Understand documents. Apply knowledge. Identify required action.
Review loan applications instead of sorting documents
Your lending department receives loan applications, annual financial statements, management reports, trial balances, bank statements, tax documents, partnership agreements and supplementary correspondence every day.
Before your employees can professionally review a financing request, they must open documents, classify content, establish customer or case references, assign documents to a loan application and identify which information or evidence is still missing.
Buildsimple handles these recurring steps. The platform understands your banking and lending documents, compares their content with your approved company knowledge and your existing customer, application and case data, and prepares the next meaningful step.
This enables your employees to identify earlier what is available, what needs to be reviewed and what should happen next.
From inbox to review-ready loan application
CHALLENGE
Your loan processing begins long before the professional lending decision
Before your employees can assess a loan application, all incoming information must be complete, accurate and assigned to the correct customer and case.
A loan application may reach you with numerous attachments. Annual financial statements, management reports, trial balances, bank statements, tax documents, partnership agreements and other supporting documents arrive through different channels. Even within the same document class, format, structure and scope vary depending on the source. Relevant information is contained in documents, emails, existing cases or your approved guidelines.
Your employees must use this information to create not only a complete but also a systematically prepared lending case. This work is necessary. However, it ties up precisely the employees whose expertise you need for creditworthiness assessments, complex financing requests, exceptions and customer support.
RISK
As your document intake grows, your manual work should not grow with it
As the number of your loan applications, financial documents and customer inquiries increases, the workload for your employees rises immediately without automation. The result is not merely a slow inbox, but a lending process that you cannot scale.
BUILDSIMPLE
A process that completes the preparatory work before your employees take action
An OCR solution can read the text in your documents. A language model can understand, assess and summarize content. A workflow can identify and route business transactions. An agent can use systems and act independently.
This allows you to identify matters earlier in the process, respond more quickly, accelerate processing and save costs.
Your business department determines when Buildsimple suggests an action, when the platform prepares a step for your employees, and which clearly defined follow-up actions may be triggered within your approved rules. Buildsimple compiles relevant information for your employees. The platform does not make independent lending or creditworthiness decisions. Your professional responsibility and defined approvals remain in place.
Buildsimple connects for you:
Your incoming documents and emails
Your approved company knowledge, for example lending guidelines, product specifications, work instructions and process requirements
Your existing customer, application and case data
Your professional review, approval and escalation rules
Configurable confidence thresholds and targeted reviews by your employees
Your existing specialist, DMS, workflow and core banking systems
Logical next steps for employees
USE CASES
Your future loan processing
Automatically capture and assign loan applications and financial documents
Buildsimple captures loan applications and associated documents across all intake channels. It classifies the documents and extracts the information your employees need for further processing.
The platform consolidates information from multiple documents into professional lending cases. In the event of uncertain, incomplete or conflicting results, the case is specifically submitted to one of your employees for review.
Lending and product knowledge
Lending guidelines, product specifications and document requirements help identify relevant requirements more quickly and pass them on to your employees.
Process knowledge
Work instructions, process requirements, and approved review and escalation rules show how your lending case should be processed further.
Case and customer knowledge
Customer, application and case data, previous correspondence and documents already available provide the necessary context.
Traceable classification
Your employees can see which information has been consolidated and which document locations form the basis for a result.
Buildsimple therefore does not make independent lending or creditworthiness decisions. The platform compiles relevant information for your employees. Your professional responsibility and defined approvals remain in place.
Dennis Winkler - Head of Central Disbursement, Creditplus Bank AG
Maximilian Dassler - Specialist in digital lending processes, DFKP
Westerwald Bank eG
GET IN TOUCH
Which documents are still missing for a review-ready loan application?
Loan applications, annual financial statements, management reports, bank statements and other supporting documents must be consolidated and matched with customer, application and case data.
We will show you, using your specific process, how Buildsimple supports this preparatory work, makes discrepancies visible and provides information in a structured manner for the lending review. The lending and creditworthiness decision remains entirely with your specialists.
FREQUENTLY ASKED QUESTIONS
FAQ
When is a loan application truly ready for review?
Applications, annual financial statements, bank statements and other supporting documents must be complete, correctly assigned and checked against the relevant lending guidelines. Here we explain how Buildsimple prepares loan documents, highlights discrepancies and creates traceable decision templates.
These may include applications, bank statements, balance sheets, business performance reports, tax documents, identification documents and correspondence. The exact scope depends on the type of loan and the review process.
Buildsimple can use document class, application or customer numbers, content and other metadata to assign documents to the correct case. Unclear cases are made available for review.
Existing documents and data can be checked against defined completeness rules. Missing supporting documents are highlighted so that follow-up questions can be asked earlier and more specifically.
Buildsimple can structure information, check plausibility and prepare decision templates. Whether and to what extent a decision may be automated is determined by your subject-matter and regulatory requirements.
Results can be documented with document references, source locations, rules, confidence levels and processing steps. This makes it possible to trace which information was incorporated into an assessment.