{"id":50417,"date":"2026-08-29T09:57:37","date_gmt":"2026-08-29T09:57:37","guid":{"rendered":"https:\/\/parashift.ai\/?page_id=50417"},"modified":"2026-08-29T09:57:44","modified_gmt":"2026-08-29T09:57:44","slug":"credit-mortgage-dossier","status":"publish","type":"page","link":"https:\/\/parashift.ai\/en\/banking\/credit-mortgage-dossier\/","title":{"rendered":"Credit &#038; Mortgage Dossiers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"50417\" class=\"elementor elementor-50417 elementor-50205 elementor-bc-flex-widget\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cmdEnSec1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cmdEnSec1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;pix_scale_in&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container 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.note{font-size:13px;color:rgba(255,255,255,.75);}\n<\/style>\n\n<div class=\"psvr-scope\">\n\n<div class=\"herowrap\">\n<div class=\"pagehead\">\n  <div class=\"wrap\">\n    <div class=\"pagehead-grid\">\n    <div>\n    <div class=\"crumb\"><a href=\"\/en\/\">Parashift<\/a><span class=\"sep\">\/<\/span><a href=\"\/en\/banking\/\">Banking<\/a><span class=\"sep\">\/<\/span><span class=\"here\">Credit &amp; Mortgage Dossiers<\/span><\/div>\n    <span class=\"eyebrow\">Banking \u00b7 Use Case<\/span>\n    <h1>Capture credit and mortgage dossiers, automatically.<\/h1>\n    <p class=\"lede\">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.<\/p>\n    <div class=\"ctas\">\n      <a class=\"btn\" href=\"\/en\/demo\/\">Book a demo<\/a>\n      <a class=\"btn ghost\" href=\"\/en\/banking\/\">Parashift for Banking<\/a>\n    <\/div>\n    <div class=\"microproof\">\n      <span><i class=\"dot\"><\/i> BaFin \u00b7 FINMA outsourcing-compliant<\/span>\n      <span><i class=\"dot\"><\/i> DORA \u00b7 MaRisk AT 9<\/span>\n      <span><i class=\"dot\"><\/i> C5 \u00b7 SOC 2 \u00b7 ISO 27001<\/span>\n    <\/div>\n    <\/div>\n    <div class=\"extractcard\">\n      <div class=\"ec-top\"><span class=\"ec-id\">Salary certificate \u00b7 Page 4\/28<\/span><span class=\"ec-pill\">Automatically classified<\/span><\/div>\n      <div class=\"ec-body\">\n        <div class=\"ec-thumb\">\n          <svg width=\"60\" height=\"76\" viewBox=\"0 0 60 76\" fill=\"none\">\n            <path d=\"M6 2h32l14 14v58a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V4a2 2 0 0 1 2-2z\" fill=\"var(--bg-alt)\" stroke=\"var(--line)\" stroke-width=\"1.5\"\/>\n            <path d=\"M38 2v12a2 2 0 0 0 2 2h12\" fill=\"none\" stroke=\"var(--line)\" stroke-width=\"1.5\"\/>\n            <line x1=\"12\" y1=\"32\" x2=\"42\" y2=\"32\" stroke=\"#c7d0e0\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\n            <line x1=\"12\" y1=\"41\" x2=\"42\" y2=\"41\" stroke=\"#c7d0e0\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\n            <line x1=\"12\" y1=\"50\" x2=\"30\" y2=\"50\" stroke=\"#c7d0e0\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\n            <line x1=\"12\" y1=\"60\" x2=\"36\" y2=\"60\" stroke=\"var(--brand)\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\n          <\/svg>\n        <\/div>\n        <div class=\"ec-fields\">\n          <div class=\"ec-row\"><span>Employer<\/span><b>Sample Trading AG<\/b><\/div>\n          <div class=\"ec-row\"><span>Annual salary<\/span><b>CHF 118'400<\/b><\/div>\n          <div class=\"ec-row\"><span>Employment level<\/span><b>100%<\/b><\/div>\n          <div class=\"ec-row\"><span>Allowances<\/span><b>CHF 4'200<\/b><\/div>\n        <\/div>\n      <\/div>\n      <div class=\"ec-foot\">4 fields automatically recognized<\/div>\n    <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<section class=\"trustband\">\n  <div class=\"wrap\">\n    <div class=\"trustlogos\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/Raiffeisen-Logo-white.svg\" alt=\"Raiffeisen\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_blkb.avif\" alt=\"BLKB\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_jb.avif\" alt=\"Julius B\u00e4r\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_swisscard.avif\" alt=\"Swisscard\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_szkb.avif\" alt=\"Schwyzer Kantonalbank\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_hbl.avif\" alt=\"Hypothekarbank Lenzburg\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_llb.avif\" alt=\"LLB\">\n      <img decoding=\"async\" src=\"https:\/\/parashift.ai\/wp-content\/uploads\/2025\/11\/bw_logo_viac.avif\" alt=\"Viac\">\n    <\/div>\n  <\/div>\n<\/section>\n<\/div>\n\n<section>\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">The process today<\/span>\n      <h2>One dossier, a dozen document types.<\/h2>\n    <\/div>\n    <p class=\"prozess-lead\">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. <strong>Case officers today enter the relevant details manually<\/strong> 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.<\/p>\n  <\/div>\n<\/section>\n\n<section class=\"alt\">\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">Document list<\/span>\n      <h2>What Parashift extracts from the dossier.<\/h2>\n      <p>Every document type is recognized individually and structured with the fields relevant to credit assessment, not as unstructured full text.<\/p>\n    <\/div>\n    <div class=\"doclist\">\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"4\" y=\"3\" width=\"16\" height=\"18\" rx=\"1.5\"\/><path d=\"M8 8h8M8 12h8M8 16h5\"\/><\/svg><\/span>Salary certificate<\/h4>\n        <div class=\"fields\"><span>Employer<\/span><span>Annual salary<\/span><span>Allowances<\/span><span>Employment level<\/span><\/div>\n      <\/div>\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M9 2v5\"\/><path d=\"M15 2v5\"\/><rect x=\"4\" y=\"4\" width=\"16\" height=\"17\" rx=\"1.5\"\/><path d=\"M8 14h8M8 17h5\"\/><\/svg><\/span>Tax return<\/h4>\n        <div class=\"fields\"><span>Taxable income<\/span><span>Assets<\/span><span>Marital status<\/span><\/div>\n      <\/div>\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9 12.5l2 2 4-4.5\"\/><\/svg><\/span>Debt collection extract<\/h4>\n        <div class=\"fields\"><span>Open debt collection proceedings<\/span><span>Certificates of loss<\/span><span>Issue date<\/span><\/div>\n      <\/div>\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 21h18\"\/><path d=\"M5 21V9l7-5 7 5v12\"\/><path d=\"M10 21v-6h4v6\"\/><\/svg><\/span>Land register extract<\/h4>\n        <div class=\"fields\"><span>Owner<\/span><span>Mortgage liens<\/span><span>Encumbrances<\/span><span>Area<\/span><\/div>\n      <\/div>\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"4\" y=\"4\" width=\"16\" height=\"16\" rx=\"2\"\/><path d=\"M8 12h4M8 16h8\"\/><circle cx=\"9\" cy=\"8\" r=\"1\"\/><\/svg><\/span>Bank statements<\/h4>\n        <div class=\"fields\"><span>Account balance<\/span><span>Incoming payments<\/span><span>Proof of assets<\/span><\/div>\n      <\/div>\n      <div class=\"doc\">\n        <h4><span class=\"dicon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 9l9-6 9 6\"\/><path d=\"M5 9v11h14V9\"\/><path d=\"M9 20v-6h6v6\"\/><\/svg><\/span>Valuation report &amp; purchase agreement<\/h4>\n        <div class=\"fields\"><span>Market value<\/span><span>Purchase price<\/span><span>Property details<\/span><\/div>\n      <\/div>\n    <\/div>\n    <p style=\"margin-top:22px;font-size:13.5px;color:var(--ink-faint);\">Other document types such as powers of attorney, mortgage deeds, credit reports, or insurance policies are recognized and structured just as reliably.<\/p>\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">Workflow<\/span>\n      <h2>From intake to credit decision.<\/h2>\n    <\/div>\n    <div class=\"flow\">\n      <div class=\"step\"><div class=\"n\">01 \u00b7 INTAKE<\/div><h4>Email, portal, scan<\/h4><p>The dossier arrives in any format and in any order.<\/p><\/div>\n      <div class=\"arrow\"><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/div>\n      <div class=\"step\"><div class=\"n\">02 \u00b7 CLASSIFICATION<\/div><h4>Document type per page<\/h4><p>Salary certificates, tax returns, debt collection extracts, and more are recognized individually and separated.<\/p><\/div>\n      <div class=\"arrow\"><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/div>\n      <div class=\"step\"><div class=\"n\">03 \u00b7 EXTRACTION<\/div><h4>Fields per document type<\/h4><p>Relevant details are captured in structured form and checked against master data.<\/p><\/div>\n      <div class=\"arrow\"><svg width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/div>\n      <div class=\"step\"><div class=\"n\">04 \u00b7 HANDOVER<\/div><h4>Core banking system &amp; credit assessment<\/h4><p>Structured data lands directly in the dossier, and the credit assessment decides.<\/p><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"alt\">\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">Target systems<\/span>\n      <h2>Integrates into your credit processes.<\/h2>\n      <p>Low-code integration via documented REST APIs, without replacing your existing infrastructure.<\/p>\n    <\/div>\n    <div class=\"systems\">\n      <span>Avaloq<\/span><span>Finnova<\/span><span>Temenos<\/span><span>Finanz Informatik (OSPlus)<\/span><span>Atruvia (agree21)<\/span><span>CPB Tambas<\/span><span>In-house systems<\/span>\n    <\/div>\n    <p style=\"margin-top:28px;\" class=\"prozess-lead\"><strong>Compliance:<\/strong><\/p>\n    <div class=\"compliance-line\">\n      <span><i class=\"dot\"><\/i> BaFin\/FINMA outsourcing guidelines<\/span>\n      <span><i class=\"dot\"><\/i> DORA, in effect since 17 January 2025<\/span>\n      <span><i class=\"dot\"><\/i> MaRisk AT 9 outsourcing risk classification<\/span>\n      <span><i class=\"dot\"><\/i> C5 \u00b7 SOC 2 \u00b7 ISO 27001<\/span>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section>\n  <div class=\"wrap\">\n    <div class=\"section-head\">\n      <span class=\"eyebrow\">Impact<\/span>\n      <h2>What changes for your credit team.<\/h2>\n    <\/div>\n    <div class=\"effektband\">\n      <div class=\"effekt\"><div class=\"num\">70%<\/div><p>shorter processing time on average<\/p><span class=\"src\">Reference: Raiffeisen, mortgage application to creditor invoice<\/span><\/div>\n      <div class=\"effekt\"><div class=\"num\">100%<\/div><p>of document-based banking use cases can be covered<\/p><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"alt\">\n  <div class=\"wrap\">\n    <div class=\"hubcard\">\n      <div>\n        <h3>One use case among many for banking.<\/h3>\n        <p>KYC &amp; customer onboarding, bank mail intake, and payment orders follow the same principle: read, structure, hand off to the core banking system.<\/p>\n      <\/div>\n      <a class=\"btn ghost\" href=\"\/en\/banking\/\">All banking use cases \u2192<\/a>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"finalcta\">\n  <div class=\"wrap\">\n    <h2>Credit and mortgage dossiers, sovereign and audit-proof.<\/h2>\n    <p>Book a no-obligation 30-minute briefing: we'll show you dossier processing using real example documents.<\/p>\n    <div class=\"ctas\"><a class=\"btn\" href=\"\/en\/demo\/\">Book a 30-min briefing<\/a><\/div>\n    <p class=\"note\">Response on the same business day \u00b7 no sales pressure<\/p>\n  <\/div>\n<\/section>\n\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"Capture credit and mortgage dossiers, automatically\",\"serviceType\":\"Automated document processing for credit and mortgage dossiers\",\"provider\":{\"@type\":\"Organization\",\"name\":\"Parashift\",\"url\":\"https:\/\/parashift.ai\"},\"audience\":{\"@type\":\"BusinessAudience\",\"audienceType\":\"Banks, lenders, and mortgage banks\"},\"areaServed\":[\"Switzerland\",\"Germany\",\"Liechtenstein\"],\"description\":\"Parashift reads, classifies, and structures credit and mortgage dossiers automatically \u2013 salary certificates, tax returns, debt collection extracts, land register excerpts, bank statements, and valuation reports \u2013 so credit teams can review instead of re-typing. BaFin and FINMA outsourcing-compliant, DORA and MaRisk AT 9 compliant, C5\/SOC 2\/ISO 27001 certified.\",\"url\":\"https:\/\/parashift.ai\/en\/banking\/credit-mortgage-dossier\/\"}<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":48170,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-50417","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/parashift.ai\/en\/wp-json\/wp\/v2\/pages\/50417","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/parashift.ai\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/parashift.ai\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/parashift.ai\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/parashift.ai\/en\/wp-json\/wp\/v2\/comments?post=50417"}],"version-history":[{"count":1,"href":"https:\/\/parashift.ai\/en\/wp-json\/wp\/v2\/pages\/50417\/revisions"}],"predecessor-version":[{"id":50418,"href":"https:\/\/parashift.ai\/en\/wp-json\/wp\/v2\/pages\/50417\/revisions\/50418"}],"up":[{"embeddable":true,"href":"https:\/\/parashift.ai\/en\/wp-json\/wp\/v2\/pages\/48170"}],"wp:attachment":[{"href":"https:\/\/parashift.ai\/en\/wp-json\/wp\/v2\/media?parent=50417"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}