Botminds
Spreading Process Starter
Automated financial spreading: ingest statements, extract figures, compute ratios, and normalize portfolio data — every number cited to its source page.
- 1
Ingest
Financial statements arrive automatically — PDFs, scans, spreadsheets — in any of the supported languages.
- 2
Extract
AI reads each statement and pulls the key figures, preprocessing messy layouts before extraction.
- 3
Compute
Financial ratios are calculated automatically from the extracted figures, under your own taxonomy.
- 4
Normalize
Data is mapped to your standard chart so spreads compare cleanly across borrowers and periods.
- 5
Review
An analyst verifies each figure against its cited source page and approves the spread.
Financial spreading is where lending slows down: an analyst re-keys figures from statements into a spreading template, computes ratios, and normalizes everything so the portfolio compares like-for-like. It’s essential work, and almost none of it needs a human doing the typing. The Spreading Process Starter automates that pipeline — ingestion, extraction, ratio computation, and normalization — so credit teams get accurate spreads in minutes instead of days.
What it does
Statements come in however they arrive: clean PDFs, scanned images, spreadsheets, in multiple languages. AI-powered preprocessing handles the messy layouts, then extraction pulls the figures that matter — revenue, expenses, assets, liabilities, cash flows — and computes the financial ratios your credit process runs on. Custom taxonomy support means the output lands in your chart of accounts and your definitions, not a vendor’s; normalization keeps every spread comparable across borrowers, periods, and statement formats.
The result is spreading that runs 5× faster than the manual process, with the analyst’s time redirected from typing to judgment. Performance insights show throughput and accuracy over time, role-based access control governs who can see and change what, and system integration pushes finished spreads into the loan origination or portfolio systems you already run. The starter is configurable end to end — the fields extracted, the ratios computed, and the review workflow all adapt to your process.
Why governed matters here
A spread feeds a credit decision, so a silent extraction error is a mispriced loan. This starter is built human-in-the-loop: every extracted figure stays cited to its exact source page, so the reviewing analyst verifies against the original statement in seconds rather than re-reading it — and nothing moves downstream until a human approves. Every step is logged with audit-ready traceability, and regulatory sync keeps the workflow aligned as requirements change. The platform holds GDPR and SOC 2 Type II compliance and ISO 27001:2013 certification, detailed on the Botminds trust portal.