Underwriting Workflow

Built specifically for DSAs and loan consultants. Handle complex financial cases entirely on your desktop, from first file to final credit note.

1. Local Setup

No Cloud Database

Create a case folder on your local drive. SanctionDesk indexes your files locally. When you analyze a borrower's financials, no sensitive underwriting data is uploaded to our servers.

  • Runs natively on Windows and macOS
  • Instant file loading (no upload wait times)
  • Complete privacy compliance by default
Drop Local Case Folder
No upload queue. No cloud processing.
2. Analysis Engine

Deep Financial Parsing

Drop in bank statements, GST reports, ITR documents, and bureau files. The local analysis engine categorizes transactions, normalizes income streams, and highlights anomalies without needing an internet connection.

Bank Statement Parser Engine
HDFC_Current_Stmt.pdf Parsed 1,420 rows
GSTR3B_March.json Reconciled
Equifax_Raw.pdf Extracted 4 Loans
3. Final Output

Eligibility & Credit Note

Based on the consolidated financial view, instantly generate a comprehensive Credit Appraisal Memo (CAM) and calculate loan eligibility using customizable ratios.

Request Sample CAM

Computed Metrics

Debt Service Coverage (DSCR) 1.85
Fixed Obligation (FOIR) 42%
Est. Business Turnover ₹ 4.2 Cr
✓ Case Ready for Bank Submission