ALEX
Credit UnderwriterSpreads the financials, applies your credit policy and issues the decision with the memo already written.
LendingIn production
BankingCommercial and retail lending
The underwriting team you cannot hire.
Two to fifteen people are carrying the credit decisions for the whole institution, with three or more vendors already in the stack. Adding a fourth is not the answer. Staffing the workflow is. Lending sits inside banking on this site, alongside onboarding and servicing, because that is how a bank is organised.
Banking is not in the first release. The first set of industry pages covers insurance, capital markets and asset management, and credit unions. Banking follows, with retail and commercial lending inside it. If you are a credit union, that page is live now.
FitWho this is for
Who this is built for
If most of this describes you, the first conversation will be short and useful. If none of it does, we will say so.
| Institution | Community and mid market banks, roughly 500 million to 15 billion in assets, with a commercial and retail book. |
| Team | Two to fifteen people in underwriting and credit. Small enough that one departure is a capacity crisis. |
| Current stack | A loan origination system already in place, a manual analyst layer on top of it, and three to five single step tools around the edges. |
| What triggers the search | Margin compression, examiner pressure on AI governance, hiring that is not working, or an acquisition to integrate. |
| Who buys | The Chief Credit or Lending Officer holds the budget. The Head of Underwriting champions it. IT validates it. Risk and compliance have to be comfortable. |
The changeBefore and after
What actually changes
Intake
Files arrive completeThe application and everything attached is read and checked before anyone opens it.
Spread
Financials, doneStatements spread and normalised against your template, not rekeyed by an analyst.
Decide
Inside your policyThe credit decision issued with the memo written and the policy clause cited.
Refer
Only the exceptionsWhat falls outside the mandate arrives on a desk with the reasoning already assembled.
Your origination system keeps doing what it does. The agent works inside it rather than replacing it.
The rosterLending and intake
The lending agents
Start with one. The second inherits every integration and every governance decision the first one earned.
IntegrationNo rip and replace
It works alongside what you already bought
We are not asking you to rip out the origination system you spent two years implementing. LiteCone reads from it and writes back to it.
Your LOS stays
The agent picks the case up where the workflow already puts it and returns the decision to the same place.
Core banking, read only
Balances, history and relationship data inform the decision without the core being touched.
Whatever the file holds
Statements, tax returns, entity documents and the scanned page somebody photographed on a phone.
GovernanceThe five brains
What the examiner will ask, and the answer
Model governance is the reason most of these projects stall. It is the part we built first.
Configurable oversight
You set how much runs on its own, and change it whenever you choose.
Auditable
Every step and every input retained, in the form an examiner asks for.
Creditable
Cited to the policy you set, line by line.
Zero bias
Same input, same answer, every time, and provably so.
Hard-grounded
Grounded in your data and your manual. Nothing invented in the gap.
Secure and compliantISO 27001SOC 2 Type IIModel risk documentation
Start with the queue that
backs up every Monday.
Sixty to ninety days, one agent, priced on what it decides. If it does not hold up against your own underwriters, you stop.