AI Underwriting
AI underwriting software for modern lenders.
Spread financials, read the narrative, draft the memo. In minutes, not days. Your underwriter signs the decision.
Kita is AI underwriting software for lenders in emerging markets and the U.S. We parse the borrower file end to end and hand your underwriter a memo they can actually sign.
Definition
What is AI underwriting?
AI underwriting is the use of vision and language models to do the manual work that sits inside loan underwriting: reading documents, spreading financials, reconciling numbers across files, flagging fraud, and drafting the credit memo. The human underwriter still owns the decision. AI compresses the hours of preparation into minutes.
How it works
01
Read every document in the file
Bank statements, tax returns, ID documents, business registrations, payslips, audited financials. Typed, scanned, photographed, or handwritten. One pipeline, structured output.
02
Spread financials and reconcile
Three years of statements normalized into one schema. Net income, revenue, leverage, liquidity, cash flow. Cross-check the numbers across documents and surface the inconsistencies.
03
Draft the credit memo
A memo calibrated to your policy: borrower profile, capacity, character, collateral, conditions. With citations back to the source documents. Your underwriter edits and signs.
Comparison
AI underwriting software vs. legacy underwriting workflows.
| Aspect | Legacy underwriting | Kita AI underwriting |
|---|---|---|
| Time per file | 4 to 12 hours of analyst work | Minutes from intake to draft memo |
| Document handling | Manual review, template OCR for known forms | Any document, any format. Vision-language reading. |
| Financial spreading | Excel re-entry by hand or scripted templates | Automatic spreading with line-item citations |
| Cross-document checks | Spotted only when an analyst remembers to look | Every mismatch flagged across the borrower file |
| Memo drafting | Blank doc, copy from prior deals | Policy-calibrated first draft with citations |
| Decision authority | Human underwriter | Human underwriter. Kita drafts. Underwriter signs. |
Who it's for
Built for the three lender scenarios we serve.
Microfinance
Thin-file consumer and informal-business loans.
Underwrite from mobile money, e-wallet records, government IDs, and informal income evidence. Volume matters; AI underwriting clears the queue without dropping rigor.
SME and trade finance
Audited financials and corporate documents.
Spread three years of audited statements. Reconcile against tax returns and bank statements. Catch restated income, mismatched officers, and capital-structure inconsistencies.
CDFI and mission lenders
The loans bureau scores miss.
Underwrite borrowers without conventional credit history. AI underwriting brings the same rigor to character-and-capacity lending that traditional models bring to FICO-band lending.
The product
Kita AI Underwriter
The AI underwriting layer in the Kita stack. Spreads financials, reads the narrative, drafts the credit memo. Calibrated to your policy. Plugs into your loan origination system and your underwriter signs the decision.
See the AI UnderwriterFAQ
Common questions
How is AI underwriting different from credit scoring?
Credit scoring produces a number. AI underwriting produces an analyzed file: spread financials, reconciled documents, fraud signals, and a drafted credit memo. The score is one input among many. The memo is what an underwriter actually signs.
Does Kita make the lending decision?
No. Kita returns a credit assessment and a drafted memo. Your underwriter reviews, edits, and signs. Kita is software that prepares the file with the same rigor every time. The decision stays with your team.
What documents does Kita read for underwriting?
Bank statements, tax returns, audited financial statements, payslips, government IDs, business registrations, utility bills, mobile money records, e-wallet exports, and more. 50+ document types and growing. Any format including photos, scans, and handwriting.
Can the AI underwriting model be calibrated to our policy?
Yes. The memo template, the financial-ratio bands, the qualitative narrative structure, and the fraud thresholds are tuned per lender. Your policy is the input. Kita writes to fit it.
What regions does Kita support for AI underwriting?
Live in the Philippines, Indonesia, Mexico, and South Africa. Active deployments with U.S. CDFIs and SMB lenders. Document parsing is tuned per market: GCash, BDO, e-KTP, RFC, CFDI 4.0, M-Pesa, FICA.
Is AI underwriting safe for regulated lenders?
Kita is in active engagement for ISO 27001 and SOC 2 Type II audits. Engagement letters available on request. The decision stays with the human underwriter, which keeps regulated lenders inside the same accountability framework they already operate under.
How fast can we deploy AI underwriting?
Most lenders start receiving structured outputs within two weeks via the API. Full memo calibration to a lender policy typically takes four to eight weeks of iteration with the underwriting team.
Stop spending hours on every borrower file.
Talk to the team about AI underwriting that matches your policy and clears your queue.