A human is always in the loop. Sweet's AI reads, checks, extracts and flags. It does not approve, decline, price or decision a loan, and it never will without you turning that on deliberately. That is not a limitation we are apologising for — it is the design, and it is why your credit committee and your examiners can live with it.
What it does before your underwriter opens the file
- Reconciles key data across the whole loan file, and tells the borrower what to fix while they are still in the application.
- Assesses legibility and completeness against the program criteria you configured.
- Flags inconsistencies between the application, the tax returns, the balance sheet and the collateral schedule: the mismatches that normally surface a week before closing.
- Extracts and spreads data into the structure of the underwriting workbook your team already uses, so nobody has to abandon a model they trust.
What it does not do
- It does not approve or decline an application.
- It does not set your pricing or your eligibility.
- It does not fabricate. It tells you what it found, or that it did not find it.
How it works, and how you keep control
- OCR plus large language models, not self-trained. You define what is checked and what is extracted.
- It works on any document format, including handwritten ones, which in commercial files is not an edge case.
- You can see who approved, rejected, edited or overrode any AI-generated result, so AI-assisted work stays auditable.
- You choose where on the spectrum to sit, from assisted review to more automation, and move along it as your confidence grows. You are not asked to start at the far end.
Learn more in the AI FAQ or the white paper AI in Commercial Credit.
