Key takeaways
- A large European bank (€800B in assets, 16M clients) cut corporate & SME underwriting turnaround from 2–6 weeks to under 7 days with an end-to-end agentic flow.
- Daily case throughput rose from under 5 to more than 35 — a 600% increase — while error rates dropped from 9–15% to under 3%.
- The solution unified financial spreading, KPI analysis, market signals and risk tagging into a single flow, with robust human-in-the-loop protocols.
- Consistency mattered as much as speed: industry-aware thresholds and standardized memos made assessments comparable across analysts.
The bank at-a-glance
The European bank was looking to increase their productivity in underwriting, as part of a larger mandate to improve operational efficiency.
- 800 billion EUR in assets
- 70 thousand employees
- 35 billion EUR in annual new loans
- 3,000 branches
- 16 million clients
Context and challenges
Today, several teams and anywhere between 2 and 6 weeks are spent on 1 underwriting process. Their internal objective was made clear from the get-go: decrease the average processing time per process to 1 week. Today's context:
- 20K - Est. loan files handled / year for corporate and SME cases
- 210 - Est. FTEs dedicated to underwriting and credit ops
- 12 - Average number of stages in the current underwriting process
- 5-8 - Teams involved in the current underwriting process
- 2-6 - Weeks, current turnaround, complex cases up to 12 weeks
How the bank leveraged FlowX.AI
FlowX.AI proposed and implemented an agentic solution while unifying the whole underwriting process. The agentic solution covers the process end-to-end, automating most of the manual work and ensuring robust human-in-the-loop protocols:
- Unified Process: Financial spreading, KPI analysis, market signals, and risk tagging in a single flow
- Real-time Insights: Stacks of AI agents deliver contextual quality insights in real time
- Faster Underwriting: Decision-ready outputs generated in minutes, cutting turnaround time significantly
- Consistent Memos: Industry-aware thresholds and standardized memos ensure comparability across analysts.
Outcomes and business impact
Deeper Contextualization: Agents link financial KPIs to the company’s domain code, business model, and seasonality, highlighting what truly matters.
Forward-Looking View: Forecasting and market pulse agents add external and future-oriented signals, shifting the analysis beyond historical numbers.
Consistent Assessments: Standardized thresholds and structured memos ensure comparability across analysts, removing subjectivity.
Risk Visibility: Red flags surface automatically, giving underwriters more confidence in decision-making.
Quantifiable results included decreasing the processing time per application from 15-30 days to under 7 days, error rates dropped from 9-15% to under 3% and throughput of cases per day increased from under 5 to more than 35.