Collateral & Structure Assessment

When credit asks what protects the bank if cash flow fails, the answer lives in a stack of documents: appraisals, guaranty agreements, security agreements, title reports, loan documents. Pulling a defensible answer out of that stack is slow, senior-analyst work — and it is done a little differently on every deal. This solution makes it fast, consistent, and auditable.

What it reads

The platform ingests the collateral package in whatever form it arrives — scanned appraisals, executed guaranties, loan agreements, UCC filings, Word memos, Excel schedules — and extracts what the assessment actually needs: collateral type and appraised value, lien position and perfection status, guarantor obligations and the support written into the guaranty language, covenants, and the structural protections embedded in the loan documents. Values and terms are cross-checked across documents, so a valuation that disagrees with the schedule, or a guaranty that caps lower than the memo assumes, gets flagged instead of slipping through.

The assessment it produces

The output is a structured assessment: collateral strength measured against the exposure, guarantor support quantified from the actual agreement text, and loan structure evaluated against your credit policy. Every data point links back to its source page — a reviewer clicks from the finding to the clause or figure behind it. Because the same method runs on every deal, assessments are comparable across analysts, deals, and the whole portfolio, instead of varying with whoever wrote them.

Nothing is decided by the machine. Credit officers review and approve every assessment, and the full trail — what was read, what was extracted, who approved — is preserved for internal review and examiners. Routine assembly work moves off senior analysts, and what reaches the credit committee is a regulator-ready artifact rather than a summary that has to be re-verified by hand.