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New! Agentic Banking Solution

for Lending Excellence

Catch borrower risk before it's a loss.

Find opportunities before they go elsewhere.

Lending Excellence brings loan, deposit, payment, and household signals into one view of each borrower relationship. It shows your team what needs attention and why, then routes a recommended, policy-aligned next step to the right person. Your people make every decision.
Let's Talk About Your Lending Operation

Lending Challenges Facing Banks and Credit Unions Today

Why Lending Has Become Banking’s Biggest Problem.

Lending depends on understanding the full borrower relationship and responding at the right time. As institutions grow, loan, deposit, payment, and household information spreads across more systems, while consumer and commercial lending can operate in separate environments. The signs that a borrower may be struggling or ready for another loan are often already in the institution’s data. They’re hard to connect across every relationship when teams have limited time to monitor the portfolio.

That can leave risk unnoticed until a payment is missed, and opportunities untouched until a borrower asks or takes business elsewhere. When lending, collections, and deposit teams see only part of the relationship, follow-up can vary from one person to the next. That makes it harder to provide the personal, consistent attention community institutions want to give each borrower.

How the Lending Excellence Solutions
Helps FIs Act Upon What Matters

Agentic Banking Solves Legacy Challenges

Our Unique Agentic Banking Solution

Agentic Banking Solutions bring three capabilities together: the systems and data Kinective connects, AI that reasons across that information, and workflows built around a specific banking outcome. On Cortive, connected data gives the agentic layer context to surface what needs attention and recommend a next step, while purpose-built workflows bring that guidance to the people responsible for acting. Staff retain control of decisions. Kinective pairs the depth of its platform with purposeful AI focused on longstanding banking challenges, bringing signals hidden across siloed data and disconnected systems into view so institutions can recognize what needs attention.

See the Whole Borrower Relationship

When teams can see signals across consumer and commercial lending, they can look beyond one loan or account and better understand what may need attention across the relationship.

Prioritize and Route the Work

Risks and opportunities are ranked by value, with a plain-language reason and recommended next step. That gives lenders and collectors clearer priorities and helps each item reach the right owner.

Move Modifications Forward Within your Policy

When a modification may be appropriate, Loan Portfolio Health evaluates options allowed by your institution’s policy and moves the case through documents and signing in a tracked workflow. Staff approve every offer before it reaches a borrower, and decisions and outcomes are recorded for audit and reporting.

Loan Portfolio Health doesn’t make credit decisions or replace your core, LOS, or collections system. It connects to those systems, while your team decides every action

What Financial Institutions Are Saying

Andrew Britton, Hughes Federal Credit Union
“We are funding loans within days if not hours because of Kinective’s eSignature technology. Loans are booked and worked into production almost instantly, not left sitting in the pipeline.”

Andrew Britton
VP Lending, Hughes Federal Credit Union

Since implementing Kinective’s Sign and SignPlus to digitize their lending process, Hughes Federal Credit Union has cut average loan processing time from several weeks down to just 120 minutes — a 98% reduction — while increasing indirect lending volume by 27% and saving nearly $107,000 annually by eliminating express mail and manual document handling. Read the full Hughes FCU case study.

Mortgage lenders using Kinective’s end-to-end digital document journey have reduced origination costs significantly — moving from bottom-quartile spend toward the top-performer benchmark of $6,900 per loan.

Lending Excellence FAQs —
Answers to the Questions FIs Ask Most

Does Lending Excellence support consumer and commercial lending?

Yes. Loan Portfolio Health brings signals together across consumer and commercial lending, helping teams see more of each borrower relationship and identify risk and opportunity across the portfolio.

What information does Loan Portfolio Health use?

It brings together loan, deposit, payment, engagement, and household signals from the systems your institution connects. The information available depends on your data and connections.

How does it identify borrowers who may need attention?
The solution monitors signals against thresholds your institution sets. This helps surface borrowers who may be at risk or ready for more, so your team can review them earlier.
How does it help teams decide what to prioritize?
Risks and opportunities are ranked by value, with a plain-language reason and recommended playbook. Each item is routed to the right owner, giving lenders and collectors more context for their follow-up.
Can Loan Portfolio Health help with loan modifications?
Yes. When a modification may be appropriate, the workflow evaluates options allowed by your institution’s policy and moves the case through documents and signing. Staff approve every offer before it reaches a borrower, and decisions and outcomes are recorded for audit and reporting.
Does Loan Portfolio Health make credit decisions?
No. It surfaces signals and recommends next steps, but it does not make credit decisions. Your people decide how to act, and staff approve offers and modifications before they reach borrowers.
Does it replace our core, loan origination, or collections system?
No. Loan Portfolio Health connects with these systems and works alongside them. The data available depends on your institution’s systems and connections.

Ready to Close the Gap Between Your Lending Operations and Your Top-Performer Potential?

See why 4,300+ financial institutions trust Kinective to help them lend smarter, close faster, and serve borrowers better.

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Download the Banker's Guide to Automated Loan Boarding