Operations

Know your portfolio between reviews.

Credits deteriorate on their own schedule. Annual reviews happen on yours. Uptiq agents collect borrower reporting, test covenants, and watch every credit continuously, so problems surface while there are still options. Your credit officers make every call.

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Running

150+

Institutions Trust Uptiq

The operating gap

You find out at the annual review.

A borrower’s numbers turn in Q1. The financials arrive in Q3. The review happens in Q4. By the time the risk rating changes, the options that were available a year ago are gone. The exposure is not the credit you are watching. It is the one nobody looked at.

Stale by design

An annual review is a snapshot of a business that changed months ago. Between reviews, the file goes quiet.

Watched by exception

Analysts monitor the credits they already worry about. Deterioration starts somewhere else.

Chasing, not analyzing

Your team spends the quarter collecting statements and certificates. The analysis gets whatever time is left.

The shift

From periodic to continuous.

Uptiq does not replace your servicing platform or change who owns the risk rating. It changes how often the portfolio gets looked at, and how much of your team’s day goes to chasing paper.

The way it works today

You review on a calendar

Credits looked at once a year

Analysts chasing financials and certificates

Review packages built from scratch each time

Deterioration found after the options close

The way it works with Uptiq

You watch continuously

Every credit tested as new information arrives

Borrower reporting collected and spread on arrival

Review packages assembled before the date

Deterioration flagged while there are still options

Coverage. Consistency. Currency.

What continuous monitoring looks like.

Every credit watched, not just the ones on the watch list. Every review package built the same way. Every servicing obligation current. Your credit officers review and decide at every step.

Stage 01

Coverage

Every credit, all the time.

A downgrade found early is a conversation. Found late, it is a charge-off. Agents test every credit against your covenants as financials, insurance certificates, and payment behavior arrive, not on a review calendar. Deterioration surfaces the week it starts, with the evidence attached.

Every credit tested, not just the watch list

Covenant breaches and trends flagged with evidence

Risk rating changes recommended, never applied

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Portfolio Monitoring

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Credit Review

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Stage 02

Consistency

The review package is already built.

Most of an annual review is assembly, not analysis. Agents collect the financials, spread them, test the covenants, check collateral and insurance, and compare to the prior review. The package lands before the due date with a recommended rating and the reasoning shown. Your credit officer reads, questions, and decides.

Review packages assembled the same way, every time

Financials spread and compared to prior periods

Rating recommendation with the reasoning shown

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Stage 03

Currency

Nothing lapses. Nothing gets chased.

The back office runs on tickler dates, and the cost of missing one ranges from awkward to unsecured. Agents track what is owed and when, request it from the borrower, read it when it arrives, and file it against the credit. Insurance lapses, missing financials, and UCC continuations surface before they matter. Portfolio reporting assembles as the work happens.

Portfolio reporting that builds itself

Insurance, collateral, and UCC dates tracked to done

Portfolio reporting that builds itself

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Running

Beyond the portfolio

The rest of the back office.

Collections, exceptions, payoffs, end of term, vendor and dealer reconciliation, portfolio reporting. The same approach covers the operations that never make the roadmap. Add it team by team as you prove ROI, or build your own.

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Account Opening Agent

Onboarding Agent

CRE Lending Agent

Equipment Finance Agent

SBA Lending Agent

Offer & Upsell Agent

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Deposit Operations Agent

Fraud Review Agent

Collections Agent

Portfolio Review Agent

Renewal Agent

Covenant Check Agent

Servicing Agent

Before you ask

The questions credit and operations leaders raise first.

Who changes the risk rating?

Your credit officers. Agents surface the deterioration, assemble the evidence, and recommend. The rating, the classification, and the action stay with the people accountable for them.

Who controls the agents?

You do. Agents run under your credit policy and permissions, inside scoped roles, with approval gates you define. You can see what every agent did, and why, at any time.

Will it fit, and how fast?

Agents sit behind your core, servicing platform, and document repository through 100+ integrations. One workflow is live in about five business days. Prove it before you expand.

Governed from the ground up

Every agent runs governed on Qore.

One foundation secures, watches, and constrains every agent: your credit policy, your permissions, your approval gates, your audit trail. What starts as one workflow scales across the portfolio.

Document AI

Reads every document.

Financial statements, tax returns, insurance certificates, and borrowing base certificates read at 95%+ accuracy.

Financial Skills

Knows the work.

Spreading, covenant testing, and risk rating analysis, the way credit teams do it.

Knowledge

Bound to your policies.

Every agent works from the same approved credit policy, and only that.

Integrations

Fits your stack.

Core, servicing platforms, and document repositories connected through 100+ integrations.

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Proof, not promises

Measured on live portfolio operations.

100%

Of credits monitored, none sampled

[X]%

Less time collecting borrower reporting

[X]x

Faster annual review preparation

95%+

Document accuracy

Basis: aggregate results across Uptiq deployments in portfolio and loan operations.

150+

financial institutions already run on Uptiq

SOC 2 Type II

Independently audited security controls.

NIST AI RMF

Aligned to the federal framework for trustworthy AI.

Governed by design

Permissions, approval gates, and a full audit trail on every agent. Your data stays yours.

Resources

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Live Demo

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Know your portfolio between reviews.

You find out at the annual review.