Every institution has a credit policy manual. Most live in binders, PDFs, or the memory of senior lenders. Policy Intelligence reads your policy, interprets it, and checks every deal against it automatically, with dual citations.
Three analysts review the same policy language and reach different conclusions. No single source of truth.
Examiner asks why you approved a deal. Months later, you’re scrambling to find the approval rationale.
When someone overrides policy, the decision lives in an email thread that nobody can find later.
As your portfolio grows, compliance reviews become bottlenecks. Senior lenders re-check work instead of closing deals.
Send your credit policy manual, PDF, Word, or scanned binder. We handle the heavy lifting.
Our engine reads your policy, extracts thresholds, exceptions, and decision logic, like a senior lender.
Every deal checked against your policy with dual citations: the data point AND the policy section.
Every flag references the data point that triggered it AND the exact section of your policy. Auditors verify everything.
Automated exception flagging with severity levels. Track who approved exceptions, when, and why.
Every check documented and exportable. When examiners ask questions, you have a complete record.
Change your policy once. Every future deal reflects the update automatically. No manual retraining.
“We finally have an underwriting copilot that understands our policy book. The audit trail alone changed how we prepare for exams.”
Chief Credit Officer, Community Bank
Policy Intelligence is the engine that digitizes your institution's CRE credit policy and runs every deal against it automatically, with 100% policy coverage and dual citations on every flag (the data point that triggered the flag, and the exact policy section it violates). It turns your policy documents into structured, executable rules so every loan is checked for compliance before it reaches committee, with every exception flagged, cited, and documented, all on a SOC 2 Type II certified platform. Used by both community and regional banks and private credit teams.
Every deal is checked against your institution's full credit policy the same way, every time. Exceptions are automatically flagged with the specific policy section they violate, the business justification required, and the approval level needed. Whether you're preparing for a bank examiner or reporting to your investment committee and LPs, the audit trail is already built.
No. LenderBox ingests your existing policy documents as they are today. Our team works with your credit leadership to translate your written policy into structured rules, then maintains them as your policy evolves. You own the policy; we operationalize it. The same approach works for bank credit policies and private credit fund mandates.
Every exception is classified by policy section, severity, and approval authority required. The system routes exceptions to the correct approver, captures the business justification, and logs the entire decision trail. Your exception reporting for the board, investment committee, LPs, or examiners is generated automatically.
LenderBox is SOC 2 Type II certified with comprehensive security and audit controls. For banks, the platform is designed to meet OCC Third-Party Risk Management guidance (OCC Bulletin 2023-17), GLBA requirements, and state banking examiner standards. For private credit funds, it meets the due diligence, audit trail, and data security standards institutional LPs require. Full documentation is available for your vendor risk assessment.
LenderBox uses transparent pay-as-you-go pricing with a one-time activation fee that is credited toward your usage. No long-term contracts, no hidden fees. Most institutions go live in 2-4 weeks, whether they're a community bank, regional bank, or private credit fund. We handle the policy translation and rule configuration; your team reviews and signs off. Total staff time is typically 5-10 hours across credit leadership and compliance. Pricing scales with your portfolio size and deal volume, book a demo for a scoped quote.
Loan origination systems like nCino or Baker Hill require you to rebuild your credit policy inside their rules engine, which means translating your written policy into their data model and maintaining two sources of truth. Policy Intelligence reads your actual policy document as written, and every flag carries a dual citation back to the data point and the exact policy section. Versus manual compliance checking in spreadsheets or binders, Policy Intelligence is the only engine that produces examiner-ready dual citations automatically and connects directly to Document Intelligence, Portfolio Intelligence, Risk Assessment, and credit memo generation on the same SOC 2 Type II certified platform. You own the policy; we operationalize it without a parallel system.
Upload your credit policy manual. We'll show you how every deal gets checked, with citations your examiner can verify.
Schedule a Demo
AI-powered commercial real estate lending intelligence. From document intake to committee-ready credit memo in 35 minutes.
sales@lenderbox.ai (469) 340-2697
© 2026 LenderBox, LLC. All rights reserved.