Herman is the AI credit analyst that turns raw dossiers into decision-ready files. Where he starts and where he stops is your call: the same components, from first documents to final recommendation.
We observe the same three bottlenecks at banks and lenders across Europe
What we see across the 20+ European lenders we work with, and what the industry measures:
ca.
80
%
of files arrive incomplete.
Most dossiers reach the analyst missing documents or data, and someone has to chase the rest.
120
min
of manual work per case.
Verification eats the hours. Dozens of documents and data points per case, checked and cross-checked by hand.
40
days
avg. time-to-cash for an EU mortgage.
Decisions wait. Cases sit in the queue longer than they took to prepare.
What do you want to fix first?
Complete files, first time
For the files that arrive incomplete, Herman collects, extracts, and verifies every document and flags what’s missing before it reaches your analyst.
Explore use case →
Decision-ready analysis.
For cases that take longer than they took to prepare, Herman applies your credit policy and hands your analyst a decision-ready recommendation with the reasoning behind it. Your team makes the decision.
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Further use cases
Built from the same components, driven by requests from European lenders:
Document verification
Individual document checks, ID checksum validation, and PDF tamper detection.
Salary verification against public registers
For a stronger fraud loop.
Pre-approval
Rule-driven system with explainable broken points per rule.
Notary deed comparison
Rental income comparison
e.g., for buy-to-let cases.
Portfolio sensitivity analysis
Re-check a portfolio against a policy change.
Have a case like these? Talk to us →
In production at European banks and lenders
Our credit application tool Creanet 2.0., developed by Oper Credits, facilitates a paperless, smooth, and workflow-driven origination process that enables us to expand our business. Furthermore, Oper Credit’s team is very responsive to our needs and is value-added.
Herman BruylandManaging Director at Creafin
Thanks to Oper's innovative software solutions, we are successfully digitizing our mortgage origination process and making it future-proof. The implementation went smoothly and quickly within just 8 weeks, thanks to the flexibility and commitment of the Oper team.
Klaus KumpfmüllerCEO at HYPO Oberösterreich
At Onesto, our mission goes beyond granting loans. We aim to ensure that families can not only buy a home, but continue to live in it affordably in the long term. 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 VermeulenCEO at Onesto
Oper’s capabilities to tailor their solution to our specific needs exceeded our expectations and were further reflected during their thorough and professional onboarding process. We are more than excited for the full roll-out to our 1000+ agents and can’t wait to get additional value out of the Oper platform.
Attila SoósDeputy CEO at Fundamenta-Lakáskassza
The new online mortgage application process significantly improved Bank Cler’s ability to distribute mortgages digitally. Compared to our previous channel, our reports show increasing volumes and a higher conversion rate.
Yannick GrandjeanDigital Banking Manager at Bank Cler
More customer stories →
Contact us
Start where it hurts most
Book a free 20-minute walkthrough, then a backtest on your document types.
