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Overview of the module

This guide walks you through a complete Credit Underwriting Module, from connecting the module to Finverity to reading the final risk score. Each chapter covers one stage of the process and matches a tab in the assessment workspace.

How the module works

The Credit Underwriting Module helps you assess the financial health and risk profile of your corporate borrowers. It reads the borrower's financial documents and transaction data, calculates financial ratios and behavioural metrics, and combines them into a single risk score out of 100.

Every assessment follows the same six stages. Each stage has its own tab in the assessment workspace:

Stage

Where

What you do

1. Set up (once)

Profile menu > Settings

Connect the module to Finverity and apply your branding. Super administrators only.

2. Start

Dashboard

Create a new assessment and choose the borrower.

3. Add data

Upload tab

Select or upload the borrower's financial documents and transaction files, then run the analysis.

4. Check

OCR Review tab

Check the figures read from the documents and correct anything that is wrong or missing.

5. Analyse

Analysis tab

Review ratios, cash flow and transaction behaviour against your benchmarks.

6. Score

Scoring tab

See the final score, the risk level and what drove the result.


A seventh tab, Config, lets authorised users adjust how the score is calculated so that it matches your credit policy. See chapter 8.