Product · free analyser available
Turn bank statements into underwriting signals.
Convert statement data into structured, lending-oriented insight — inflows, balances, obligations and flags — so credit assessment is comparable between analysts and applications.
Monthly credits
Trend view
Average balance
Summary
EMI obligations
Detected
Risk flags
Review
Monthly credit pattern across the statement period.
Problem
Manual statement review is slow and inconsistent.
Two analysts reading the same statement often reach different conclusions. Without structure, income stability, obligations and irregular activity are easy to miss under volume.
Lifecycle
Where statement intelligence sits in the lifecycle.
Acquire, verify, assess, decide, disburse, service and collect run against one application record. The highlighted stages are the ones this product operates in.
- 01
Acquire
—
- 02
Verify
—
- 03
Assess
Statement parsing
- 04
Decide
—
- 05
Disburse
—
- 06
Service
—
- 07
Collect
—
Capabilities
What the analysis produces.
Inflow analysis
Structure credits over the statement period to review income pattern and stability.
Balance behaviour
Summarise average and month-end balances across the period.
Obligation detection
Identify recurring debit patterns that indicate existing EMI commitments.
Risk flags
Surface activity that warrants manual review before a decision.
Period summary
Present a consistent view for comparison across applications.
Decision handoff
Pass structured output into eligibility and underwriting rules.
Workflow
From upload to decision input.
- Step 01
Secure upload
The statement enters through the dedicated analyser flow.
- Step 02
Parsing
Transactions are read and structured into a consistent model.
- Step 03
Categorisation
Credits, debits and recurring obligations are classified.
- Step 04
Signals
Income, balance and obligation indicators are derived.
- Step 05
Review
Analysts review flags and the summarised period view.
- Step 06
Decisioning
Output feeds eligibility and underwriting rules.
Use cases
Personal, business and partner-sourced underwriting.
Used by credit teams during assessment, by LSPs during pre-underwriting, and by distribution teams checking case quality before lender submission.
Integration
What connects to it.
- Account Aggregator and statement data sources
- Xcelet Decision & Rule Engine
- Lending Platform underwriting queues
- Partner and LSP journeys
Next step
Try the analyser, then talk about volume.
Run a statement through the free analyser to see the output structure, then discuss how it fits your underwriting process.
Not ready for a conversation? Try the free Bank Statement Analyser.