Bank Statement Agent

Automated extraction and analysis of bank statements for underwriting and cash flow assessment

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The Bank Statement Agent automates the extraction, categorization, and analysis of borrower bank statements — one of the most time-consuming steps in consumer and small business underwriting. The agent identifies income patterns, flags NSF/overdraft history, calculates average balances, and feeds structured data directly into the LOS decisioning engine. Supports multi-bank, multi-account analysis in a single workflow.

Problem solved: Replaces the 60-90 minutes per file analysts spend manually reviewing 60-90 days of statements across multiple banks. Surfaces the income volatility, NSF patterns, and undisclosed obligations that human reviewers miss under volume pressure, improving credit accuracy and speed.

Auto
Income pattern detection
Multi-bank
Account aggregation

Key Capabilities

AI extraction from PDF and digital bank statements

Transaction categorization (income, expenses, transfers)

NSF/overdraft history detection and risk flagging

Average balance and cash flow trend analysis

Multi-bank, multi-account aggregation

Direct integration with LOS decisioning engine

Key Capabilities

  • AI extraction from PDF and digital bank statements
  • Transaction categorization (income, expenses, transfers)
  • NSF/overdraft history detection and risk flagging
  • Average balance and cash flow trend analysis
  • Multi-bank, multi-account aggregation
  • Direct integration with LOS decisioning engine

AI AGENT

Bank Statement Analysis Workflow

From PDF or open-banking feed to underwriting-ready cash flow data

Step 1 of 6