AI-powered credit analysis for regional banking
Automated credit application review reducing analysis time from hours to minutes, with RCI and LTV risk calculations, credit bureau interpretation, and actionable recommendations.
Project Overview
No One partnered with regional financial institutions to revolutionize their credit underwriting. Manual credit analysis took hours per file and was prone to human error, slowing down loan approvals. We built Basilea, an AI-powered credit intelligence system.
Financial institutions faced long approval cycles (24-48 hours) due to manual processing of bank statements, tax files, and bureau report PDFs, leading to high operational costs and loss of prospects.
Deploy Basilea, reading and evaluating financial files in minutes. Using advanced document extraction and NLP, it extracts borrower income/assets, runs risk analysis (calculating Debt Ratio/RCI and Loan-to-Value/LTV), flags financial warnings, and generates a committee-ready recommendation.
Measurable Impact
95% reduction in credit application analysis time (from 4 hours to under 5 minutes)
100% consistency in applying credit risk criteria across all applications
Zero manual data entry errors reported since system integration
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