AI automation for lending operations
Kaji turns tax returns, rent rolls, appraisals and bank statements into validated data, decisions and actions, on top of the systems you already run, and learns from every reviewer correction. No rip-and-replace.
30 minutes. A focused pilot on your documents, measured against your own baseline.
| loan | file | doc type | status | fields |
|---|---|---|---|---|
| 202604492 | Harborview Properties LLC Cert.pdf | Certificate of Standing | ✓ completed | 14/14 |
| 00316 | First_Bank_of_Springfield_stmt.pdf | Bank Statement | ◉ in review | 31/33 |
| 202604165 | Cash-Out_Letter_769_E.pdf | Loan Application | ◐ extracting | — |
| 202604165 | FloodCert_769_E_103Rd.pdf | Flood Certificate | ✓ completed | 9/9 |
| 202604492 | Harborview Properties LLC EIN Letter.pdf | EIN | ● ingesting | — |
| 202604492 | AOI - Harborview Properties LLC.pdf | Articles of Organization | ✓ completed | 12/12 |
09:41:02 ingest AOI - Harborview Properties LLC.pdf → Articles of Organization 09:41:05 extract 12 fields · every value linked to page + bbox 09:41:06 validate 12/12 passed · pushed to system of record
Every file tracked from ingestion to review. Every value linked back to its source.
The operating bottleneck
Critical lending processes depend on information that arrives unstructured, inconsistent and difficult to operationalize. People fill the gap.
Unstructured inputs
The human layer
Output
Share of underwriting team time
Shifting underwriting teams from data keyers to capital allocators.
The intelligent workflow layer
Your origination and servicing core stays the system of record. Kaji pulls documents in through APIs, handles the manual work in between, and pushes validated data back. See how it connects →
Tax returns, audits, rent rolls, appraisals and property data are classified and extracted as soon as they arrive, whatever their format.
Auto-spreading and cross-document calculations: NOI, DSCR, LTV, LTC, debt yield, reserves and any other ratio your credit policy defines, built from rent rolls, operating statements, appraisals, notes and bank statements, with every input traced to its source page.
Every loan is checked against your credit policy, investor guidelines and covenant terms, both at underwriting and throughout the life of the loan. Exceptions are flagged with the evidence behind them.
Every extracted value carries its source page and bounding box. Reviewers mark the value and the box correct or incorrect, so review is fast and defensible.
Each time a reviewer confirms or corrects a value or its bounding box, that decision is captured and used to retrain the models. Your models are tuned to your own documents, workflows and requirements, and get more accurate with every file you process.
Cross-document calculations
Underwriting math rarely comes from a single document. Kaji assembles each input from the rent roll, operating statement, appraisal, note, tax bill, insurance declarations and bank statements, then calculates NOI, DSCR, LTV, LTC, debt yield, reserves and any other ratio your credit policy uses. Every input stays linked to its source page, so every result can be traced and defended.
Source documents
Calculating —
--:--:-- calc 10 documents · 14 inputs extracted · each linked to page + bounding box
Every ratio shows its inputs, and every input shows the document and page it came from.
Policy & guideline compliance
Upload your credit policy, investor guidelines and covenant terms as they are, even as a spreadsheet of questions. Kaji maps each rule to the document types and extracted fields it needs, evaluates it on every file, and sends exceptions to an underwriter with the source evidence attached.
| Document type | Question / criteria | Required data fields | Evidence | Result |
|---|
--:--:-- rules 269 rules loaded · mapped to document types and schema fields
Your rules, applied the same way on every file. Every pass and every exception is traceable to the page it came from.
Works with your systems
Your LOS, servicing core and other systems of record stay exactly where they are. Kaji pulls documents from any API-accessible source, handles extraction, validation, rule checks and review, then pushes the results back to your system of record through its API: model output and every human decision, with the evidence attached.
Your document sources
any source with an API
Kaji workflow layer
Your system of record · LOS / servicing core
Latest API payload · POST /loans/202604492
// waiting for the first push…
--:--:-- connect authenticated · document sources and system of record reachable
API in, API out. Your system of record stays the system of record, now with the evidence behind every value.
What stays the same
What Kaji writes back through your API
From evidence to action
Kaji doesn't just generate an answer. Each step leaves a record you can audit, and every human decision is fed back to make the next extraction better.
Human review → continuous learning
Confirmations and corrections feed straight back into training, so the next file needs less of both.
Data value
Bounding box
--:--:-- review session opened · 8 fields · evidence-linked
Confirm or correct, value and box. Every correction is captured, versioned, and used to retrain your models.
Case study · business purpose lender
Kaji runs in production at a business purpose lender for underwriting and QC.
-70%
Outsourced analyst headcount
-4 days
Time to complete a loan
98%+
Field-level extraction accuracy
Before · manual, outsourced
With Kaji · automated, evidence-linked
“Kaji cut our reliance on outsourced analysts and gets loans through underwriting days faster.”
Illustrative figures for discussion; replace with client-verified data before external use.
Why Kaji is different
| Capability | Kaji | Generic LLMs | Legacy systems |
|---|---|---|---|
| Custom model fine-tuning | ✓ Yes | ✕ Not purpose-built | ✕ No |
| Evidence-linked extraction & validation | ✓ Yes | ✕ Not turnkey | ✕ No |
| Cross-document financial calculations | ✓ Yes | ✕ Not turnkey | ✕ No |
| Turnkey managed execution | ✓ Yes | ✕ No | ✕ No |
Governance & control
Encryption in transit and at rest, role-based access controls, and client data isolation.
Every extracted value links back to its source document.
Reviewers validate exceptions before any action or system update.
Designed to support lender audit, vendor-risk and model-risk reviews.
Data governance & observability
Pick any value in your system of record and follow its lineage: the source document, the page and exact location, the model version that extracted it, the reviewer who confirmed it, and when it was written. The link can be checked at any time and the result is logged, so an auditor can see it for themselves.
System of record · loan 202604492
Lineage · —
--:--:-- audit trace requested · 7 values on record
Nothing on the record without a source. Every link is checkable and every check is logged.
About Kaji Mindworks
Kaji Mindworks builds AI automation for the document-heavy work behind lending decisions: underwriting, QC, policy compliance and covenant monitoring. We work with business purpose, commercial and mortgage lenders, and with the capital markets firms that buy and securitize their loans.
Our team brings more than 65 years of combined experience in machine learning, lending technology and mortgage capital markets. We run Kaji as a managed service on top of your existing systems. We calibrate the models to your documents, apply your rules, and measure results against your own baseline.
鍛冶 Kaji is Japanese for smithing: shaping raw metal into something useful. We do the same with raw loan documents.
The team
Technology Development Lead
25+ years of experience in AI/Machine Learning, designing and building enterprise applications powered by proprietary AI/ML algorithms, which helped financial institutions turn complex data into accurate predictions and better-informed decisions.
Technology implementation lead
25+ years as a technical SME in software design and implementation, setting the strategy for system functionality and enhancement requirements.
Subject matter expert
25+ years in mortgage capital markets and consulting, leading teams at major financial institutions and boutique consulting engagements.
How we start
Select one workflow, underwriting spreading or QC. Baseline current time and cost.
Run Kaji on your loans. Compare cycle time, manual effort and accuracy to the baseline.
Move to production alongside your existing systems. Extend to policy & guideline compliance, including covenant monitoring.
No rip-and-replace. Measurable results against your own baseline.
Contact
Share a little about your volume, loan types and the workflow you'd like to automate. We'll follow up to set up a scoping session.