Capturing credit and mortgage dossiers automatically.
Salary certificates, tax returns, debt collection and land registry extracts arrive as a dossier of 20 to 200 pages. Parashift reads, classifies and structures every document inside it, so your credit team reviews instead of retypes.
One dossier, a dozen document types.
A credit or mortgage dossier bundles salary certificates, tax returns, debt collection extracts, land registry extracts, bank statements and valuation reports, often from different senders and in different formats. Case handlers key the relevant values in manually today 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.
What Parashift extracts from the dossier.
Every document type is detected individually and structured with the fields that matter for the credit assessment, not as unstructured full text.
Salary certificate
Tax return
Debt collection extract
Land registry extract
Bank statements
Valuation report and purchase agreement
Further document types such as powers of attorney, mortgage deeds, credit reports or insurance policies are detected and structured just as reliably.
From intake to credit decision.
Email, portal, scan
The dossier arrives in any format and in any order.
Document type per page
Salary certificate, tax return, debt collection extract and the rest are detected individually and separated.
Fields per document type
The relevant values are captured in structured form and checked against master data.
Core banking system and credit assessment
Structured data lands directly in the file, the credit assessment decides.
Fits into your lending processes.
Low-code integration through documented REST APIs, with no replacement of the existing infrastructure.
Compliance:
What changes for your credit team.
shorter handling time on average
Reference: Raiffeisen, from mortgage application to supplier invoiceof document-based banking use cases can be covered
One use case among many in banking.
KYC and customer onboarding, the bank mailroom and payment orders follow the same principle: read, structure, hand over to the core banking system.
Credit and mortgage dossiers, answered briefly.
What does a credit or mortgage dossier contain?
How does the affordability calculation work with automatically read data?
Does this meet the creditworthiness assessment requirements of the Swiss Consumer Credit Act?
Where are the dossiers processed?
How does the data reach the core banking system?
How long does implementation take?
Credit and mortgage dossiers, sovereign and audit-proof.
Book a no-obligation 30-minute briefing: we will show you dossier processing on real sample documents.
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