Develop a precise picture of your customers’ cash flow dynamics, incorporating a comprehensive library of pre-engineered analytics.
Ocrolus offers 100+ analytics that illuminate cash flow dynamics, including revenue, income, expenses, transaction categories, financial ratios, and trends. We also standardize and automate income calculations for a diverse set of employment profiles. Lenders use our analytics to build predictive risk models that outperform existing credit evaluation metrics. With a highly specific understanding of borrower financial health, your team will be empowered to manage risk, underwrite more broadly, and make smarter decisions.
Step one: Analyze captured data
Ocrolus provides high-quality capture for all formats of banking data, including document and digital sources. Standardizing this information into a consistent output schema enables detailed cash flow analysis that accommodates the widest possible range of borrowers.
Step two: Calculate cash flow and income metrics
Generate predefined analytics to calculate cash flows and estimate the income of applicants in order to manage risk, determine exposure limits, and assess the ability to pay.
Step three: Inform risk models
Execute cash-flow-informed credit risk scoring using the standardized output of model-ready features. Incorporating detailed financial dynamics into modeling helps measure a borrower’s ability to pay with higher precision than traditional data sources alone.
Step four: Decide with confidence
Optimize the health of your portfolio with high-quality risk decisions. Integrate Ocrolus output directly into your CRM or LOS to automatically approve or decline applicants based on predefined credit standards. Route applicants who require further review to your best underwriters, arming them with a comprehensive report of key financial metrics.
Ocrolus has been so easy to work with; we’ve been able to scale Operations by implementing Ocrolus.”