Financial Services

Automated Underwriting Risk Model for FinTrust Bank

FinTrust Bank

28% Risk Reduction

The Challenge

Manual underwriting created bottlenecks and inconsistent risk assessments across 12 regional offices, causing loan decision times to stretch to 9 business days.

Our Solution

We built a gradient-boosted risk model trained on 6 years of loan performance data, integrated with the existing core banking system via REST API, with explainability outputs for regulatory compliance.

Results

Loan decision time reduced from 9 days to 4 hours, risk exposure down 28%, and the model processes 3,400 applications per day with zero manual intervention.

FinTrust Bank came to NexusAI with a critical challenge: their manual underwriting process was slow, inconsistent, and unable to scale with loan demand. We designed and deployed a production-grade risk model that transformed their operations.

The model ingests 47 features per application, produces a risk score with confidence intervals, and generates plain-English explanations for declined applications — satisfying both internal audit and external regulatory requirements.

Ready to Achieve Similar Results?

Let's explore how AI can unlock this kind of impact for your organization.