--- title: Herman AI by Oper | The AI credit analyst for mortgage lending description: "Herman, the AI credit analyst: verifies documents, applies your credit policy and delivers decision-readycase inside your existing LOS. Your team decides." image: https://www.opercredits.com/hubfs/oper-og-default-en.png --- [Skip to the main content.](https://www.opercredits.com/herman-ai#main-content) [From 3 Days to 3 Minutes: How banks integrate AI into existing credit processes → Download new whitepaper](https://www.opercredits.com/whitepaper-from-3-days-to-3-minutes-ai-in-credit-processes?hsLang=en) [![Oper Credits logo blue](https://www.opercredits.com/hs-fs/hubfs/20260714_Oper%20Credits%20logo%20blue%20transparent.png?width=588&height=164&name=20260714_Oper%20Credits%20logo%20blue%20transparent.png "Oper Credits logo blue")](https://opercredits.com?hsLang=en) [![Oper Credits logo blue](https://www.opercredits.com/hs-fs/hubfs/20260714_Oper%20Credits%20logo%20blue%20transparent.png?width=588&height=164&name=20260714_Oper%20Credits%20logo%20blue%20transparent.png "Oper Credits logo blue")](https://opercredits.com?hsLang=en) - Products - [Herman](https://www.opercredits.com/herman-ai) - [Origination Platform](https://www.opercredits.com/origination-platform) - [Use Cases](https://www.opercredits.com/use-cases) - [Customers](https://www.opercredits.com/case-studies) - [Compliance](https://www.opercredits.com/compliance) - Resources - [Blog](https://www.opercredits.com/blog) - [Reports](https://www.opercredits.com/reports) - [Webinars](https://www.opercredits.com/webinars) - Company - [About](https://www.opercredits.com/about-us) - [Careers](https://www.opercredits.com/careers) - [Partners](https://www.opercredits.com/partners) - [Contact](https://www.opercredits.com/contact) - [English](https://www.opercredits.com/herman-ai) - [Deutsch](https://www.opercredits.com/de/herman-ai) [Book a demo](https://www.opercredits.com/contact?hsLang=en) Toggle Menu - [English](https://www.opercredits.com/herman-ai) - [Deutsch](https://www.opercredits.com/de/herman-ai) Toggle Menu [Book a demo](https://www.opercredits.com/contact?hsLang=en) - Products - [Herman](https://www.opercredits.com/herman-ai) - [Origination Platform](https://www.opercredits.com/origination-platform) - [Use Cases](https://www.opercredits.com/use-cases) - [Customers](https://www.opercredits.com/case-studies) - [Compliance](https://www.opercredits.com/compliance) - Resources - [Blog](https://www.opercredits.com/blog) - [Reports](https://www.opercredits.com/reports) - [Webinars](https://www.opercredits.com/webinars) - Company - [About](https://www.opercredits.com/about-us) - [Careers](https://www.opercredits.com/careers) - [Partners](https://www.opercredits.com/partners) - [Contact](https://www.opercredits.com/contact) # Meet Herman, the AI credit analyst for mortgage lending Herman reads the documents, verifies every data point, applies your credit policy, and hands your analyst a decision-ready case. The decision stays with your team. [Book a demo](https://www.opercredits.com/contact?hsLang=en) [Explore use cases](https://www.opercredits.com/use-cases?hsLang=en) ![20260814\_oper-home-page-hero-image-en](https://www.opercredits.com/hubfs/20260814_oper-home-page-hero-image-en.svg) ### How Herman works Every step is logged. Nothing is decided without your team. #### 1. Collect & Classify Intake from the portal, email, or API. Every document in the dossier is split, labeled, and filed. #### 2. Extract & Verify Fields are extracted and validated; the application is cross-checked against supporting documents. Missing pieces are flagged at intake and go straight back to the broker. #### 3. Apply Policy & Assess Risk Your credit policy, applied the same way to every file. Full or simplified check sets, depending on the use case. #### 4. Decision-Ready Output A structured case report with a recommendation. Every conclusion links to its evidence and its policy reference. ### What lands on your analyst’s desk A complete and verified dataset, policy results with reasoning, a structured recommendation, and the audit trail behind every step. ![oper-a8-case-report-v1](https://www.opercredits.com/hs-fs/hubfs/oper-a8-case-report-v1.png?width=2000&name=oper-a8-case-report-v1.png) ### Modernize without replacing Herman works on top of your loan origination system and document management, not instead of them. REST API and SDK, event streams, no core migration. ![oper-a4-integration-v1](https://www.opercredits.com/hs-fs/hubfs/oper-a4-integration-v1.png?width=2000&name=oper-a4-integration-v1.png) A plug-in solution, ready to use: all the ingredients to build the AI credit analyst that fits your systems, whatever your IT setup. In production within months, not years. New use cases in weeks after that. #### API #### API REST and event streams: the cleanest integration and the cleanest audit trail. #### Email and Microsoft Teams #### Email and Microsoft Teams Herman reads the inbox or chat, processes the file, and returns structured output. #### Computer Use #### Computer Use No API? Herman operates your existing systems the way a human would. > “By integrating AI into our document analysis process, we free up valuable time for our experts to focus on each applicant’s specific situation. Herman supports our team in handling administrative complexity, so we can invest more attention in responsible lending and in connecting borrowers to renovation advice through our One-Stop Shop model.” > > Hans Vermeulen, CEO, Onesto   ### Glass box, not black box You define the rules and own the audit trail. The questions your risk team will ask, answered: ### Where does our data live? In one storage boundary: the Briefcase, inside your tenancy. Documents, extracted data, and outputs live in a single isolated store, never used for training. You define retention; a temporary mode deletes everything after each run. ### Is Herman aligned with the EU AI Act? Herman is designed for the EU AI Act's assistive framework, with human-in-the-loop oversight by design. Your team makes every decision. ### Can we audit Herman's recommendations? Every recommendation is explainable, linked to its evidence and policy reference. Every step is logged. ### Does Herman score our customers? No. Herman does not do credit scoring. He applies your written credit policy the same way to every file, not an opaque score on borrower characteristics. ### Is Oper certified? ISO 27001-certified, DORA-ready, GDPR by design: a certified security program with the contractual framework regulated lenders need: audit rights, an exit plan, and incident reporting. ### Where does Herman run? In European cloud regions, Frankfurt and Switzerland by default, or scoped for deployment in your own environment. ##### [How we clear bank security reviews →](https://www.opercredits.com/compliance?hsLang=en) ### How you start Building an AI credit analyst in-house takes years and a seven-figure budget. Herman comes pre-maintained by Oper and compliant by design. ###### Phase 1 #### See it on your cases You send us historical cases; we backtest Herman on your document types and show you the results. ###### Phase 2 #### Your analysts start working with Herman A limited set of live cases in your environment; integration and data-protection questions are answered in practice. ###### Phase 3 #### Full rollout Everything is processed within Herman, live inside your existing systems. ###### Contact us ## See Herman work a real case Book a free 20-minute walkthrough, followed by a backtest on your own document types. [Book a demo](https://www.opercredits.com/contact?hsLang=en) [![big\_logotype-1](https://www.opercredits.com/hubfs/big_logotype-1.png)](https://www.opercredits.com/?hsLang=en) [Linkedin](https://www.linkedin.com/company/opercredits/)[YouTube](https://www.youtube.com/@OperCredits) Products Products - [Herman](https://www.opercredits.com/herman-ai) - [Use Cases](https://www.opercredits.com/use-cases) - [Customers](https://www.opercredits.com/case-studies) - [Compliance](https://www.opercredits.com/compliance) - [Origination Platform](https://www.opercredits.com/origination-platform) Resources Resources - [Blog](https://www.opercredits.com/blog) - [Reports](https://www.opercredits.com/reports) - [Webinar](https://www.opercredits.com/webinars) Company Company - [About](https://www.opercredits.com/about-us) - [Careers](https://www.opercredits.com/careers) - [Partners](https://www.opercredits.com/partners) - [Contact](https://www.opercredits.com/contact) - [Privacy Policy](https://www.opercredits.com/privacy-policy) - [Cookie Policy](https://www.opercredits.com/cookie-policy) - [Terms of Use](https://www.opercredits.com/terms-of-use) - [Legal Notice](https://www.opercredits.com/legal-notice) - [Data Processors](https://www.opercredits.com/data-processors) - [Reporting a Security Issue](https://www.opercredits.com/reporting-a-security-issue) © 2026 Oper Credits ```json { "@context" : "https://schema.org", "@id" : "https://www.opercredits.com/#organization", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "BE", "addressLocality" : "Antwerp", "postalCode" : "2000", "streetAddress" : "Lange Gasthuisstraat 29" }, "description" : "Oper Credits builds Herman, the AI credit analyst for mortgage lending at regulated European banks and lenders.", "founder" : [ { "@type" : "Person", "name" : "Geert Van Kerckhoven", "sameAs" : "https://www.linkedin.com/in/geertvankerckhoven" }, { "@type" : "Person", "name" : "Wouter Lachat" } ], "foundingDate" : "2018", "legalName" : "Oper Credits BV", "logo" : "https://www.opercredits.com/hubfs/20260714_Oper%20Credits%20logo%20blue%20transparent.png", "name" : "Oper Credits", "sameAs" : [ "https://www.linkedin.com/company/opercredits/", "https://www.youtube.com/@OperCredits", "https://www.crunchbase.com/organization/oper-781f" ], "url" : "https://www.opercredits.com", "vatID" : "BE0719676454" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://www.opercredits.com/herman-ai#software", "@type" : "SoftwareApplication", "alternateName" : "Herman AI", "applicationCategory" : "BusinessApplication", "description" : "Herman is the AI credit analyst for mortgage lending: he reads dossiers, verifies every data point, applies the lender's credit policy and prepares decision-ready cases. The decision stays with the lender's team.", "name" : "Herman", "operatingSystem" : "Web-based", "publisher" : { "@id" : "https://www.opercredits.com/#organization" }, "url" : "https://www.opercredits.com/herman-ai" } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "In one storage boundary: the Briefcase, inside your tenancy. Documents, extracted data, and outputs live in a single isolated store, never used for training. You define retention; a temporary mode deletes everything after each run." }, "name" : "Where does our data live?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Herman is designed for the EU AI Act's assistive framework, with human-in-the-loop oversight by design. Your team makes every decision." }, "name" : "Is Herman aligned with the EU AI Act?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Every recommendation is explainable, linked to its evidence and policy reference. Every step is logged." }, "name" : "Can we audit Herman's recommendations?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "No. Herman does not do credit scoring. He applies your written credit policy the same way to every file, not an opaque score on borrower characteristics." }, "name" : "Does Herman score our customers?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "ISO 27001-certified, DORA-ready, GDPR by design: a certified security program with the contractual framework regulated lenders need: audit rights, an exit plan, and incident reporting." }, "name" : "Is Oper certified?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "In European cloud regions, Frankfurt and Switzerland by default, or scoped for deployment in your own environment." }, "name" : "Where does Herman run?" } ] } ```