Accelerating Underwriting Cycles by 40% for a Commercial Lender

Client Overview

A specialized commercial lender focused on business financing solutions was experiencing operational inefficiencies in its underwriting process, impacting competitiveness, internal efficiency, and customer satisfaction as application volumes increased.

Problem Statement

• Underwriting turnaround time extended up to 20 hours per case
• Lengthy verification and review steps delayed borrower responses
• Inconsistent decision-making for complex loan applications
• Manual, fragmented workflows reduced productivity and market responsiveness

Solution Provided

Decimal Point Analytics partnered with the client to redesign and optimize underwriting workflows with a focus on speed, consistency, and scalability.

• Eliminated redundant steps across underwriting and verification
• Standardized, quality-controlled loan processing for high volumes
• Established a structured approach for document and collateral assessment
• Standardized decision logic across underwriting teams

Outcome

• Underwriting time reduced from 20 hours to 13 hours
• Approximately 40% faster underwriting turnaround
• 2× application handling capacity
• Faster borrower responses and higher engagement

Key Takeaway

Operational efficiency at scale is achieved by removing bottlenecks, not adding resources. Streamlined underwriting enables faster decisions, better experience, and sustainable growth.

Closing CTA

If underwriting delays are limiting your growth, connect with Decimal Point Analytics to explore how process optimization can drive measurable impact.