Automated Credit Decisioning: Features

Our automated credit decisioning system has forever transformed how banks and credit unions do lending.

The Automated Credit Decisioning System

Automated Credit Decisioning System

Credit Decision Engine, Powered by Machine Learning

Algorithms and processes drive our credit decision engine to continuously improve through machine learning.

Cross-verification of data sources enables management to further automate, optimize and upgrade the quality and capability of the credit decisioning process.

More Robust Credit Risk Analysis

Our automated underwriting system simultaneously reviews real-time bank data, personal and business credit bureau results, KYC/AML information, and our IROS™ score.

Quick Access to Probability of Default Percentage

The probability of default percentage is calculated based on traditional and real-time data sources including bank records.

Transaction Tagging and Categorization

With our automated underwriting system, you can easily upload financial statements in PDF format and our categorization process will rapidly classify transactions to determine the current health of the business based on payments made or non-payments (e.g. NSF cheques).

Prepopulated Customer Data from LOS

Quickly see what client data points are still required and notify borrowers of the next steps.

Configurable and Scalable

Configurable White Box (not black box) risk analysis model to support your risk threshold, with full visibility into decisioning layers.
Configurable Business Logic to support your credit policy and procedures.
Configurable Workflow to manage appeals and manual underwriting.
RESTful APIs to integrate into your current/future technology stack: LOS, core banking system, etc.

Launch with Confidence

User Management to manage data access roles and permissions.
Auditable Activity Log to track modifications and decisions in the underwriting process.
Low-cost, Low-IT Resource Implementation.

JUDI.ai

IN THE NEWS

Sunova Credit Union Partners with JUDI.AI to Transform its Small Business Lending Experience
November 5, 2020