---
title: "Replace Offshore Loan Document Review with AI | Kolena"
url: "/banking/loan-underwriting/"
description: "Stop outsourcing loan file review offshore. Kolena reads underwriting docs and KYC in minutes — onshore, cited, SOC 2 & PCI compliant, with a full audit trail."
author: "Sarah Ahmed"
updated: 2026-06-15T22:12:00.415834+00:00
---

# Underwrite a {loan file in minutes}. With a citation for {every decision factor}.

Tax returns, bank statements, UCC filings, entity docs — your analysts shouldn't be re-keying them, and you shouldn't be paying an offshore desk per idle FTE to underwrite slower. Kolena's AI ingests the file, applies your rubric, and drafts a decision memo with a citation for every factor. Onshore, audit-ready.

## Turn-time is a {competitive disadvantage} when files sit in an {offshore queue}

Every day a file waits in an offshore queue is a day a borrower waits on a decision — and per-idle-FTE billing means you pay for the wait. Kolena's AI reviews the file onshore in minutes, applies your underwriting rubric, and drafts a decision memo with a citation for every factor.

- **Cost** — No per-idle-FTE billing, no offshore wage inflation.
- **Accuracy** — Every decision factor cited to the source document; full audit trail.

## The shift is {already happening.}

AI is predominantly replacing outsourced, offshore workers — not cutting internal staff.

- **$3.3B** — Capgemini acquired WNS in July 2025 to convert a 65,000-person BPO workforce to AI-led delivery.
- **67%** — Of enterprises plan to replace human-led services with AI within three years.
- **$9.1B → $15.1B** — The document-outsourcing market, 2026→2036. This is the spend AI displaces.

## Loan file in, cited decision memo out — with AI.

AI assembles the cited memo. Your team owns the credit decision

- **Ingest** — Tax returns, bank statements, UCC filings, entity docs.
- **Apply your rubric** — Your underwriting criteria, run consistently.
- **Cross-reference & cite** — Every factor linked to the source document
- **Draft the decision memo** — Assembled, cited, ready for review.
- **Push** — Structured output into your loan system.

## See it run on a {real document}

Watch how our platform transforms document workflows.

## Frequently Asked Questions

### Which documents does it handle?

Tax returns, bank statements, UCC filings, entity docs, pay stubs — extracted and cited.

### Does AI make the credit decision?

No. AI assembles the cited decision memo; your team makes the call.

### Is it compliant and auditable?

Every factor links to the source, with a full audit trail. SOC 2 and PCI compliant; no training on your data.

### Can it use our own underwriting rubric?

Yes — it applies your rubric consistently across every file.

### Can I try it on a real file?

Yes — upload a loan package, or book a 15-minute walkthrough.