Meet Vera. Your second line samples. Vera reads every file. Every loan reviewed against your credit policy, with the evidence attached.
412 files reviewed this week. 9 deviation breaches without recorded approval, 3 income mismatches over 20%, 1 tampering signal escalated. Every finding cited to the page. 14 memos waiting for sign-off.
What Vera does, item by item.
The whole queue, not a sample. Every finding cited back to its source.
Reads the full file: application, KYC, bank statements, appraisal memo, sanction letter.
Checks every file against your credit policy, not a generic checklist.
Cross-checks the numbers: income in the memo versus income in the statement.
Flags LTV, FOIR and deviation breaches, and checks the approval trail behind each one.
Spots document tampering signals and inconsistencies a sampled review never sees.
Writes the review memo with page-level citations, ready for your reviewer to sign.
- ·The judgment call
- ·The final rating
- ·The conversation with credit
- →File-by-file policy review
- →Cross-document consistency checks
- →Review memos with evidence
Vera never touches the loan system. She reads, checks, and drafts findings. A named reviewer approves every memo before it counts.
How it earns trust.
Pilot on your history, supervised on your queue, governed always.
Runs on a historical corpus your team already reviewed. You score its findings against what your reviewers caught. No production access.
Works the live queue. Every finding is a draft until a named human approves it, and every rejection is logged and measured.
The envelope never relaxes. Reading, checking, and drafting get automated. Approval stays human, by design.
The hand-off.
How Vera pings a human when it's your call.
The honest answers.
No dodging, no contact-sales-to-find-out.
Does Vera decide anything on her own?+
How is this different from our sampling-based review?+
Where does she run?+
Put Vera on the queue.
Start with a paid pilot on your historical corpus, finished in weeks. Then a full deployment over 3 to 4 months, with a forward-deployed team working alongside your people.
