Loan origination

Use Case: Loan origination is the end-to-end process a financial institution follows to evaluate, approve, and fund a borrower’s loan application. It typically involves the following key steps:

• Application intake

  The borrower submits personal, financial, and loan-specific information via a digital or in-person channel.

• Document collection and verification

  The lender collects required documents (e.g., ID, proof of income, tax returns), and verifies their authenticity.

• Credit evaluation

  The borrower’s credit report is pulled from credit bureaus. Key metrics like credit score, income-to-debt ratio, and repayment history are analyzed to assess risk.

• Loan product matching

  The applicant is matched to suitable loan products based on their profile and needs (e.g., fixed vs. variable rate, term length, government-backed loans).

• Underwriting

  Automated or manual underwriting applies the institution’s risk models and lending policies to decide if the borrower qualifies.

• Compliance and fraud checks

  The process includes identity verification, fraud detection, and checks for regulatory compliance (e.g., KYC/AML).

• Approval or rejection

  The borrower receives a decision. If approved, terms are provided, and closing documents are prepared.

• Loan closing and disbursement

  Upon acceptance, the borrower signs final documents, and funds are disbursed.

How Maestro adds value

UiPath Maestro™ is a strategic differentiator in loan origination because it empowers financial institutions to:

• • Automate complex decision logic at scale
  • Quickly adapt to business and regulatory changes
  • Deliver faster, more consistent loan outcomes
  • Maintain transparency and auditability throughout the process

In short, Maestro transforms rule-heavy, slow-moving loan origination into a fast, intelligent, and agile process — setting lenders apart in a competitive market.