Borrower
Onboarding
Digital intake built for corporate, SME and enterprise borrowers, with documents captured, indexed and routed into your workflow at intake rather than collected after the fact.
THE CHALLENGE
Manual Steps Do Not Scale
With Deal Flow
Disconnected systems, manual spreading and covenant packages tracked in spreadsheets slow every stage of the loan lifecycle. When deal flow increases, teams either work beyond capacity or decline business.
Anaptyss adds trained capacity and automation within your existing credit policy and systems, from first borrower contact through the life of the facility.
OUR SOLUTION
One Team Across the
Full Loan Lifecycle
Rather than staffing individual tasks, Anaptyss runs the lending process end to end, from onboarding and spreading through underwriting support, closing, servicing and covenant monitoring, with AI accelerators built for document-heavy lending work. Underwriting authority stays with your credit team. The processing volume around that decision moves to Anaptyss.
What We Do
Lending Operations We Run
Borrower
Underwriting
Support
Projections, peer comparisons and sensitivity analysis prepared for your credit team, with rating rationale and policy exception tracking maintained alongside the analysis.
Closing and
Documentation
Pre-funding diligence, collateral verification and contract review completed on schedule, with credit agreements and closing documentation drafted to your standards rather than a generic template.
Booking and
Funding
Approved transactions entered into your core system, limits established and funds released, with every step of the file traceable back to the underlying documentation.
Regulatory and
Compliance Support
KYC and AML screening built into the workflow, Dodd-Frank 1071 data capture completed as part of the standard process, and support through benchmark and reference rate transitions.
Core System
and Data Migration
Legacy lending data cleaned, structured and migrated to modern platforms such as nCino or Fusion Loan IQ, without disrupting live originations.
Loan Servicing
Day-to-day payment processing and account servicing, together with the modifications an active book requires, including extensions, line increases and restructures, managed without disrupting the borrower relationship.
Financial
Spreading
Statements and tax returns extracted through cognitive OCR and mapped directly into your spreading conventions, removing the manual re-entry that slows underwriting and introduces errors.
Portfolio
Surveillance
Ongoing revaluation of borrowers, guarantors and collateral, watch-list management, and negative news screening to identify deteriorating credits before they move into workout.
Covenant
Monitoring
Covenant registers built from the executed agreement, testing completed on schedule, and breaches reported with supporting evidence attached.
OUR APPROACH
Delivered Through Digital
Knowledge Operations™
Anaptyss does not deploy a standard team template. We document how your files move today, then operate that process with AI accelerators handling repetitive work and specialists retaining review and decision responsibility.
We Start by Codifying Your Policy
Before any file is processed, we document your underwriting standards, spreading conventions and covenant framework in detail. Analysts are trained and tested against that documentation, and it is updated whenever your policy changes.
The Same People, Every Time
There is no rotating pool. You are assigned a fixed team of analysts, a team lead and a quality reviewer who become familiar with your borrowers, your book and your systems, and who work directly within your LOS, spreading tools and document repository.
AI Applied to the Document-Intensive Work
Index.AI classifies and routes borrower documents at intake, so no file waits to be indexed. CovenAce extracts covenants and financial data from executed credit agreements. Fluent trains analysts against your credit policy before they touch live files. ANA supports the control testing and evidence trail internal audit and examiners require.
Credit Decisions Remain With Your Team
Analysts prepare the analysis and the recommendation. Your credit officers make every decision. Every file carries its inputs, its reviewer and a date stamp, providing a complete record from origination to payoff.
AI ACCELERATORS
Purpose-Built AI Applied Across the
Lending Lifecycle
Accelerators are deployed selectively, based on where your process carries the most manual effort. Each one
operates inside your existing systems rather than replacing them.
Credit intelligence. Extracts covenants and financial data from executed credit agreements, performs financial spreading, and tracks covenant compliance against the agreed terms.
Document classification and data extraction. Converts borrower financial statements, tax returns and closing documents into structured, workflow-ready records at the point of intake.
Control assurance. Supports design and operating effectiveness testing of lending controls, with reviewer approval and the documented evidence trail internal audit and examiners require.
Digital learning and knowledge management. Delivers role-based courseware for analysts and servicing staff, so new capacity is trained against your credit policy before it handles live files.
AML and financial crime screening. Supports watchlist and sanctions screening, KYC risk profiling and alert investigation across borrower, guarantor and beneficial owner checks.
WHAT IMPROVES
What Changes Once Lending
Operations Move to Anaptyss
Cycle Times Shorten
Spreading and document collection stop being the constraint, so files move from application to close in fewer days.
Credit Officers Spend
Their Time on DealsSpreading, intake and covenant maintenance move to the managed team, leaving your credit officers available for structuring and borrower conversations.
Covenant Breaches
Identified on ScheduleCovenant testing is completed to a set schedule rather than on an ad hoc basis, so issues are identified while remediation is still possible.
Volume Peaks Absorbed
Without BacklogTrained capacity is added as your pipeline grows, so a strong origination quarter does not create backlog or declined deals.
INSIGHTS
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See Where Anaptyss Can
Reduce Manual Effort
Tell us where your lending operation is carrying manual effort. We will show you what a managed team and purpose-built AI would change.