"Today's lending environment is tight, and margins are feeling the pressure. It's clear that a lender's profitability has a lot to do with how well decisions are made and managed throughout the loan process. But many lenders are still relying on manual reviews and policy updates that can take weeks to put into place. AI decisioning is shifting that reality. Instead of running operations as a reactive cost center, lenders can move toward faster, data-driven growth that supports both efficiency and scale."
"Lenders who can adapt to rapid product launches, uniform underwriting logic, and fewer touch points shield margins and deliver improved experiences to borrowers. The Sapiens Decision solution helps lenders drive this shift through its AI Decisioning platform. With its technology, analysts can manage decisions and test them without involving IT in development. In traditional rule management, many technology professionals are involved in incorporating each modification into a loan origination or underwriting system."
"Rather than being responsible for hundreds of discrete rules, lenders now make decisions within a managed framework. These business decisions are separated from technology systems. All decision logic is centralized in a single location and written in straightforward, understandable terms so that anyone involved in lending can follow the logic, make adjustments, and keep decisions aligned with their current policy."
Lending margins are under pressure as many lenders rely on manual reviews and slow policy updates that can take weeks. AI decisioning enables faster, data-driven growth by automating, auditing, and rapidly deploying workflow and logic changes. Analysts can manage and test decisions without involving IT, allowing rapid product launches, uniform underwriting logic, and fewer touchpoints that protect margins and improve borrower experiences. Decision logic is centralized in a single, understandable location and separated from technology systems so business users can follow and adjust rules. Centralized logic helps risk managers and analysts identify rule interactions, overlaps, and inconsistencies across the lending process.
Read at www.housingwire.com
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