# AI-Powered Automation for Loan File Review

Turn hours of document review into minutes. Kolena AI Agents handle the most time-consuming parts of your workflow—so your team can focus on decisions, not data entry.

SOC 2 Compliant Private & Secure High-Accuracy

## What You Can Automate

### **Appraisal Data Extraction**  
Pull key data from every appraisal—instantly.  
- Square footage, beds/baths, lot size  
- Appraised value (as-is + after repair)  
- Comparable sales and distances  
- Property characteristics  
  
Result: Clean, structured data—no manual entry, no rework.

### **Underwriting Guide Review**  
Check every loan against your credit box automatically.  
- Apply investor guidelines (100+ checks per file)  
- Flag missing documents and exceptions  
- Identify pass / fail / needs review  
  
Result: Consistent underwriting. No manual checklist reviews.

### **Loan Tape Creation & Validation**  
Build and verify your loan tape without re-keying data.  
- Extract required fields across all documents  
- Compare against existing data  
- Catch mismatches early  
  
Result: Accurate loan tapes, ready for use.

### **Portfolio Due Diligence**  
Review hundreds of loans in a fraction of the time.  
- Run full document checks across entire portfolios  
- Identify exceptions instantly  
- Replace manual or third-party review  
  
Result: Weeks of diligence in hours.

### **Investor Eligibility (Best Execution)**  
Know where every loan can be sold—immediately.  
- Run one loan against multiple investor guidelines  
- See who it qualifies with  
- Feed results into pricing decisions  
  
Result: Faster execution. Better outcomes.

## How It Works

From document upload to structured output in three simple steps

1. ### Send Documents  
Upload files, email them, or connect your systems.

2. ### AI Agents Do the Work  
Reads documents, extracts data, applies your rules, and flags issues.

3. ### Get Results  
Structured data for your systems, clear reports for your team, with citations.

## Built for Real Lending Workflows

- Add documents over time (no need for complete files upfront)  
- Works across inconsistent, messy formats  
- Human review first, then full automation  
- Connects to your existing systems

## Security & Compliance

Your data, your insights — never black-boxed. Kolena is built to support enterprise security and compliance needs: reasoning logs, audit trails, encryption, and governance architecture.

- PCI, SOC 2, and HIPAA Compliant  
- No training on customer data  
- Complete audit trail and traceability  
- Encrypted in transit and at rest  
- Enterprise-grade security: RBAC, ZDR, rigorous access control

## Ready to automate your lending workflows with AI?

We'd love to show you a demo of Kolena AI agents on your documents with your requirements and policies.