Case Studies

Manual Review Was Slowing Down Secondary Market Turnarounds

A national due diligence firm supporting RMBS issuances and secondary market acquisitions was responsible for reviewing large batches of complex loan files. These files came in mixed formats such as PDFs, scanned images, and handwritten pages, and included a wide range of documents like leases, borrower forms, and KYC paperwork.

Manually sorting and reviewing each file was slow, labor-intensive, and prone to error. The review team needed a faster way to standardize and process documents using document automation software that could deliver results efficiently.

The Challenge

The firm encountered significant variation in every batch of loan files. Some followed standard stacking orders, while others included unstructured content, missing data, or non-standard document types. This made it difficult to maintain consistency and meet deadlines for securitization or secondary market review.

Traditional OCR tools lacked flexibility, and generic AI document processing software could not perform accurate field-level data extraction across structured and unstructured content. The firm needed an Intelligent Document Processing (IDP) solution that could adapt to real-world documents and plug into their review workflows.

The AiCR Solution

AiCR was deployed to support fast, accurate due diligence reviews:

• Extracted data from loan tapes, leases, and borrower documents using template-based and semi-template recognition
• Routed unstructured content to AiCR’s LLM-based document pipeline for deeper processing
• Handled multiple loan QC automation workflows in a clean, reviewer-friendly interface
• Delivered audit-ready output into the firm’s internal QA and exception-handling system via API

Example:

250 loans per project

Annual estimate:

3,000 to 30,000 loans

Results and Impact

Thousands of loan files reviewed using Document AI

Non-standard documents like leases and KYC forms processed without bottlenecks

Faster turnarounds for RMBS and secondary market reviews

Why It Matters

For due diligence teams, every delay or error in loan files review creates risk in securitizations and secondary market trades. AiCR replaces slow, manual review with intelligent automation that handles both standard loan files and messy, non-standard documents. The result is faster turnaround, fewer exceptions, and confidence that every loan is processed accurately.