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Overview

Credit & Loan Application Intake is a workflow that processes loan applications by extracting key data from income statements, tax returns, and employment proof across varied formats; computing debt-to-income (DTI); and recommending credit decisions for review. It supports a first-pass underwriting review — data extraction, validation, DTI calculation, and eligibility/approval recommendations — in one streamlined workflow. What you get: a structured table of extracted applicant and loan fields you can review, edit, and export.
To set up the workflow (creating sessions, uploading documents, running a workflow, and exporting), see Setting Up a Workflow for a comprehensive guide. This page focuses on what’s specific to Credit & Loan Application Intake.

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When to use Credit & Loan Application Intake

Use this workflow when you need a consistent first-pass review of loan applications, including:
  • Extracting applicant identity and employment details from mixed document formats
  • Consolidating income evidence across payslips, bank statements, and tax returns
  • Computing debt-to-income (DTI) from declared obligations and verified income
  • Producing a clear eligibility assessment and approval recommendation for underwriting review

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Step-by-step usage

1

Open the workflow

Navigate to Workflows > Template gallery and select Credit & Loan Application Intake.
2

Upload documents

Upload the supporting documents (PDF recommended; other formats supported depending on your setup).
3

Include all relevant documents

Include all relevant documents (e.g., income statements/payslips, tax returns, employment letters, bank statements, IDs).
4

Run extraction

Click Run to begin extraction and scoring.
5

Review extracted fields

Review extracted fields and edit anything that is incorrect (especially income and debt figures).
6

Export

Export results (CSV or Excel) for downstream processing and reporting.

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Inputs

  • Required: access to alk.wamiri.com
  • Required: stable internet connection
  • Required documents: income proof, tax returns, and employment proof (as available)
  • Optional: bank statements, IDs, loan offer/application forms, supporting declarations

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What’s specific to Credit & Loan Application Intake

  1. DTI depends on consistent units. Ensure income and debt obligations are expressed on the same basis (typically monthly). If a document provides annual values, convert before validating the computed DTI.
  2. Validate the source of truth. When values conflict across documents (e.g., self-declared income vs. tax return), prioritize verified evidence and note discrepancies in the eligibility assessment.
  3. Recommendation is advisory. The approval recommendation should be treated as a decision support output — underwriting teams should confirm policy rules, thresholds, and exceptions.

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Standard fields (default columns)

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Customising loan intake columns

You can tailor columns to match your underwriting checklist.
  • Add columns for credit score / bureau findings, loan tenor, interest rate, repayment method, collateral/guarantor, affordability buffers, existing lender exposures, and policy exceptions.
  • Rename columns to be explicit (for example, “Monthly income (verified)” vs “Income”).
  • Keep column names clear and unambiguous to improve extraction and calculation quality.

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Important notes

  • Always validate critical numbers (income, debt obligations, requested amount) against source documents.
  • If a field is consistently wrong, simplify the column name or add a short instruction to the column prompt.
  • Use consistent units (monthly vs annual) to avoid incorrect DTI outputs.

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Need help?

If you run into issues, contact the Wamiri support team at support@wamiri.com. Include:
  • What you were trying to do
  • What happened instead
  • Any error messages
  • Steps to reproduce
  • Screenshots or recordings (if available)