Loan origination

Commercial and specialty loan origination is 60% assembly: pulling financials, spreading, reconciling against credit policy, drafting the memo. The credit officer's actual judgement applies to maybe 20% of the file.

The bank has tried this. Vendor underwriting platforms automate the easy structured pieces and leave the messy ones — partnership financials, side letters, unusual covenants — to the underwriter, who now also has to fight the platform. Net cycle time barely moves.

• iWhich of your loan categories have enough structural consistency to draft autonomously, and which need underwriter touch from the start?
• iiWhere does your underwriter need full edit control vs. accept the recommended draft as-is?
• iiiHow do we ensure every recommended term is grounded in your policy clause and the closest comparable in your book?
• ivWhat does the audit trail look like for your credit committee and your regulator?

We build the underwriting surface as a working draft: document extraction, spreads, policy mapping, and a credit memo the underwriter edits. Every recommended term is annotated with its policy basis and the closest comparable. The underwriter owns the file; the assembly disappears. Throughput goes up without dropping the bar.

Our practice leads have run credit operations at top-tier banks — they know which corners credit committees will not let you cut. We size the engagement around a single loan category first; throughput compounds from there.