AI-Powered Credit Underwriting
Supercharge your underwriting with the world’s leading automated AI-powered credit decision technology:
- Use wider & deeper data smarter
- Deploy & evolve AI models with ease
- Faster G2M with new test & learn credit strategies
Scienaptic AI’s mission is to increase credit availability across the globe by transforming the technology used in credit decisioning. Credit unions use Scienaptic's AI native credit decisioning platform to continually improve the quality and speed of their underwriting decisions.
The platform enables FIs to reach more borrowers, including underbanked and underserved individuals, and say “yes” more often without increasing risk. It democratizes automated AI-powered lending while addressing all regulatory requirements, including Fair Lending and explainable adverse actions.
Trellance is the premier loan portfolio analytic service provider for credit unions. The Clearwater, Fla., Company has more than 60 collective years of credit union industry knowledge, providing risk analysis of commercial and consumer loans, and identifying unique environmental factors that affect credit union portfolios. The team consists of financial consultants and certified public accountants who have experience with audits, due diligence, National Credit Union Administration (NCUA) regulatory exams, and Financial Accounting Standards Board (FASB) standards.
Trellance is constantly adapting its services to meet the needs of an evolving industry, both from a regulatory and operating standpoint. Services include:
- Consumer Loan Portfolio Risk Analysis and Collateral Valuation: Multi-dimensional solutions that provide a “credit quality grade” at an individual loan level based on the current characteristics of your borrower and their collateral. This risk-based approach is widely accepted by the NCUA in reviews of credit union loan portfolios.
- Proactive Credit Card Credit Line Management Solutions: Evaluate your credit card loan portfolio to identify members who me be candidates for proactive credit line increases. This is a full-service customizable solution including FICO Scores, Debt to Income and Total Income Estimates from TransUnion.
- Peer Analytics: This platform gives you the ability to see how your credit union truly stacks up against others in your peer group. Create your peer group based on NCUA region and/or asset size, and dynamically set risk-based pricing tiers to match your credit union’s underwriting.
- Self-service Loan Portfolio Analytics: TTAData, is the industry's first self-service loan portfolio analytics, data warehouse and peer analysis platform. TTAData allows credit unions to update information at any time and digest actionable business intelligence in minutes on any connected device.
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