Automated SME Loan Origination
A community bank automated its manual SME loan origination process, reducing cycle time by 60% and cost per loan by 40%.
A community bank processed SME loan applications manually β receiving paper applications, verifying documents by hand, and routing through email for approvals. The 12-day average origination time frustrated borrowers and put the bank at a competitive disadvantage. The bank partnered with Vitosha to build an automated SME loan origination platform on Power Platform and D365, digitizing document collection, verification, underwriting, and approval workflows.
Overview
A community bank processed SME loan applications manually β receiving paper applications, verifying documents by hand, and routing through email for approvals. The 12-day average origination time frustrated borrowers and put the bank at a competitive disadvantage.β¦
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Impact Metrics
60%
Faster Origination
40%
Cost per Loan Reduction
95%
Data Extraction Accuracy
Tech Stack
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