The CAM, assembled from evidence — not typed from memory.
The credit assessment memo is where a lending decision lives. Fingrid assembles it from the file itself — bureau, banking, income, obligations, verification findings — so your credit team spends its time judging, not collating.
What it does
Auto-assembly
Bureau scores, tradelines, banking analysis and verification results flow into the CAM automatically.
Income & obligations
Income computation with FOIR/DBR analysis across applicants and existing obligations.
Bureau intelligence
Parsed bureau reports — enquiries, delinquencies, exposures — presented for decisioning, not as PDFs.
Eligibility computation
Loan eligibility per policy grid computed and shown against the ask.
Deviation surfacing
Policy deviations flagged in the CAM with their approval status.
Committee-ready output
A structured, printable CAM every credit committee member reads the same way.
AI in the CAM — with receipts
Fingrid's document intelligence reads bank statements and bureau reports into structured data before assembly. Every extracted figure is traceable to its source document — AI accelerates the memo; humans own the decision.
See it on your own book.
A working demo on your products, your hierarchy and your workflows — not a slide deck.