AI-Powered Credit Pre-Screening
Smarter Risk Decisions.
Faster Loan Processing.
CreditPulse gives SME loan officers an AI co-pilot that surfaces risk signals, flags missing documents, and routes cases — before human review begins.
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Historical Cases Analyzed
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Faster Pre-Screening
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Human Oversight Maintained
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Automated Approvals Made
Process
How It Works
Three steps from submitted application to informed decision.
01
Submit Application
Loan officer enters company details, financials, and documents into the tool — under 3 minutes.
02
AI Risk Analysis
Gemini compares the application against 50+ historical SME cases and calculates a risk score with explainable rationale.
03
Officer Decision
The officer gets a clear recommendation and flagged gaps. They review, override if needed, and make the final call.
In Practice
What Loan Officers Say
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The missing-doc detection alone saves us two full email cycles per application.
Regional SME Bank, Nordics
“
Risk scores used to be gut feel. Now they are grounded in real data before I even open the file.
SME Lender, Copenhagen
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The AI rationale is specific — I can use it in supervisor notes without rewording.
SME Lender, Geneva
Questions
Frequently Asked
CreditPulse classifies risk using a Gemini-powered model fine-tuned on 50+ real SME loan cases. It provides a consistent, auditable baseline — every decision still routes through a human loan officer for final approval. Think of it as a senior analyst who never misses a detail.
CreditPulse currently runs as a standalone web tool. API integration with core banking systems (Finastra, Temenos, nCino) is on our roadmap for Phase 2. Reach out if you'd like early access to those connectors.
CreditPulse is a pre-screening assistant, not an auto-approval engine. It surfaces risk signals and missing documents before human review. Final decisions always stay with the loan officer — no black boxes, no automated rejections.
All application data is processed in-memory during the session and is never persisted beyond the review queue. We publish a full AI Use Disclosure outlining our data handling principles and compliance approach.
CreditPulse is designed to support human-in-the-loop workflows aligned with EU AI Act principles for high-risk AI systems. It does not make automated decisions and provides explainable rationale for every classification. Specific regulatory certifications are under review.
CreditPulse is currently a proof-of-concept developed as part of the AI Native Enterprise course at Geneva Business School. Commercial pricing for lender deployment will be shared when Phase 2 is complete.
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