Parashift/Banking/Credit & Mortgage Dossiers
Banking · Use Case

Capture credit and mortgage dossiers, automatically.

Salary certificates, tax returns, debt collection extracts, and land register excerpts arrive as a dossier of 20 to 200 pages. Parashift reads, classifies, and structures every document in it, so your credit team can review instead of re-typing.

BaFin · FINMA outsourcing-compliant DORA · MaRisk AT 9 C5 · SOC 2 · ISO 27001
Salary certificate · Page 4/28Automatically classified
EmployerSample Trading AG
Annual salaryCHF 118'400
Employment level100%
AllowancesCHF 4'200
4 fields automatically recognized
Raiffeisen BLKB Julius Bär Swisscard Schwyzer Kantonalbank Hypothekarbank Lenzburg LLB Viac
The process today

One dossier, a dozen document types.

A credit or mortgage dossier bundles salary certificates, tax returns, debt collection extracts, land register excerpts, bank statements, and valuation reports, often from different senders and in different formats. Case officers today enter the relevant details manually into the core banking system, document by document, before the actual credit assessment even begins. That ties up capacity exactly where it is most expensive, and measurably delays the credit decision.

Document list

What Parashift extracts from the dossier.

Every document type is recognized individually and structured with the fields relevant to credit assessment, not as unstructured full text.

Salary certificate

EmployerAnnual salaryAllowancesEmployment level

Tax return

Taxable incomeAssetsMarital status

Debt collection extract

Open debt collection proceedingsCertificates of lossIssue date

Land register extract

OwnerMortgage liensEncumbrancesArea

Bank statements

Account balanceIncoming paymentsProof of assets

Valuation report & purchase agreement

Market valuePurchase priceProperty details

Other document types such as powers of attorney, mortgage deeds, credit reports, or insurance policies are recognized and structured just as reliably.

Workflow

From intake to credit decision.

01 · INTAKE

Email, portal, scan

The dossier arrives in any format and in any order.

02 · CLASSIFICATION

Document type per page

Salary certificates, tax returns, debt collection extracts, and more are recognized individually and separated.

03 · EXTRACTION

Fields per document type

Relevant details are captured in structured form and checked against master data.

04 · HANDOVER

Core banking system & credit assessment

Structured data lands directly in the dossier, and the credit assessment decides.

Target systems

Integrates into your credit processes.

Low-code integration via documented REST APIs, without replacing your existing infrastructure.

AvaloqFinnovaTemenosFinanz Informatik (OSPlus)Atruvia (agree21)CPB TambasIn-house systems

Compliance:

BaFin/FINMA outsourcing guidelines DORA, in effect since 17 January 2025 MaRisk AT 9 outsourcing risk classification C5 · SOC 2 · ISO 27001
Impact

What changes for your credit team.

70%

shorter processing time on average

Reference: Raiffeisen, mortgage application to creditor invoice
100%

of document-based banking use cases can be covered

One use case among many for banking.

KYC & customer onboarding, bank mail intake, and payment orders follow the same principle: read, structure, hand off to the core banking system.

All banking use cases →

Credit and mortgage dossiers, sovereign and audit-proof.

Book a no-obligation 30-minute briefing: we'll show you dossier processing using real example documents.

Response on the same business day · no sales pressure