When a loan drops out of straight-through processing, Zenexis investigates it, gathers the missing evidence, and clears the condition — or escalates to an underwriter with a complete case file. It works inside your LOS, no rip-and-replace.
Illustrative targets — actual outcomes depend on your fallout mix and policy.
An illustrative example of one stalled loan moving from fallout to a decision.
A loan drops out of straight-through processing — a missing paystub, an income-to-stated mismatch, an unresolved condition, a policy edge case. Today it lands in a queue and ages.
An agent reads the file across your LOS, credit pulls, and document store — figures out exactly why it fell out, and what would clear it. No screen-scraping; it works through your systems and data.
It retrieves or requests the missing document, re-runs the check, reconciles the mismatch against your credit policy, and assembles everything into one place.
Within policy, it clears the condition and moves the file forward. When judgment is required, it escalates to an underwriter with a complete, cited case file — not a raw alert.
Clear conditions and fallout faster across origination and processing. Zenexis works inside Encompass and Blend to resolve the files that stall before the clear-to-close.
API-first stacks welcome. Resolve stips, decisioning exceptions, and adverse-action edge cases without adding heads as volume scales.
Resolve credit-memo gaps and spreading exceptions across nCino and Salesforce FSC, with a full evidence trail for the credit committee.
No. Zenexis is a resolution layer that plugs into Encompass, Blend, nCino, and similar systems. You keep your stack; we work the files it kicks out.
No. RPA replays recorded clicks and breaks when a screen changes. Zenexis agents reason about why a file fell out and how to clear it, acting through APIs and data — and adapting to cases you didn’t script.
It escalates to an underwriter with a complete, cited case file — the reason it fell out, the evidence gathered, and the relevant policy reference — so your team decides instead of re-investigating.
Every action and decision is logged against your credit policy and authority limits, with a human on every consequential call. The trail is built to be examinable by risk and defensible in audit.
We lead with mortgage origination, and the same resolution layer supports consumer/fintech and commercial lending. If you originate loans and files fall out, it applies.