Underwriting automation for commercial banks
The workflow, in one system
- 1
Intake
- 2
Spread
- 3
Compute DSCR & global cash flow
- 4
Draft the credit memo
- 5
Document & monitor
The problem
What slows commercial bank lending down
Tax-return and financial spreading is a bottleneck
Credit analysts manually spread business and personal returns, K-1s, and financial statements for every borrower and guarantor.
Global cash flow is tedious
Combining business and guarantor cash flows by hand is slow and error-prone, and it differs analyst to analyst.
Exam and credit-review pressure
Inconsistent files and undocumented assumptions make examinations and loan review harder than they should be.
Turnaround affects the borrower experience
Slow credit decisions lose deals to faster lenders.
How it works
How VisibleSignal automates it
- 1
Intake
Collect financial statements, tax returns, and bank statements via upload, email, or cloud drive, tracked against a checklist by loan type.
- 2
Spread
AI extracts and standardizes business and personal financials and returns, including the scanned and handwritten ones, and our experts verify the exceptions.
- 3
Compute DSCR & global cash flow
DSCR, debt yield, leverage, and combined business-plus-guarantor global cash flow calculated to your bank's definitions.
- 4
Draft the credit memo
A credit memo is generated from the spread figures and source documents, in your template and to your credit policy.
- 5
Document & monitor
Every assumption is traceable to source for credit review and exams; covenant and reporting monitoring runs post-close.
Outcomes
Same rigor, a fraction of the time
- 86%
- straight-through processing for credit businesses, with reviewers on exceptions
- 100%
- audit trail, with examinable, consistent files across analysts
- Weeks
- to deploy; works within the tools your team already uses
Frequently asked questions
What is an underwriting OS?+
An underwriting OS runs the whole credit workflow in one place: document intake, financial spreading, risk analytics, credit memo generation, and portfolio monitoring. Instead of moving a deal between a data room, three point tools, and a stack of spreadsheets, you run it in one system. VisibleSignal applies your underwriting framework and credit policies the same way on every deal, and every output ties back to the source document it came from.
Is AI underwriting auditable and explainable?+
Yes. Every figure links to the source document and the calculation behind it, so when an examiner, an auditor, or an LP asks how you got a number, you can show them in one click. VisibleSignal applies the same logic to every deal and keeps a complete audit trail, which is usually the part manual spreading cannot reproduce six months later.
How accurate is the extraction, and is there human review?+
AI extracts, our experts verify, and your analysts review the exceptions. In practice that turns a multi-day spreading exercise into a quick validation. Credit businesses run up to 86% straight through, with people focused on the cases that actually need judgment rather than re-keying a T-12 into Excel.
How does VisibleSignal help commercial banks underwrite credit?+
We automate the back office of credit. VisibleSignal spreads business and personal returns and financial statements, builds global cash flow including the guarantor, calculates DSCR and debt yield, and drafts the credit memo. Commercial lenders shorten turnaround without adding headcount, and loan review gets a consistent, examinable file every time.
Does VisibleSignal have customers?+
Yes. VisibleSignal runs in production at large enterprise clients across banking and private credit. Most of them prefer that we do not name them publicly, so we keep those relationships confidential. The product is mature and proven in the US market, and we are glad to walk through relevant, anonymized references under NDA on a call.
Who uses vishwa.ai?+
Large banks and private credit firms use VisibleSignal for live underwriting and portfolio monitoring. We do not publish a client list because our customers prefer to keep their use of the platform confidential. It is an established, production grade system in regulated US lending, not a pilot.
Can you share customer references or case studies?+
Our enterprise clients in banking and private credit prefer to stay anonymous, so we do not post named case studies. We can take you through real, anonymized outcomes and arrange references under NDA during a demo. VisibleSignal is a proven product in the US market, with enterprise deployments already in production.
Is VisibleSignal proven, or is it early-stage?+
VisibleSignal is a mature, production grade platform used by large enterprises across US banking and private credit. It is not a pilot stage tool. We keep client names confidential at their request, but the product is proven at scale in regulated US lending.
Speed up bank credit decisions
See VisibleSignal spread a borrower's returns, compute global cash flow, and draft the credit memo, with an examinable audit trail.
