Underwriting precision,
at machine speed.
A deep dive into how Cresem processes, verifies, and analyzes financial documents to give credit teams superhuman analytical abilities.
Document Forensics.
Fraudulent financial documents are becoming increasingly sophisticated. Cresem's AI goes beyond OCR, analyzing file metadata, font subsetting anomalies, and hidden layer manipulations to detect tampered bank statements and tax returns instantly.
- Detects PDF editing software traces (Illustrator, Photoshop, Acrobat).
- Identifies mismatched typography and copy-paste manipulation.
- Flags metadata anomalies in creation vs. modification timestamps.
GST & Bank Cross-Validation.
Never rely on isolated data points again. The system automatically triangulates bank statement inflows against reported GST returns, instantly flagging discrepancies in reported turnover.
- Automated reconciliation of Bank Credits vs GSTR-3B Outward Supplies.
- Detects circular transactions and intra-company transfers.
- Highlights seasonal revenue manipulation.
Automated CAM Generation.
Turn a pile of raw, unstructured PDFs into a structured, human-readable Credit Appraisal Memo (CAM) in under two minutes. Pre-calculated financial ratios, cash flow modeling, and risk summaries ready for the credit committee.
- Instant calculation of DSCR, Current Ratios, and leverage metrics.
- Standardized formatting across all borrower profiles.
- Directly exportable to your internal LOS or PDF formats.