Solutions ยท Lending & Credit
Decide faster.Defend cleaner.
Lending AI built for the conversion and the audit.
Pryme Intelligence gives lenders governed AI agents that triage applications, review supporting documents, run affordability assessment, draft regulator-compliant decline communications, identify vulnerable customers across the credit lifecycle, and surface portfolio risk early. It sits above the LOS, decisioning engine, open-banking, and bureau stack you already run.
You do not need another lending AI vendor.
You need faster credit decisions, cleaner servicing, stronger collections treatment, and fair-lending evidence your regulator and model-risk team can both inspect.
You keep the LOS and decisioning engine
Pryme Intelligence sits above Encompass, nCino, Black Knight, FICO, Provenir, Zest, and the rest of the lending stack you already run. You do not need another replacement programme to move faster.
You need fair-lending evidence, not AI theatre
Credit is a regulated, high-stakes workflow. Pryme Intelligence keeps model lineage, principal reasons, approvals, and vulnerable-customer handling tied to the same audit trail your compliance team has to defend.
You want consolidation, not another point vendor
Application intake, document review, affordability, decline communications, servicing, and collections can run in one governed Workspace instead of six separate AI add-ons.
Originate -> Underwrite -> Service -> Defend.
The same governed pattern has to hold from application intake through underwriting, borrower servicing, collections, and regulator review.
Originate
Pryme Intelligence captures applications across web, app, broker, dealer, and partner channels, routes them by product and segment, chases missing information, and surfaces fraud signals before the file reaches underwriting.
Underwrite
Documents are reviewed, affordability is assessed, and policy exceptions are flagged before the underwriter opens the file. Underwriters spend time on judgement and structure instead of reading payslips and chasing missing fields.
Service
Borrower service runs across web, app, branch, broker portal, and voice with full account context. Routine servicing resolves in seconds, while payment holidays, forbearance, and collections treatment paths route through your approval chain.
Defend
Every agent action is recorded with the application or account, the data, the policy citation, the principal reasons, the approver, the timestamp, and the affected system so audit, model risk, and regulators can inspect the same trail.
One Workspace across mortgage, personal, auto, SME, asset finance, BNPL, and embedded lending.
Lenders do not buy AI by segment. They buy it across originations, underwriting, servicing, collections, and control. Pryme Intelligence gives you one governed layer across the credit lifecycle.
Two pre-trained agents. Five blueprints ready to deploy. Two with enterprise setup.
These are the lending agents a Chief Lending Officer, CRO, CCO, and Head of Collections can actually understand, stage, and govern.
Lending Servicing Agent
Acts as a senior lending servicing officer across mortgage, personal, auto, and SME products. Handles balance and repayment queries, statement requests, payment-date changes, early-settlement quotes, and broker queries in your brand voice.
- Answers routine servicing questions with full loan and payment context already attached.
- Drafts borrower communications while routing settlement, payment-holiday, and forbearance decisions through named approvers.
- Flags vulnerable-customer signals at the moment of contact instead of after the interaction has drifted.
Credit Underwriting Agent
Pre-trained on retail and SME credit underwriting patterns. Reads applications, identifies missing information, summarises supporting documents, and flags policy exceptions before the underwriter decides.
- Turns messy application files into cleaner cases with missing-information chase already drafted.
- Summarises supporting documents and affordability evidence with citations back to source.
- Keeps approvals, declines, and policy-exception decisions tied to the named underwriter and policy thresholds.
The workflow pages your lending team reuses.
Lenders adopt Pryme Intelligence one team at a time. The same Workspace already spans customer support, compliance, reporting, operations, sales, marketing, and HR.
Customer Support
Borrower service, broker support, vulnerable-customer detection, and collections-moment routing.
Compliance & Risk
Consumer Duty, ECOA or fair-lending, complaint handling, AML for SME credit, and inquiry response.
Financial Operations
Loan accounting support, reconciliations, vendor controls, and regulatory evidence handling.
Reporting & Analytics
Portfolio analytics, vintage analysis, provisioning support, regulator packs, and board MI.
Operations
Cross-system handoffs, runbook execution, incident response, and operational resilience.
Sales & Growth
Broker and introducer support, partner-channel growth, and renewal or facility prep.
Marketing & Content
Regulated lending communications, direct-to-consumer campaigns, and PR review support.
HR & Admin
Internal service operations, onboarding, and people workflows on the same governance rail.
Pryme Intelligence is the agent layer above the lending stack, not another replacement programme.
That is the first objection. The page should answer it directly. You keep the LOS and decisioning engine. Pryme Intelligence adds governed execution, approvals, servicing, and fair-lending evidence across the workflows your stack still leaves manual.
Built for the people who have to sign, defend, and operate the credit lifecycle.
The page has to speak to lending leadership, risk, collections, compliance, and operations at the same time because those are the people who decide whether lending AI gets deployed or dies in committee.
Chief Lending Officer
You need faster decision time, better funnel conversion, and a credit operation that scales without adding underwriters every time volume rises.
Chief Risk Officer
You need AI in lending to survive model risk, fair-lending review, and portfolio governance instead of introducing another opaque decision layer.
Head of Originations
You need clean applications, faster broker turnaround, and less document drag so good borrowers do not convert with the lender down the road instead.
Head of Collections and servicing
You need collections treatment and borrower servicing that protect vulnerable customers, keep the regulator out of the inbox, and still improve recovery outcomes.
What your team should expect in the first quarter.
The point is not a prettier AI layer. The point is more applications converted, more consistent underwriting, cleaner servicing, and fair-lending evidence that is easier to defend every month.
What lending buyers ask before they move.
These are the questions that determine whether a lending AI project reaches production or dies at model risk, fair lending, or TPRM.
Does Pryme Intelligence replace our LOS or decisioning engine?
No. Pryme Intelligence sits above the LOS, decisioning engine, bureau stack, and servicing systems you already run. The point is to add a governed agent layer, not start another replacement programme.
How does Pryme Intelligence support fair lending, ECOA or Reg B, and Consumer Duty?
It keeps decisions, principal reasons, vulnerable-customer routing, approvals, and evidence tied to one immutable trail so your compliance and fair-lending teams can inspect the same runtime record the business used.
Can a Pryme Intelligence agent approve, decline, or change a borrower account without approval?
No. Those are permissions you grant, not defaults. Credit decisions, policy exceptions, treatment-path changes, and sensitive borrower communications stay approval-gated under named humans.
Can Pryme Intelligence work with Encompass, nCino, Black Knight, FICO, Provenir, or our internal systems?
Yes. The product is designed to sit above the existing lending stack and connect the LOS, decisioning engine, documents, open banking, bureau data, and servicing systems into one governed workflow layer.
How does Pryme Intelligence help with vulnerable-customer handling in service and collections?
It can surface vulnerability indicators at contact or collections moments and route those cases into the right policy path before the interaction drifts into harm or regulatory exposure.
How does Pryme Intelligence fit model risk and EU AI Act high-risk expectations?
It keeps model use inside a governed runtime with lineage, monitoring, approval traceability, and exportable evidence so model-risk and validation teams can inspect how AI is being used in production.
What does procurement get instead of another AI pilot deck?
A lender-ready brief, one governed Workspace, clear TPRM and control posture, and a production path that does not depend on yet another single-purpose vendor.
Bring a real application backlog or collections queue.
We will show you what Pryme Intelligence does with it.
Pick one real lending workflow you already run - application intake, underwriting backlog, decline communications, borrower servicing, or collections triage. You will see a governed Pryme Intelligence agent on it live, with the fair-lending trail your regulator would expect to read.