A consistent credit decision on every deal — documented.
Each deal gets an underwriting file covering the borrower, the property and valuation, the exit strategy and a risk rating. Approval limits make sure the right person signs off, and every condition is tracked to completion.
Step by step
- Send to underwritingThe lead's details, properties and documents are already on the file.
- Review and scoreBorrower and credit, property and valuation, exit strategy and a weighted risk scorecard.
- Set conditionsApply a condition set or add your own; each is satisfied, waived or outstanding.
- DecideApprove, decline or refer to committee, within the approver's limit, with a written memo.
What changes
- Every decision documented for investors and auditors
- No approval above someone's authority
- Conditions never forgotten at funding
Used by
- Underwriters
- Credit committee
- Owners
Capabilities
Risk scorecard
Weighted factors you set, producing a grade for every deal.
Approval memo
The reasoning behind the decision, kept on the file.
Approval limits
Maximum loan amount or LTV each role can approve.
Credit committee
Committee decisions recorded with members and date.
Conditions
Reusable condition sets, document requests and tracking to commitment.
Concentration check
Warns when a new loan would breach your portfolio concentration limits.
Questions about underwriting & approvals
Can the KYC checklist item tick itself?
Yes. When every borrower and guarantor has a verified identity on file, the KYC item on the underwriting checklist is ticked automatically.
Works together with
Commitment letters & e-signature
Generate commitment letters and disclosures from your own templates with every figure filled in, send them for electronic signature and track the commitment fee.
Learn more →Deal funding & lawyer instructions
Allocate a private mortgage across lenders, track their funds into trust, build the funds flow and lawyer instructions, and release the advance.
Learn more →Portfolio risk
A portfolio risk dashboard with concentration limits by region, borrower and property type, LTV bands, maturities, arrears and loans needing attention.
Learn more →See your loan book in Amortivo.
A 30-minute walkthrough with your own scenarios — origination to investor payout.