Beyond Origination-One Platform for the Entire Commercial Lending Lifecycle
SMB, SBA, CRE, C&I, construction, and specialty lending - Manage the entire loan lifecycle from origination, underwriting, credit approval, closing, onboarding, renewals and reviews in one platform.
Accelerate Loan Growth, Reduce Operational Drag
From application to close, Vikar gives lending teams the speed, credit insight, and portfolio visibility to grow without the operational burden.
Multi-Loan Origination
- Originate multiple loans within a single, unified workflow
- Gain full visibility into total relationship exposure
- Streamline complex lending scenarios without fragmentation
- Support for multi-layered commercial structures with complex ownership
Automated Financial Spreading
- Automatically spread financials from tax returns and statements
- Ingest supporting documents without manual data entry
- Accelerate underwriting with consistent, accurate outputs
Editable Credit Memo
- Prepopulate borrower, loan, collateral, and financial data
- Use standardized credit write-up templates
- Enable quick edits without rekeying or duplicating data
- Optional AI generated narratives
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Covenant Setup and Monitoring
- Automatically generate covenants from loan terms and approvals
- Eliminate spreadsheets, reminders, and manual tracking
- Continuously monitor compliance with built-in alerts
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Loan Closing/HMDA/CRA
- Automate loan closing workflows and documentation
- Streamline HMDA and CRA reporting requirements
- Reduce manual effort and improve regulatory accuracy
Loan Onboarding
- Straight through boarding to Jack Henry, FIS and Fiserv core platforms.
- No rekeying of loans in the core
- Supports configurable user defined fields
- Automated quality control and audit workflows
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Renewals and Modifications
- Automate renewals and loan modifications
- Reduce operational costs and portfolio risk
- Maintain continuity of data across the loan lifecycle
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Loan Reviews
- Financial and loan risk reviews
- Covenant tracking
- Financial reporting tracking
- Rent rolls
AI-Powered Lending Intelligence for Smarter Credit Decisions
From financial spreading to credit memo generation, AI intelligently accelerates every step of the lending process, improving accuracy, efficiency, and decision-making.
Intelligent Categorization & Extraction
Automate your financial spreading with AI-driven data extraction and analysis.
Upload Financials
AI Extracts and Normalizes
Pre-populates and Validates
Auto Calculate Loan Ratios
AI-Generated Credit Memos
Generate comprehensive credit memo drafts from structured borrower data, financial spreads, and loan parameters. AI assembles the narrative — your team reviews and refines.
Automated Loan Decisioning
AI aggregates credit bureau data, financial metrics, and custom scoring models to deliver instant, consistent loan decisions — reducing approval times from days to minutes.
Data Aggregation and Scoring
Rule-Based Decision Engine
Instant Approval or Escalation
Loan Lifecycle Management
From origination through underwriting, closing, onboarding, renewals, modifications, covenant tracking, and loan reviews — manage every stage in one connected platform.
Pipeline
Underwriting
Credit Approval
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Closing
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Onboarding
Renewals
Covenant Tracking
