What is an underwriting OS?
The credit workflow, in one system
- 1
Document intake
- 2
Financial spreading
- 3
Risk analytics
- 4
Credit memo generation
- 5
Portfolio monitoring
End to end
The five stages of the credit workflow
- 1
Document intake
Collect documents from email, cloud drives, and direct borrower uploads. The system auto-categorizes them against a checklist by deal type and tells you what is still outstanding, so analysts stop chasing files.
- 2
Financial spreading
Extract and standardize financial statements, bank statements, tax returns, and rent rolls, including the scanned and handwritten ones. The AI extracts, our experts verify, and your team reviews the exceptions.
- 3
Risk analytics
Compute the metrics underwriters actually use: DSCR, NOI, cap rate, debt yield, EBITDA, leverage, LTV, and global cash flow, calculated the same way on every deal.
- 4
Credit memo generation
Draft the credit or investment memo from the spread figures and the source documents, in your template and to your credit policy, ready for the analyst to refine.
- 5
Portfolio monitoring
Ingest periodic reporting after close, track covenant compliance, and flag metric drift early, with drill-down to the individual credit before it becomes a problem.
Why an OS
Not another point tool
Your process, applied consistently
The system learns your underwriting framework, your definitions, and your credit policy, then applies them the same way on every deal and across every analyst. No more spread-by-whoever-picked-it-up.
An audit trail that holds up
Every figure links to its source document and the calculation behind it. When an examiner, an auditor, or an LP asks how you got a number, you show them. That is the part manual spreading cannot reproduce later.
Vision-grade document AI
Real borrower files are messy: scans, photos, handwriting, and layouts that change every quarter. The document AI reads them and turns them into structured, verified data instead of a re-keying job.
Scales without adding headcount
Evaluate more deals and monitor a larger book in parallel. Quality stays consistent whether the desk runs ten deals a month or a thousand.
Outcome-as-a-service
You get the work product, not just the software
- 75%
- faster from document collection through credit committee
- 86%
- straight-through processing, with reviewers on the exceptions that need judgment
- 100%
- audit trail, with every output traceable to its source document
Who it is for
Built for regulated credit teams
Private credit and direct lenders
Spreading, leverage metrics, investment memos, and covenant monitoring across the portfolio.
Commercial and community banks
Back office credit automation: DSCR, debt yield, global cash flow, and credit memos, with an examinable file every time.
CRE lenders
Rent roll and operating statement extraction, then NOI, cap rate, DSCR, debt yield, and LTV across property types.
Private equity firms
Diligence and portfolio company financial analysis at the speed deals actually move.
Frequently asked questions
What asset classes does VisibleSignal support?+
VisibleSignal supports private credit, commercial real estate (CRE), CLOs, fixed income/bonds, and mortgage lending. The platform adapts to each asset class's specific metrics, document types, and underwriting frameworks.
How does VisibleSignal handle CRE-specific analysis like NOI, Cap Rate, and DSCR?+
VisibleSignal extracts data from rent rolls, operating statements, and property financials. It computes NOI, Cap Rate, DSCR, Debt Yield, and occupancy metrics automatically with cross-document validation.
Can VisibleSignal process different financial statement formats across geographies?+
Yes. VisibleSignal handles US GAAP and IFRS. It supports scanned, handwritten, and digital documents including financial statements, bank statements, borrowing base certificates, and tax returns.
How does the AI handle ambiguous or missing data?+
The system flags missing or inconsistent data rather than making assumptions. Analysts see exactly what was extracted, what could not be found, and what needs manual review.
Can I customize underwriting templates, ratios, and credit policies?+
Fully configurable. You define the ratios, KPIs, risk thresholds, and report templates. VisibleSignal applies your framework consistently across every deal.
How does portfolio monitoring work for CLO and bond portfolios?+
Automated ingestion of monthly and quarterly reports. VisibleSignal tracks covenant compliance, key metric drift, and surfaces early warning signals across the portfolio with drill-down to individual credits.
What integrations do you support?+
Native integrated intelligence inside MS Word and Excel, email and cloud drive ingestion, API access, and configurable export to Word/PDF. VisibleSignal works within the tools your team already uses.
How do you handle multi-entity and holding company structures?+
VisibleSignal can consolidate financials across entities, map intercompany relationships, and produce analysis at both entity and consolidated levels.
What security and compliance certifications do you hold?+
SOC 2 Type II, ISO 27001, GDPR, and CCPA certified. VisibleSignal is architected to meet requirements from US banking regulators and the EU AI Act.
How quickly can our team get started?+
Most teams are live within weeks. VisibleSignal adapts to your existing underwriting framework, so there is no need to change your process.
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.
What does 'outcome-as-a-service' mean for lending?+
It means we hand you the finished work product, not just a tool to produce it. You get spread financials, a drafted credit memo, and a monitored portfolio. The AI does the extraction and the analysis, our experts verify the result, and your team reviews and signs off. You are not configuring software and hoping it works on your documents.
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 do you handle model governance and risk controls?+
We keep a human in the loop on every extraction and analysis, version the models and prompts behind each output, and give your model risk team full traceability. The platform is built to line up with US banking supervisory expectations and the EU AI Act, so your second line can document and defend how it is used.
Where is our data hosted, and do you support private deployment?+
We offer data residency in the US, EU, and India, and we support single-tenant and VPC or private deployments for regulated institutions. Enterprise customers pick their region and isolation model, and nothing is shared across tenants.
Should we build underwriting automation in-house or buy it?+
Building it yourself means standing up document AI, spreading logic, model governance, and integrations, then keeping accuracy up as borrower documents and your credit policy change. That is a multi-quarter program with ongoing maintenance. VisibleSignal ships as a configured underwriting OS that adapts to your framework, so most teams reach production in weeks.
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.
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.
See the underwriting OS on your own documents
Bring a borrower package and watch VisibleSignal collect it, spread it, analyze it, and draft the memo, with every figure traced to source.
