// AI BANK STATEMENT ANALYSIS
AI bank statement analysis that writes the credit memo for you.
CredBrick reads a 12-month bank statement analysis and produces what a credit manager would: key financials, red flags, FOIR at multiple thresholds, a risk band and a suggested sanction amount — in the same screen where your team approves the loan.
Why manual statement review slows lending down
For salaried and short-term loans, the bank statement is the most important document in the file — and the most time-consuming to read. Credit managers scan months of transactions to find salary credits, existing EMIs and bounces, then calculate FOIR by hand. CredBrick does that first pass automatically so reviewers start from a structured summary, not a PDF.
How it works
- 01
Pull the bank statement analysis
Fetch a bank statement analysis (BSA) report for the applicant through CredBrick's integrated BSA providers.
- 02
AI builds the credit memo
The analysis summarises inflows and outflows, finds salary-like credits and EMIs, flags risks and calculates FOIR.
- 03
Decide with the numbers in front of you
The credit manager sees a risk band and a suggested sanction amount, capped at the requested loan, next to the approval form.
What's included
Key financials
Average monthly credits, debits and net surplus, salary-like inflows and existing EMI outgo.
Bounce & red-flag detection
High bounce frequency, inconsistent income, heavy existing obligations and low net retention are flagged.
FOIR at 35%, 40%, 45% and 50%
Total current obligations and the maximum additional EMI the applicant can carry at each threshold.
Explainable risk score
Positive factors (salary regularity, consistency, employer) and negative factors (obligations, card behaviour) combine into Low, Medium or High risk.
Suggested sanction amount
A recommended amount that never exceeds what the applicant asked for.
Pluggable AI layer
The AI provider sits behind a common interface and can be switched or disabled per lender.
Frequently asked questions
What is bank statement analysis in lending?
Bank statement analysis (BSA) extracts income, expenses, existing loan repayments and bounces from an applicant's bank statement so a lender can judge repayment capacity.
How does CredBrick calculate FOIR?
CredBrick uses average monthly income from salary-like inflows as the denominator and existing EMIs as obligations, then shows the maximum additional EMI allowed at 35%, 40%, 45% and 50% FOIR.
Does the AI make the final credit decision?
No. The analysis gives credit managers a structured summary, a risk band and a suggested amount; your team makes the final decision.
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