Turn borrower documents into an AI underwriting summary

AI reads borrower documents, classifies each one, and drafts an underwriting summary with a recommended decision.

How the work actually flows

A straight line. Runs once per each borrower document.

Pattern: Sequence (1) ยท Multiple Instances with a priori Design-Time Knowledge (13)

flowchart TD trig[\"new borrower documents added"\]:::trigdata s0[["classify each document"]]:::mi s1["combine into one file"]:::task s2["ai drafts summary and decision"]:::svc trig --> s0 s0 --> s1 s1 --> s2 out[/"underwriting summary with decision"/]:::out pay{{"faster more consistent loan review"}}:::pay s2 --> out out --> pay classDef task fill:#e7f6fe,stroke:#34b8f0,color:#2c2a29 classDef svc fill:#f6f8fa,stroke:#7c8795,color:#2c2a29 classDef mi fill:#e7f6fe,stroke:#0079a8,color:#2c2a29,stroke-width:2px classDef human fill:#fff,stroke:#0079a8,color:#0079a8 classDef store fill:#f6f8fa,stroke:#0079a8,color:#2c2a29 classDef trig fill:#00a4eb,stroke:#0079a8,color:#fff,font-weight:bold classDef trigtime fill:#00a4eb,stroke:#0079a8,color:#fff,font-weight:bold classDef trigdata fill:#8ad4f5,stroke:#0079a8,color:#06314c,font-weight:bold classDef gate fill:#fff,stroke:#e8a23d,color:#6b4708,font-weight:bold classDef out fill:#1f9d6b,stroke:#167a53,color:#fff,font-weight:bold classDef pay fill:#06314c,stroke:#021f33,color:#fff
Starts itA stepAn outside serviceRuns once per itemResultPayoff
Build size
Advanced

A larger build with multiple systems, AI reasoning, and custom rules.

Business functions
AI Agents & Autonomous SystemsDocument Processing & OCR
Connects
Microsoft OneDriveMistral AIOpenAI
Featured in

The problem it solves

Reviewing loan applications means opening dozens of borrower documents like IDs, paystubs, bank statements, and tax forms, then piecing together a decision by hand. It's slow, repetitive, and easy to miss something in a stack of scanned files.

Who it fits

Loan officers or underwriting teams at lenders and financial services firms.

How it works

  1. Borrower documents are pulled from a shared OneDrive folder
  2. Each file is read with OCR and classified by document type
  3. All documents for a borrower are combined into one file
  4. AI reviews the combined file and drafts a summary with a decision and next steps
What you get

Underwriting summaries ready for a decision

Borrower documents get read, classified, and combined into one file, with a draft summary and recommended decision ready for your underwriter to review.

What you get

A written underwriting summary with a recommended decision and next steps for each borrower.

What you need

A Microsoft OneDrive account, an OCR service, and an OpenAI API key.

We can build this. But should you?

The hard question is not how to build it. It is whether this is the right thing to build first.

That is what a Fractional Chief AI Officer figures out with you, before anyone writes a line of code.

Let's Talk Strategy

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