Defensible decisions, faster.
Use AI to write better adverse-action letters, run fair-lending pre-checks, and document decline rationales in a way that holds up to review.
Where lending can use AiBI immediately.
Draft an adverse-action letter
Generate an ECOA-aligned decline letter from a decision summary.
Run a fair-lending pre-check
Test a decision rationale for protected-class signal language.
Summarize a stipulation list
Turn a long stip list into a clean borrower communication.
Document a loan exception
Write the exception rationale in the standard format reviewers expect.
A decision rhythm reviewers can defend.
Compile
Pull the decision facts: credit, capacity, collateral, conditions, character — and the applicable policy.
Draft
Generate the borrower letter and the file memo in the sandbox using synthetic loan numbers only.
Review
Run the fair-lending pre-check; flag any language that signals protected-class consideration.
File
Send reviewed letter to the borrower; file memo + review log to the loan file.
Before AI output is used.
Decisions you can defend. Letters borrowers can understand.
AI is most valuable in lending when it makes the file thicker, not thinner — every artifact ships with reviewer evidence baked in.