What we do
Lending Operations
Lending Operations
Our Lending Operations outsourcing services streamline and strengthen the full credit lifecycle from borrower evaluation to document workflows and automation. With deep experience across retail, SME, CRE, and specialized government-backed lending programs like SBA and USDA, DPA enhances credit risk visibility, operational efficiency, and compliance integrity. We combine intelligent workflows with domain-grounded execution to help lenders underwrite faster, safer, and smarter.
30%
Faster SBA loan processing
40%
Increase in operational efficiency
~99%
Accuracy in documentation
What We Do
Loan Underwriting
Comprehensive borrower assessments based on financials, behavior, and industry dynamics, including SBA eligibility, USDA criteria, and CRE parameters to support sound credit decisions.
Credit Risk Evaluation
Risk scoring models and expert reviews for real-time insights into borrower creditworthiness and portfolio-level exposure, applicable across traditional and specialized loan types.
Collateral Operations and Covenant Management
Automated tracking and validation of collateral status and covenant adherence, reducing manual effort and regulatory risk.
Loan Screening and Due Diligence
Pre-sanction diligence across KYC, financial health, market intelligence, and program-specific checks for SBA/USDA-backed borrowers to ensure high-quality origination.
Loan Document Management
Digitization, tagging, and lifecycle tracking of credit documents—structured to handle the compliance-heavy documentation of SBA, USDA, and CRE loans, enabling audit-readiness and version control.
Process Automation in Lending
Workflow automation and system integration to speed up loan processing, cut TAT, and improve customer experience—optimized for both conventional and government-backed loans.
Loan Closing
Our teams manage reversals, limit tracking, GL reconciliation and month-end reporting, along with seamless loan payoff, settlement, and due diligence at closure.
CRE Loan Portfolio Management
For CRE lenders, AI-driven automation processes Rent Rolls and Operating Statements at scale, delivering insights. Our Rent Roll and OSAR tools equip portfolio managers with market-aware, predictive analytics.
Loan pool and CMBS transactions
When CRE lenders buy, sell, or securitize loan pools, our due diligence systems rapidly analyze loan tapes, documents, covenants, and servicer agreements for faster, informed decisions.
Why DPA
Execution-Backed Expertise
Our loan process outsourcing capabilities for - for NBFIs, credit hedge funds and banks are proven in the field—not just on paper.
Seamless Blend of People + Tech
Our teams work at the intersection of lending workflows and automation, helping clients scale with agility.
Lender-Specific Customization
From co-lending to priority sector norms, we tailor every solution to your lending model and regulatory setting.
Robust Data Security
Utmost standards of data security, ensuring complete confidentiality and protection of sensitive information.
Audit-Ready, Always
Data trails, document accuracy, and compliance workflows are embedded from day one.
Recommended Success Stories
Frequently Asked Questions
Everything you need to know about Lending Operations with Decimal Point Analytics.
Yes. Our teams and automation tools are platform-agnostic. We work directly within your environment (via VPN or VDI) to ensure data never leaves your system of record. Whether you use nCino, Encompass, or a proprietary LOS, our workflows overlay seamlessly to reduce manual re-keying and accelerate throughput.
Absolutely. We specialize in Knowledge Process Outsourcing (KPO), not just data entry. Our teams consist of financial analysts capable of spreading complex financials, analyzing cash flow for CRE/C&I loans, and managing ongoing covenant compliance and collateral tracking throughout the loan lifecycle.
Software alone requires implementation, training, and maintenance. DPA provides the outcome of software without the overhead. We combine proprietary tools (like DocuAgentIQ) with expert analysts to handle exceptions that break standard automation. You get the speed of AI with the judgment of experienced underwriters, delivering a "clean file" ready for final credit decision.
We utilize a "lift and shift" followed by "fix and optimize" approach. Transition typically takes 4-6 weeks, starting with process mapping and shadow processing. Our goal is to achieve operational stability within the first month and begin delivering efficiency gains (such as the 30% speed improvement seen in our SBA programs) by month three.
