9-day loan decision at a regional bank — agentic origination for small business
A regional bank was losing small business loans to fintechs because their decision cycle ran 21 days. pronix.ai deployed an agentic origination workflow with fair-lending guardrails and underwriter-in-the-loop — decisions in 9 days, 2.6x underwriter throughput and zero fair-lending findings.
Regional US bank, $48B in assets · Salesforce Financial Services Cloud · AWS Bedrock · nCino
- Client
- Regional US bank, $48B in assets
- Industry
- Financial Services
- Platform
- Salesforce Financial Services Cloud · AWS Bedrock · nCino
*Representative outcome; results vary by client, scope and platform configuration.
The challenge
The bank's small business origination was a 21-day relay across relationship managers, credit analysts, underwriters and documentation — losing 34% of qualified applicants to faster fintech competitors and unable to explain declines to fair-lending examiners.
Our approach
One agent per relay hand-off
Replaced hand-offs with bounded agents for intake, document extraction, spread analysis and covenant checks — humans owned decisions, agents owned prep.
Fair-lending guardrails
Every decision surface excluded protected-class proxies and produced a plain-language reason code aligned with ECOA and Reg B.
Underwriter cockpit
Underwriters saw the agent's proposed decision, its evidence chain and any exceptions — approve, modify or reject in one screen.
Portfolio-level backtest
Ran the workflow against 3 years of historical loans before launch — confirmed no adverse-impact drift versus prior process.
Continuous adverse-action monitoring
Weekly fair-lending report by product, geography and demographic proxy — surfaced to CRO before it surfaced to a regulator.
“We can now compete with the fintechs on speed without giving up the credit discipline that makes us a bank.”
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Read →Illustrative case study. Scenarios, metrics, quotes and client details are representative composites based on Pronix engagements and industry benchmarks unless a named client is shown with written consent. Outcomes vary by client, scope, data quality and platform configuration. Nothing on this page is a guarantee, warranty or professional advice. See our Terms of Use for the full disclaimer.
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