Credit Underwriting Assistant with MRM Compliance
Regional commercial lender, Southeast US
01 / Challenge
Commercial credit underwriting was taking an average of 14 business days per application, with underwriters spending 60% of that time on data gathering and spreading. The bank's model risk committee had rejected three prior AI underwriting proposals for failing SR 11-7 explainability requirements.
02 / Approach
QuettaMinds designed a credit underwriting assistant — not an auto-approval model — that automates data ingestion, financial statement spreading, covenant tracking, and peer comparison, while generating a fully explainable credit memo draft. The system was built from the ground up to satisfy MRM requirements, with a validation framework co-developed with the model risk committee.
03 / Outcome
Average underwriting cycle time fell from 14 days to 6 days. Underwriter capacity increased 58% with the same headcount. The MRM committee approved the system on first submission, citing the explainability framework as a model for future AI deployments. Credit quality has remained flat in the 18 months since go-live.
Representative case study illustrating common agentic-AI deployment patterns in Financial Services; not a specific QuettaMinds client engagement.
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