Situation
Using AI for loan underwriting
A mid-sized community bank in the South partnered with Sketch Development Services to modernize how its analysts create loan-approval narratives.
More specifically, they wanted a secure, compliant web application that could reduce narrative preparation time. Previously, they had been spending four hours to complete this process for every single loan application. Leadership at the bank recognized that it could leverage agentic AI to dramatically increase productivity.
The bank’s lending department faced a familiar problem: analysts spent hours drafting and revising loan narratives that summarized borrowers' financials and justified approval decisions. The process was manual, inconsistent, and highly dependent on each analyst’s writing ability.
Accuracy. Security. Compliance.
AI adoption for the finance industry
As loan volumes grew, these inefficiencies led to delays, uneven quality, and increased compliance risk. The bank needed a way to standardize narrative generation without sacrificing accuracy or data protection.
Furthermore, this bank had to find a partner capable of building a custom AI solution that was secure and compliant enough for the highly regulated financial industry.
Adopt agentic AI
Key features: AI loan narrative agent
Key features include all of the following:
1. AI Loan writer
AI-generated loan narratives
Analysts can securely upload a borrower’s cash-flow documents and use Azure OpenAI to generate a first-draft narrative within minutes.
2. AI policy expert
Custom policy chatbot
A built-in chatbot trained on the bank’s internal policy manuals and PDFs helps analysts ensure every narrative aligns with institutional standards.
3. Easy updates
Admin portal
Bank administrators can easily manage chatbot content and narrative templates through intuitive admin screens, no developer intervention required.
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4. Document editing interface
Advanced AI content editor
An interactive workspace allows analysts to refine AI-generated drafts collaboratively with the model, adjusting tone, structure, and detail before finalizing.
5. Finance-appropriate governance
Enterprise banking app security
Authentication is handled through Microsoft Entra ID (Single Sign-On), ensuring secure, role-based access across departments. Data storage and interactions are managed through Private DNS, and encryption at rest.
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See for yourself
9-minute video demo
Want to see this loan underwriting AI agent in action?
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If you're interested in an AI underwriting tool to generate loan narratives, or any other kind of custom AI, we can build it for you. You can start the process today, for free.