Agentic Commercial Loans Origination Workbench

This solution is designed to modernize how banks originate loans by automating traditionally manual tasks, shortening cycle times, and improving compliance and customer experience. With pre-built solution components available through Capgemini’s Orchestrate AI Agents library, organizations can accelerate implementation and quickly realize value.

Business Context

Commercial loan origination is inherently complex and resource-intensive. The process frequently operates in a slow, manual, and fragmented manner, with loan closures taking between 5 and 60 days. Legacy systems, siloed workflows, and reliance on paper documentation contribute to higher operational costs and increased risk, resulting in challenges for both banking professionals and clients. Key challenges include:

• Long and unpredictable cycle times
• Manual, complex documentation processes
• Non-standardized, fragmented workflows
• High regulatory and compliance overhead

Capgemini’s solution is designed to address these issues by introducing intelligence and automation across every stage of the loan lifecycle, from initial lead capture to fund disbursement.

Solution Overview

Capgemini’s approach delivers a comprehensive re-imagining of commercial loan origination, powered by Gen AI and Agentic AI on Microsoft Azure. Intelligent agents and generative AI running on Microsoft Azure are strategically integrated within the workbench to automate manual work, streamline workflows, and enhance human decision-making. The solution covers all phases of the process, including:

• Lead Generation & Pre-Qualification
• Application & Data Capture
• Underwriting & Credit Decisioning
• Documentation & Legal
• Closing & Disbursement

Each phase benefits from targeted Agentic AI capabilities, ensuring an optimized and efficient workflow. By leveraging Microsoft’s AI Business Solutions stack, the solution offers automated pre-qualification, intelligent data capture, conversational AI assistant, agent-orchestrated workflow, AI-enhanced underwriting, generative document preparation, and automated closing and compliance all on Microsoft Azure.

Key Business Outcomes

• Increase loan conversion rates to drive lending growth
• Reduce end-to-end cycle times for faster decisions and disbursements
• Minimize operational risk by automating documentation, improving data quality, and eliminating manual errors
• Strengthen compliance and audit readiness through embedded controls and explainability