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Solution · Finance & Procurement

3-5 day credit analysis. Now same-day.

Applications processed, documents classified, financials extracted, risk scored by ML. 30-40% auto-approved. Underwriter productivity 2-4x.

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Finance & Procurement · department
Credit underwriting agent3-5 days → same-day

Delivers

  • Same-day decisions
  • 30-40% auto-approved
  • 2-4x underwriter productivity
  • 50-70% operational cost reduction

Time to live8-10 weeks

Where it breaks

Credit decisions take days. Volume can't scale.

Manual credit analysis takes 3-5 days per application. Risk assessment inconsistent across analysts. High-volume periods create dangerous backlogs.

The fix

We process applications, extract financials, and score risk automatically.

Credit underwriting agent · Before / after3 changes
  1. Underwriting time: 3-5 daysSame-day for qualifying
  2. Auto-approval: None30-40% straight-through
  3. Underwriter capacity: Bottleneck2-4x throughput

What we build

An agent is a stack.

2 capabilities working as one, built in your finance & procurement stack.

Credit underwriting agent · capabilities2 parts
Automated document processingApplications from multiple channels. Financial documents classified and key metrics extracted with high accuracy.
  • Multi-channel application intake
  • Tax return and bank statement classification
  • Financial metric extraction
  • High-accuracy data capture
ML-based risk scoringRisk scored using ML models. Decision recommended with supporting analysis.
  • ML risk scoring models
  • 30-40% auto-approval rate
  • Decision with supporting analysis
  • 2-4x underwriter productivity

How it works

Process. Score. Decide.

  1. Step 01Application arrivesMulti-channel intake captures applications automatically.
  2. Step 02AI processes documentsFinancial documents classified, metrics extracted, risk scored.
  3. Step 03Decision delivered30-40% auto-approved. Rest recommended with supporting analysis.

Under the hood

Plugs into your stack.

Credit underwriting agent works inside the tools your team already uses, on infrastructure you own. Typically live in 8-10 weeks.

Credit underwriting agent · Integrations4 connected
  • Credit Bureaus (Experian, Equifax, TransUnion, etc.)
  • Banking APIs (Plaid, MX, or your integration)
  • Loan Origination Systems (Encompass, Calyx, or your platform)
  • Runtime & Orchestration (Trinity by Ability AI)

Time to live8-10 weeks

Questions

Before you ask.

How does ML risk scoring work?

Models trained on historical credit performance data (defaults, payment patterns, financial ratios). AI learns what predicts good vs. risky credits specific to your lending criteria.

What documents can it process?

Tax returns (1040, 1120, 1065), bank statements, P&L, balance sheets, credit reports. OCR handles scanned and digital documents.

What results should we expect?

Lending teams typically see 2-4x underwriter productivity (more volume, same headcount) and 50-70% operational cost reduction. For 500 applications/month at $50 cost per app, that's $150K-$210K/year savings. Plus faster decisions improve conversion by 15-20%.

How long does implementation take?

8-10 weeks from kickoff to production. Week 1-3: Data integrations (credit bureaus, LOS). Week 4-6: ML model training on historical data. Week 7-10: Testing and validation.

Do we own the system?

Yes. You own the system. We build the infrastructure in your stack, hand over the keys, and you own it forever - no vendor lock-in.

Next step

Want this in your company?

Start hereBring one workflowA 30-minute working call. We’ll map your finance & procurement workflow to an agent stack and tell you honestly whether it’s worth building.
Book a call to implementProvide it to my clients
The departmentFinance & Procurement in TrinityEvery solution, agent and question for this department, in one place.

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