decision support that connects the analysis to the approval process, with final authority kept by your lending team.
Review document status and extraction quality before preparing a recommendation. Qore distinguishes missing evidence from an actual credit-policy failure.
The financial spread, cash flow and relevant lending ratios sit in one reviewable package. Reviewers can follow every figure back to the source evidence.
Check the request against your policy and draft proposed conditions for review. Exceptions stay separate from routine requirements so approvers see what matters.
Prepare the memo, proposed terms and reviewer context. Access controls keep the team preparing the file separate from the person authorized to approve it.
Governed activity and reviewer sign-offs are recorded so teams can reconstruct the analysis and recommendation. Closing and servicing continue in your existing systems.
Illustrative workspace · sample borrower data and policy
Know which outstanding items need attention before approval review.
Assemble a clear recommendation from the reviewed borrower file.
See proposed terms, exceptions and conditions with the evidence behind them.
Carry the approved decision and its requirements into your existing closing workflow.
Tell us where decisions wait longest. We will show you that step on a real loan.
Qore brings role-based access, audited queries, team token budgets and your private credit-policy knowledge base to lending work. Your institution sets the review requirements and keeps decision responsibility.
Origination covers the full journey from application intake through underwriting, approval and closing. Loan decisioning focuses on whether a request is ready for a decision, the proposed outcome and the conditions or authority it needs.
The terms overlap. Loan decisioning emphasizes the application outcome, approval package and handoff; credit decisioning emphasizes the underlying credit-risk analysis and policy evaluation. Qore supports both.
Yes. A recommendation can carry proposed conditions, such as verifying guarantor liquidity. Your institution defines which conditions apply and who must review them.
No. Qore provides governed decision support with human-controlled approvals. It does not promise instant approvals, automated adverse-action notices or a replacement for your servicing system.
Most teams start with one workflow. A single agent typically goes live in 5 business days, and a multi-agent suite in around 30 days.
Bring a recent loan file. We'll show you the readiness check, the conditions and the approval handoff on your documents and your policy.
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Bring a recent loan file. We'll show you the readiness check, the conditions and the approval handoff on your documents and your policy.
A 30-minute conversation with our lending team. No prep needed, and we never share your details.