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Credit & Underwriting
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Decision velocity
21 min
Median decision time
Risk mix shift
Tier A +6%
Week-over-week
Data freshness
6 min
Last refresh 09:24

Credit & Underwriting

Advanced credit decisioning platform with AI-powered risk assessment, automated underwriting workflows, and comprehensive policy management. Real-time monitoring of approval rates, portfolio performance, and compliance.

Last Updated: Dec 19, 2025 09:15 AM
Lead Underwriter: Marcus Chen
Team: 23 Underwriters
Today's Apps: 1,243
8.4%
1,243
Applications Today
Pending Review 387
In Progress 234
Approved 512
Declined 110
2.3%
68%
Approval Rate
This Week 68.4%
Last Week 66.8%
This Month 67.2%
Target 65%
0.8%
3.2%
Default Rate (90+ Days)
30 Days 1.8%
60 Days 2.4%
90+ Days 3.2%
Charge-Off 1.2%
5.2%
$850
Avg Credit Line
Prime $1,200
Near-Prime $850
Subprime $500
Deep Subprime $300
12%
4.2min
Avg Decision Time
Automated 2.1min
Manual Review 8.5min
Complex Cases 18.2min
Target 5.0min
3.7%
82%
Auto-Decision Rate
Straight Through 82.4%
Manual Review 14.8%
Referred 2.8%
Target 85%

Underwriting Tools

AI-Powered

Decision Engine

AI-powered credit decisioning with customizable risk models, approval matrices, and real-time scoring.

82% Auto-Decision
2.1min Avg
Open Engine Configure
Live

Credit Scoring

FICO, VantageScore, and custom scoring models with real-time bureau pulls and alternative data integration.

5 Score Models
3 Bureaus
Pull Credit View Models
Updated

Policy Management

Configure credit policies, pricing tiers, and underwriting rules by segment with version control.

8 Policy Sets
Compliance OK
View Policies Edit Rules
Active

Income Verification

Automated income and employment verification with third-party integrations and document analysis.

94% Auto-Verify
4 Providers
Verify Income Providers
Live

Performance Analytics

Track approval rates, vintage analysis, and portfolio performance by credit tier with predictive modeling.

32 Reports
Real-time
View Reports Create Report
Active

Manual Review Queue

Cases requiring manual underwriter review with workflow management and assignment optimization.

234 In Queue
8.5min Avg
View Queue Assign Cases
Automated

Document Processing

AI-powered document extraction, validation, and classification with optical character recognition.

2.4K Docs/Day
96% Accuracy
Upload Docs Review
New

Pre-Qualification Engine

Soft pull pre-qualification system with personalized offer generation and conversion tracking.

34% Conv Rate
842 Pre-Quals
Generate Offers Track Conv
Critical

Adverse Action Letters

Automated adverse action letter generation with FCRA compliance and multi-channel delivery.

342 Sent
FCRA Compliant
View Letters Templates

Underwriting Decision Flow

1
Application
Customer submits credit application
2
Data Collection
Gather credit bureau & financial data
3
Risk Scoring
AI model calculates risk score
4
Policy Check
Validate against lending policies
5
Decision
Auto-approve, decline, or refer

Decision Distribution - Last 30 Days

Decision Path Count % Avg Time Approval Rate
Straight Through Processing 8,234 82% 2.1min 78%
Manual Underwriter Review 1,487 15% 8.5min 54%
Senior Underwriter Referral 281 3% 18.2min 42%

Risk Distribution Matrix

Low Risk
4,234
FICO 720+
Medium Risk
3,876
FICO 640-719
High Risk
1,892
FICO <640

Default Rate by Credit Tier

Credit Tier FICO Range Applications Approval Rate Avg Credit Line Default Rate Status
Super Prime 780+ 1,234 92% $1,500 0.8% Excellent
Prime 720-779 3,000 85% $1,200 1.4% Good
Near Prime 640-719 3,876 68% $850 3.2% Fair
Subprime 580-639 1,487 42% $500 5.8% Caution
Deep Subprime <580 405 18% $300 12.4% High Risk

Underwriter Performance

Underwriter Applications Avg Decision Time Approval Rate Quality Score Accuracy Status
Marcus Chen 284 7.2min 72% 94 97.8% Excellent
Sarah Williams 267 8.1min 68% 92 96.2% Excellent
James Rodriguez 243 8.8min 65% 89 95.4% Good
Emily Thompson 198 9.4min 63% 87 94.8% Good
David Kim 176 10.2min 61% 84 92.3% Fair