AI-Native AUS for Non-QM Lenders | Kizen

The AUS for Non-QM Lenders

Process complex borrower packages, calculate non-traditional bank statement and asset-based income, and apply multiple investor overlays in minutes.

Built for non-QM complexity

Apply investor-specific overlays and alt-doc income calculations that generic lending tools ignore.

Native Encompass Integration

Process loans in Encompass without switching tabs. Kizen is natively integrated with ICE to fit into your team’s existing workflows.

Alt-Doc Income Engine

Set logic to calculate non-QM income from assets and 12- and 24-month bank statements. Autofilter personal and non-recurring deposits.

Rules Engine for Investor Overlays

Easily adjust lending rules to fit specific investor guidelines without waiting on IT. Customize by product type and loan characteristics.

Deploy lending AI your team will actually adopt

Document Classification & Extraction

Index and extract 1000+ document types in messy borrower packages from any source. Handle bank statements, DSCR, asset utilization, and other non-QM loan packages. Deliver data into Encompass eFolders or any system.

Intelligent Data Validation

Set confidence thresholds for every result. Validate among documents and across systems to catch inconsistencies. Exceptions route to the right person with full context of each field for review, without needing to leave Encompass.

Tamper Detection & Fraud Prevention

Flag suspicious documents without adding friction. Detect font changes, date mismatches, and income figures that don't reconcile.

Deal Screen Memo Generation

Generate deal screen memos in seconds based on borrower financials. Review, refine, and send to underwriting.

AI Agent Factory

Empower both IT teams and non-technical users to build AI agents safely, with built in guardrails and observability.

Experience the only AI platform that actually understands non-QM

Minimize manual touches

Maximize no-touch loans

Handle peak season volumes

Scale at will with your existing team

Cut submissions per loan

End the back-and-forth

Reduce manual underwriting touches

Eliminate stare-and-compare errors

Cut 90% of time spent on manual indexing, extraction, and validation. Maximize your no-touch loans, with documents simply ingested, processed, and placed back in an eFolder or any system in your stack.

Process 5x volume without 5x stress

Clear pipeline surges without scrambling

Let AI analyze the documents in 10 seconds, and let humans approve more loans.

Close faster with 50% fewer submissions

Stop asking for documents you already have

Fix the root cause of resubmissions. Get classification, extraction, and routing right the first time and stop conditions before they start.

How it works

Plugging into your current stack

Kizen sits across your existing systems and integrates with your stack. With Kizen’s native ICE integration, you can use Kizen directly in Encompass, without changing tabs.

Loan document intake

Ingest documents from any source with automated, event-driven processing. Process unstructured data, combined loan packages with different borrowers, emails with loan packages, SFTP, your LOS, or whatever fits your workflows.

Rules engine

Easily adjust lending logic to fit your specific guidelines and investor overlays, without waiting on IT support. Customize business rules for each product type and stage of the loan lifecycle, with granular edit permissions, version history, and auditability.

Validation & reconciliation

Detect mismatches among documents and reconcile across systems and LOS loan data automatically. Resolve anomalies with intuitive exception handling based on your thresholds and rules.

Modular architecture

Start with one lending use case, or deploy across your organization. Kizen is composable and scales on your own timeline.

Your team maintains control with AI-enabled speed and scale

Reduce manual document work by 80%

Process 5x peak volume without additional staff

Increase pull-through rate by 15%

Free underwriters for high-value risk assessment

Calculate ROI for your lending operations

See how AI-powered speed and efficiency drive ROI across your workflows

$360

Your potential annual ROI with Kizen

“We processed 5x volume during the refi boom without hiring a single temp. Kizen's AI handled everything.”

Community Bank Operations VP

Ready to unlock your team’s full potential?

Learn how your team can save time and money when you automate, innovate, and grow with Kizen.

FAQs

What are some of the most common ways that banks and lenders use Kizen?

Three high-ROI areas:

• Consumer and mortgage lending: Classify, extract, and analyze loan packages in seconds.
• Commercial banking: Turn financial statements into clean, auditable data and monitor covenants at scale.
• Retail and deposit operations: Unify fragmented interactions and speed account opening with AI-assisted document intake.

How is data secured?

• SOC 2 Type 2 controls
• ISO 27001 compliant information security management
• Data encrypted in transit and at rest
• Role-based access control and field-level permissions
• SSO support
• Detailed audit logs for every AI agent action

Does Kizen train models on client data?

No. Kizen never trains on your data. You can use your own LLM accounts or have usage passed through your instance with the correct privacy settings. Either way, your data stays your data.

Can Kizen integrate with legacy banking or lending systems?

Yes. Through secure APIs and SmartConnectors, Kizen connects to core banking, LOS, and CRM platforms, providing real-time data synchronization and process automation without major infrastructure change.

For document extraction, how does exception handling work?

Each extraction includes a confidence score. You set thresholds. Below threshold items are routed to humans for review, with page-level citations and audit trails. Teams can correct and approve in minutes.

Can we deploy in our cloud or on-prem?

Yes. Options include Kizen’s multi-tenant cloud, private cloud, or on-prem. Many clients start in our cloud for speed, then decide if a private deployment is needed.

How do we get set up with Kizen?

There are two paths:

• We build together: Kizen can implement 1 to 4 priority workflows with your SMEs, then train your team to run and expand.
• You build with our support: Use pre-trained agents and low-code tools, and call us when you want help.

How do we get started without a long IT project?

Start small and modular. Many banks begin by automating a single high-value workflow, like loan package intake, account opening, or financial statement extraction, without ripping and replacing core systems. Kizen connects through SFTP, API, or simple file drops, so you can stand up a production workflow in weeks, prove ROI, and expand across departments on your own timeline.