Smart Credit Application Review
Multi-dimension validation (identity / income / bank statements / credit bureau) — 30-second underwriting recommendation.
Lee, a consumer-loan underwriter at a regional bank, handles 30 mortgage applications a day. The worst part is reconciling 'payroll deposits in the bank statement' with 'W-2 stated income.' She drops the full application package into the assistant — 30 seconds later: 5 core metrics + anomaly list + underwriting recommendation.
🎮 Interactive demo
Real functional demo · auto-plays after case selection📂 Document Classification
🛠️ ResNet50 document classifier + LayoutLM-v3Auto-identifying 7 document types · 99.5% accuracy
⚙️ AI processing pipeline
Tech stack, concrete operations and processing time at each step
Document classification & detection
⏱ 1.2sIdentifies 7 document types (ID, W-2, pay stubs, bank statements, credit report, purchase contract, down-payment proof); layout parsing at 99.5% accuracy.
Key-field extraction
⏱ 2.1sExtracts 38 fields: SSN, name, employer, income amount, statement dates, deposits/withdrawals, credit inquiries, debt, delinquencies.
Cross-document consistency check
⏱ 0.5sVerifies name/SSN consistency across all 6 documents; deduces household-relation chain; fuzzy-matches employer name variants (allows "Inc.", "LLC", "subsidiary").
Deep statement analysis
⏱ 3.8sDetects monthly payroll cadence (date, amount, memo keywords); flags large abnormal movements (>3σ); identifies "structuring" attempts (round-trip amounts, same-day reversals).
Income cross-validation
⏱ 1.4sCompares W-2 income $X, payroll deposits $Y, tax-return income $Z; computes match score; <10% diff passes, 10-30% review, >30% blocks.
Credit report interpretation
⏱ 2.6sExtracts 24-month inquiry count, credit utilization, total balance, delinquency history; maps to 5-tier risk grade per bank policy.
Capacity scoring + decision
⏱ 0.9sCombines DTI, statement stability, credit grade, source of down payment — 5-dimension score (0-100); outputs approve / conditional / decline / refer-to-human.
💰 ROI across three dimensions
Itemized indicators across each dimension for a complete view
Financial
Efficiency
Organizational
🧩 AI capabilities used
Want to deploy in your Finance & Banking?
Orion 4-12 weeks delivery · on-premise option · fully compliant