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Risk Analysis Model     |     Data Science Platform     |     Business Rule Engine     |     Deterministic model     |     Probabilistic Model     |     API Integration     |     Financial Spreading Model     |     Credit Decisioning Engine     |     70% Faster Data Extraction     |     99.6% Accuracy     |     Risk Analysis Model     |     Data Science Platform     |     Business Rule Engine     |     Deterministic model     |     Probabilistic Model     |     API Integration     |     Financial Spreading Model     |     Credit Decisioning Engine     |     70% Faster Data Extraction     |     99.6% Accuracy     |     Risk Analysis Model     |     Data Science Platform     |     Business Rule Engine     |     Deterministic model     |     Probabilistic Model     |     API Integration     |     Financial Spreading Model     |     Credit Decisioning Engine     |     70% Faster Data Extraction     |     99.6% Accuracy     |     Risk Analysis Model     |     Data Science Platform     |     Business Rule Engine     |     Deterministic model     |     Probabilistic Model     |     API Integration     |     Financial Spreading Model     |     Credit Decisioning Engine     |     70% Faster Data Extraction     |     99.6% Accuracy     |     Risk Analysis Model     |     Data Science Platform     |     Business Rule Engine     |     Deterministic model     |     Probabilistic Model     |     API Integration     |     Financial Spreading Model     |     Credit Decisioning Engine     |     70% Faster Data Extraction     |     99.6% Accuracy     |     Risk Analysis Model     |     Data Science Platform     |     Business Rule Engine     |     Deterministic model     |     Probabilistic Model     |     API Integration     |     Financial Spreading Model     |     Credit Decisioning Engine     |     70% Faster Data Extraction     |     99.6% Accuracy     |    

“Newgen’s Commercial Banking solutions have transformed our operations. We’ve achieved 30% faster loan approvals and gained deeper business insights, all while maintaining seamless integration and regulatory compliance.”

— Chief Operating Officer, Leading Indian Bank

Key Features of Newgen’s Agentic Journeys for Commercial Banking

Document Categorize, Summarize & Get Answers with AI

Get document intelligence for classification, summarization, and interactive Q&A with highlighted responses. Effortlessly compare versions, identify differences, and manage customer communications.

Automated Credit Decisioning & Underwriting

Make faster, risk-optimized lending decisions with AI-powered insights. Automate approvals using predefined rules, models, and risk thresholds while ensuring seamless credit policy alignment. Detect hidden risks, predict borrower performance, and reduce defaults with real-time AI-driven analytics, empowering smarter, faster, and more efficient commercial lending.

End-to-End Lending Automation

Transform risk assessment and credit decisioning with intelligent automation. From financial spreading to predictive risk analysis, AI streamlines workflows enhances accuracy and accelerates loan approvals. Advanced models adapt to market trends, ensuring compliance, minimizing revenue leakage, optimizing portfolio performance, and delivering smarter, faster, and more reliable lending decisions.

Loan Portfolio Optimization

Leverages NewgenONE LumYn for deep insights and actionable intelligence. Track covenants, loan transactions, and delinquencies, ensuring proactive risk management. With a 360° customer view, lenders can assess borrower behavior, portfolio health, and YOY trends. AI-powered risk analysis identifies early warning signals, while performance metrics drive data-backed decisions, optimizing lending strategies.

Financial Spreading

Automate data entry with 70% efficiency and nearly 100% accuracy. Leverage AI, OCR, and ML for seamless data extraction from financial statements into customizable templates. Perform financial ratio analysis, DSCR calculations, etc., and AI-powered creditworthiness assessments. Gain AI-driven insights on YOY financial trends. Visualize data with dynamic, interactive graphics for deeper analysis.

Document Categorize, Summarize & Get Answers with AI

Get document intelligence for classification, summarization, and interactive Q&A with highlighted responses. Effortlessly compare versions, identify differences, and manage customer communications.

Automated Credit Decisioning & Underwriting

Make faster, risk-optimized lending decisions with AI-powered insights. Automate approvals using predefined rules, models, and risk thresholds while ensuring seamless credit policy alignment. Detect hidden risks, predict borrower performance, and reduce defaults with real-time AI-driven analytics, empowering smarter, faster, and more efficient commercial lending.

End-to-End Lending Automation

Transform risk assessment and credit decisioning with intelligent automation. From financial spreading to predictive risk analysis, AI streamlines workflows enhances accuracy and accelerates loan approvals. Advanced models adapt to market trends, ensuring compliance, minimizing revenue leakage, optimizing portfolio performance, and delivering smarter, faster, and more reliable lending decisions.

Loan Portfolio Optimization

Leverages NewgenONE LumYn for deep insights and actionable intelligence. Track covenants, loan transactions, and delinquencies, ensuring proactive risk management. With a 360° customer view, lenders can assess borrower behavior, portfolio health, and YOY trends. AI-powered risk analysis identifies early warning signals, while performance metrics drive data-backed decisions, optimizing lending strategies.

Financial Spreading

Automate data entry with 70% efficiency and nearly 100% accuracy. Leverage AI, OCR, and ML for seamless data extraction from financial statements into customizable templates. Perform financial ratio analysis, DSCR calculations, etc., and AI-powered creditworthiness assessments. Gain AI-driven insights on YOY financial trends. Visualize data with dynamic, interactive graphics for deeper analysis.

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Agentic Use Cases for Commercial Banks

Credit Administration & Approval Assistance with NewgenONE Marvin

Efficiently extract and summarize key insights from legal, loan, and sanction documents with AI-driven precision. Instantly retrieve critical details like loan terms and borrower data for faster, more accurate reviews.

Early Warning Triggers for Proactive Risk Management

Utilize our Early Warning System agents, which are regulatory-defined, bank-specific, and AI-generated indicators, to detect financial distress in commercial lending. Analyze borrower sentiment, transactional anomalies, compliance breaches, and financial trends to classify risk levels. Process filings, litigation, disclosures, and market signals to generate predictive alerts, enabling proactive risk mitigation, reduced NPAs, improved portfolio resilience, and smarter decision-making through agentic AI recommendations.

Automated Financial Spreading Tool

Utilize AI-driven spreading tools to automate the extraction and classification of financial data into predefined templates, minimizing manual effort and boosting efficiency. Built-in validations and support for PDFs, scans, and Excel in multiple languages ensure high accuracy and flexibility.

Credit Administration & Approval Assistance with NewgenONE Marvin

Efficiently extract and summarize key insights from legal, loan, and sanction documents with AI-driven precision. Instantly retrieve critical details like loan terms and borrower data for faster, more accurate reviews.

Early Warning Triggers for Proactive Risk Management

Utilize our Early Warning System agents, which are regulatory-defined, bank-specific, and AI-generated indicators, to detect financial distress in commercial lending. Analyze borrower sentiment, transactional anomalies, compliance breaches, and financial trends to classify risk levels. Process filings, litigation, disclosures, and market signals to generate predictive alerts, enabling proactive risk mitigation, reduced NPAs, improved portfolio resilience, and smarter decision-making through agentic AI recommendations.

Automated Financial Spreading Tool

Utilize AI-driven spreading tools to automate the extraction and classification of financial data into predefined templates, minimizing manual effort and boosting efficiency. Built-in validations and support for PDFs, scans, and Excel in multiple languages ensure high accuracy and flexibility.
Newgen’s Commercial Banking Solutions by Line of Business

Corporate Customer Onboarding

Enable a frictionless account opening journey with an omnichannel, digital-first experience and create the perfect first impression. Onboard customers in no time through any channel, anytime, anywhere.

Digital Commercial Lending

Accelerate commercial lending with AI-driven automation, seamless digital onboarding, and real-time risk assessment. Streamline loan origination, underwriting, and servicing while ensuring compliance, and personalized financing for business growth.

Commercial Loan Management System

Automate commercial lending for all loan types with seamless front-to-back-office integration, ensuring compliance, security, and efficiency. Enable end-to-end digitization for faster processing, enhanced risk management, and superior customer experiences.

Commercial Loan Collections

Optimize debt collections with AI-driven risk assessment, real-time monitoring, and automated workflows. Ensure compliance, enhance recovery, and streamline operations with seamless integrations and personalized strategies for agility and scalability.

Portfolio and Post Disbursal Monitoring

Optimize risk portfolio management with real-time covenant monitoring, account conduct tracking, automated renewals, and post-loan disbursement monitoring. Streamline loan lifecycle management by seamlessly adding, modifying, and enforcing covenants for enhanced compliance, risk mitigation, and profitability.

Corporate Customer Onboarding

Enable a frictionless account opening journey with an omnichannel, digital-first experience and create the perfect first impression. Onboard customers in no time through any channel, anytime, anywhere.

Digital Commercial Lending

Accelerate commercial lending with AI-driven automation, seamless digital onboarding, and real-time risk assessment. Streamline loan origination, underwriting, and servicing while ensuring compliance, and personalized financing for business growth.

Commercial Loan Management System

Automate commercial lending for all loan types with seamless front-to-back-office integration, ensuring compliance, security, and efficiency. Enable end-to-end digitization for faster processing, enhanced risk management, and superior customer experiences.

Commercial Loan Collections

Optimize debt collections with AI-driven risk assessment, real-time monitoring, and automated workflows. Ensure compliance, enhance recovery, and streamline operations with seamless integrations and personalized strategies for agility and scalability.

Portfolio and Post Disbursal Monitoring

Optimize risk portfolio management with real-time covenant monitoring, account conduct tracking, automated renewals, and post-loan disbursement monitoring. Streamline loan lifecycle management by seamlessly adding, modifying, and enforcing covenants for enhanced compliance, risk mitigation, and profitability.

Success Stories

Case Study

A Leading Commercial Bank in India Modernizes its Lending Process with Newgen

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Case Study

Large New York-Based Bank Transforms its Commercial Loan Origination

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Case Study

A Leading Community Bank Transforms Lead Management for Commercial Lending with Newgen

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Benefits of Newgen’s Commercial Banking Solution

  • Servicing all lending products on a single platform.
  • Proactive risk mitigation with AI-powered alerts that help prevent defaults before they happen.
  • Reduces NPAs by detecting risks early and enabling preventive actions for higher portfolio stability.
  • Reduce approval time by quickly surfacing critical insights with faster document review.
  • AI extracts key data in seconds, enhancing decision-making with instant case summarization.
  • Rich domain expertise required in a robust commercial lending application.
  • Automate sorting and improve document management efficiency with intelligent document classification.
  • Rules and decision automation using robust rule engines and straight-through processing.
  • Covenant Monitoring, Spreading, and Collateral Management.
  • Monitoring of special assets portfolio monitoring and analysis.
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Experience AI-powered commercial lending for accelerated decisioning, reduced risks, optimized costs, and boosted accuracy.

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