Origination and
Loan Application
Support
Application and package intake, document collection and follow-up, entity and authority verification, and pipeline and pre-approval support.
THE CHALLENGE
Portfolios Grow Faster
Than the Credit Function
Behind Them
Every new commitment adds a recurring obligation: statements to spread, covenants to test, ticklers to clear and an annual review to complete on time. Origination is funded and celebrated. The monitoring work that follows is absorbed by the same small group of credit analysts who were already fully committed.
The backlog is invisible until it is not. Annual reviews run late, covenant testing is completed from memory rather than from the agreement, exceptions are identified after the borrower’s position has already changed, and examiners or auditors find documentation gaps across a portfolio rather than in a file.
Anaptyss operates commercial credit and lending processes as a managed function inside your existing loan origination and core platforms.
OUR SOLUTION
Credit Operations
Capacity, Plus the AI That
Reads the Documents
We document how a credit moves through your institution today, from application through closing to annual review, including the steps that live in a spreadsheet rather than in a procedure. AI extracts financial statements and covenant terms and tracks compliance against them. Our specialists operate the queues, and your credit officers keep every risk rating, approval, waiver and exception decision.
What We Do
Origination and
Financial Spreading
and Credit Analysis
Statement and tax return spreading to your template, ratio and trend analysis, global cash flow and debt service coverage calculation, and peer and industry data preparation.
Underwriting and
Approval Support
Credit memorandum preparation, risk rating support against your scorecard, policy exception documentation, and committee package assembly.
Documentation,
Closing and Booking
Loan documentation preparation and review, collateral perfection and lien filing, closing coordination, and accurate booking into the core and loan systems.
Loan Servicing and
Payment Operations
Advances and paydowns, rate and payment changes, participation and syndication administration, escrow and insurance tracking, and payoff processing.
Portfolio Monitoring
and Annual Reviews
Financial statement tickler management and chasing, periodic and annual review preparation, risk rating recalibration support, and watch list reporting.
Covenant Tracking
and Testing
Covenant extraction from executed agreements, testing calendar maintenance, compliance calculation, breach identification and waiver documentation support.
Credit Risk, Quality Control
and Regulatory Support
Credit file quality control, loan review support, allowance and credit reporting data preparation, and control documentation and testing for examinations and audits.
Segments We Serve
Commercial and
Industrial LendersBank and credit union C and I divisions managing middle market and small business portfolios.
Commercial Real
Estate LendersCRE portfolios under concentration scrutiny, where documentation and monitoring quality carry examination weight.
Equipment Finance
and LeasingHigh-volume, smaller-ticket originations where speed to approval decides the deal.
Asset-Based
Lenders and FactorsBank and credit union C and I divisions managing middle market and small business portfolios.
SBA and Government
Guaranteed LendersCRE portfolios under concentration scrutiny, where documentation and monitoring quality carry examination weight.
Private Credit and
Direct LendersHigh-volume, smaller-ticket originations where speed to approval decides the deal.
WHERE BANKS START
The Five Most Common
Entry Points
- 01
A Covenant or
Tickler BacklogTesting and statement collection have fallen behind across the portfolio. We bring it current and hold the calendar.
- 02
Overdue Annual
ReviewsReviews are past due and the queue is growing. We prepare them to your template and hand them to your credit officers for decision.
- 03
Spreading
CapacityAnalyst time is consumed by spreading rather than analysis. We take the spreading and return the analysis to your team.
- 04
An Examination or
Loan Review FindingDocumentation or monitoring gaps have been identified with a remediation date. We staff the remediation and evidence it.
- 05
Portfolio Growth
or AcquisitionA growth push or an acquired portfolio adds files that the current credit function cannot absorb or reconcile.
OUR APPROACH
Delivered Through
Digital Knowledge Operations™
Operating Model Built on
Your Credit PolicyWe establish your credit policy, spreading templates, risk rating scorecard, covenant standards and escalation paths before any team structure is set, then build the workflow around them.
Configured to Your
Platform StackYour loan origination system, core platform, spreading tool and document repository define how the work runs. Specialists are trained and certified on your configuration before they work on a live credit.
Continuity Across
the Credit LifecycleThe team that prepares the credit also handles the monitoring behind it, including ticklers, covenant testing and the annual review. Nothing is handed between vendors mid-lifecycle.
Automation Applied Where
Volume ConcentratesStatement extraction, spreading, covenant identification and compliance tracking are handled by accelerators built for commercial credit, not by general-purpose automation adapted to it.
Decision Authority Retained
by Your Credit OfficersRisk ratings, approvals, waivers, exceptions and workout decisions remain with your team. We operate everything around the decision, including analysis preparation, documentation and the audit trail.
AI ACCELERATORS
Purpose-Built AI for
Commercial Credit
Each accelerator is deployed where manual effort concentrates and integrates with the platforms you already
operate. CovenAce™ received the Financial Express AIConic Award for Best Enterprise-Wide AI Transformation.
Covenant extraction from executed credit agreements, financial spreading, covenant calculation and compliance tracking, so testing and annual reviews stay current as the portfolio grows.
Converts financial statements, tax returns, borrowing base certificates, appraisals and loan documentation into structured, workflow-ready data at intake.
Design and operating effectiveness testing of credit and documentation controls, with reviewer sign-off at each step and a complete audit trail for loan review and examinations.
Role-based training and certification for credit analysts, loan administration and servicing staff on your policy, templates and documentation standards.
WHAT IMPROVES
Where the Operating Gains Show
01 Faster Decisions on
New RequestsSpreading and package preparation complete before the credit reaches committee, which shortens time to decision on deals where speed decides the outcome.
02 Annual Reviews and
Covenant Testing on
ScheduleMonitoring runs to a calendar rather than to available capacity, so breaches and deteriorating positions surface while there is still room to act.
03 Analyst Time
Returned to AnalysisCredit analysts spend their time on judgment and structure rather than on data entry, which is both better risk management and better retention.
04 A Credit File That
Survives Loan ReviewDocumentation, testing and rating evidence are captured consistently across the portfolio, so findings are exceptions rather than themes.
Related Insights
Long formWhitepapers
Layered research on governance, model risk, and controls.
WeeklyBlog
Short signals from teams building AI inside regulated walls.
Practitioner guideseBooks
Step-by-step playbooks you can hand to an operating team.
Live & on demandWebinars
Sessions with practitioners, broadcast and archived.
How Many of Your Annual Reviews and
Covenant Tests Are Currently Past Due?
Most lenders know the number is higher than they would like to report, and it grows with every new commitment. A short review of your tickler position, spreading queue and review calendar will show what is behind and what it takes to bring it current and keep it there.