Loan-document triage for a Texas credit union
Regional credit union, Texas
- Challenge
- Loan officers were spending the first two hours of every day opening member uploads, checking pay stubs and bank statements against a checklist, and chasing missing pages by email. Applications sat in the queue for three or four days before anyone looked at the numbers.
- Solution
- We built an agent that reads each upload as it lands, classifies the document type, extracts the fields the underwriting checklist needs, and flags gaps back to the member automatically. Nothing is approved by the agent; it assembles a complete file and an audit log, then hands off to an officer.
- Results
- Time to first underwriter review cut from 3.5 days to 1
- Missing-document requests sent within 20 minutes of upload
- Live across 11 branches after an 8-week build
