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.
Underwriter CoPilot for Lending Teams
Maximize no-touch loans, with the AI-native underwriting platform for lenders.
Trusted by industry leaders to optimize mission-critical business processes
- SOC 2 Type II
- ISO 27001
- HIPAA
The Platform
Deploy AI your lending team will actually adopt
Document Classification & Extraction
Automatically classify 1,000+ document types in messy borrower packages from any source. Extract data, validate across documents and systems to catch inconsistencies, and deliver into an LOS eFolder or any destination.
Intelligent Data Validation
Set confidence thresholds for classification, extraction, and fraud detection. Exceptions route to the right person with full context of each page and field for review, all without needing to leave the LOS.
Tamper Detection & Fraud Prevention
Flag suspicious documents without adding friction. Detect font changes, date mismatches, and income figures that don't reconcile.
Loan Decision Recommendation Engine
Generate deal screen memos in seconds based on borrower financials. Review, refine, and send to underwriting.
Agentic OS
Empower both IT teams and non-technical users to build AI agents safely, with built-in guardrails and observability.
Purpose-built
Benefit from AI purpose-built for banks, credit unions, and IMBs
Reduce manual underwriting time by
90%
Automate indexing, extraction, and validation so your team can focus on approvals.
Time spent on indexing, extraction & validation
Manual process
100%
With Kizen
10%
90% less time
-
Process 5× more volume
Handle peak-season demand with the same team.
Manual process
1,000
docs/monthWith Kizen
5,000
docs/month -
Cut document resubmissions by 50%
Get classification, extraction, and routing right the first time.
50%
Fewer submissions
Before
4
Submissions
After
2
Submissions
Plugging into your current stack
Loan document intake
Ingest documents from any source with automated, event driven processing. Process unstructured data, combine loan packages with different borrowers, email with loan packages, SFTP, your LOS, or whatever fits your workflows.
Rules engine
Easily adjust lending logic to fit your specific guidelines, without waiting on IT support. Customize business rules for each 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 a few across your organization. Kizen is composable and scales on your own timeline.
By the numbers
Your team maintains control with AI-enabled speed and scale
80%
Reduction in manual document work
5x
of peak volume processed without additional staff
15%
Increase pull
through rate
100%
of time freed up for underwriters for high-value risk assessment
“We processed 5x volume during the refi boom without hiring a single temp. Kizen's AI handled everything.”
Frequently Asked Questions
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?
- 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.
Ready to power what’s possible?
Learn how your team can save time and money when you automate, innovate, and grow with Kizen.