USE CASES
Commercial Underwriting Decision Flow (ViewpointAI + Clarity)
Our goal: Enable structured, data-driven, and collaborative commercial underwriting decisions by combining human expertise with AI-powered analysis.
1. Decision Criteria (Define Underwriting Objectives)
Purpose: Establish what the underwriting decision needs to achieve.
Human Input: Define key criteria such as:
Creditworthiness and financial stability of the applicant
Collateral adequacy and risk mitigation
Industry and market risks
Compliance with regulatory and internal policy standards
Desired loan structure, pricing, and terms
Clarity’s Role: Suggests additional criteria based on historical underwriting outcomes, peer benchmarks, and portfolio risk considerations.
Output: Weighted decision criteria and “viewpoints” forming the baseline for evaluation.
2. Data Capture (Build the Underwriting Data Room)
Purpose: Collect all relevant data for analysis.
Human Input: Financial statements, tax returns, credit reports, collateral documentation, market research, and legal agreements.
Clarity’s Role: Extracts and standardizes structured data from documents, identifies gaps or inconsistencies, integrates external data sources (industry metrics, market trends), and flags high-risk elements.
Output: Centralized, AI-enhanced underwriting data room ready for evaluation.
3. Decision Making (Evaluate & Rank Applications)
Purpose: Assess the applicant against defined underwriting criteria.
Human Input: Evaluate qualitative factors such as management quality, business strategy, and operational risks.
Clarity’s Role: Scores and ranks applicants based on weighted criteria, highlights risk areas and trade-offs, and provides scenario modeling (e.g., stress tests, worst-case projections).
Output: Ranked list of underwriting decisions with clear reasoning and risk analysis.
4. Decision Reporting (Transparency & Verification)
Purpose: Document the underwriting decision process and rationale.
Human Input: Approve final underwriting decisions and provide contextual notes for compliance and governance.
Clarity’s Role: Automatically generates a report showing applied criteria, weighted scores, risk assessments, supporting data, and rationale for each decision.
Output: Transparent, auditable report suitable for senior management, risk committees, and regulators.
Core Capabilities Throughout
Human: Expertise, judgment, portfolio context, regulatory knowledge
AI (Clarity): Data extraction, scoring, ranking, risk modeling, scenario analysis
Collaboration: Multiple stakeholders (underwriters, risk officers, credit committees) can review, discuss, and provide input
Analysis: Identify trends, outliers, risk concentrations, and portfolio impact
Reporting: Automated documentation ensures transparency, accountability, and regulatory compliance
Clarity’s role: Acts as an AI co-pilot through the commercial underwriting process — guiding criteria definition, analyzing risks, scoring applicants, and generating transparent reports — while humans make the final underwriting decisions.
Let’s Build Smarter, Faster Decisions Together
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