The problem
Origination pipeline & CRM
Every enquiry moves through a defined pipeline with tasks, notes, document checklists and interaction history, so nothing sits idle and each file's status is visible at a glance.
Case study
An Australian reverse mortgage lender
A specialist lender providing reverse mortgages to older Australians. We designed and built a single end-to-end system that runs the business from origination through to treasury — first enquiry, AI-assisted assessment, approval, settlement, daily loan servicing, portfolio intelligence and warehouse funder compliance reporting — and we continue to operate and improve it.
Client name withheld at their request. Screens shown are representative and contain no customer data.
The problem
A regulated lending business with no system built for it.
Reverse mortgage lending is document-heavy, long-lived and tightly regulated. Off-the-shelf systems either did not handle the product or forced the business to change how it lends.
- Enquiries, applications and approvals were tracked across spreadsheets, inboxes and separate tools.
- Compliance evidence and signed documents were scattered and slow to assemble.
- Interest accrual, drawdowns and payments needed daily accuracy but were handled manually.
- Brokers had no way to submit deals, see progress or check commission without asking.
- Customers had no visibility of their application or their loan balance over time.
- Warehouse funders required accurate, timely compliance reporting that was assembled by hand.
- Underwriters spent time on routine data gathering instead of judgement-led decisions.
- Leadership could not see live portfolio position, emerging risk or pipeline bottlenecks without building reports.
The solution
One lending platform for staff, brokers and customers.
We mapped the lending process first, then built a single system around it with separate, role-appropriate experiences and automated the work that should never be manual.
- A pipeline and CRM covering enquiry, application, assessment, approval and settlement.
- AI-assisted origination: document classification, data extraction and decision support for underwriters.
- Structured document requests, uploads, signing and checklists tied to each loan.
- Automated daily interest accrual, transaction processing and reconciliation.
- Broker accreditation, deal submission, commission and trail statements.
- A customer portal for progress, documents, statements and balance projections.
- Portfolio intelligence: live risk metrics, concentration tracking, LVR trends and predictive alerts.
- Treasury and warehouse funder compliance: portfolio limits monitoring, concentration reporting and automated funder reports.
- Role-based access and an audit trail across every stage of the loan.
What we built
One system, from origination through to treasury.
The platform carries the entire loan lifecycle — origination, servicing and funding — replacing manual coordination with defined process, AI-assisted decisions, automated daily work and clear visibility for everyone involved.
AI-assisted origination
Documents are classified, key data is extracted and each application is pre-summarised for underwriters, so judgement is applied faster and routine review work is reduced.
Customer portal
Borrowers track their application, upload and sign documents, update personal and banking details, view transactions and see an illustrative projection of their loan balance over time.
Broker portal & commission engine
Accredited brokers apply, are approved, submit and track deals, and see their own commission and trail position. Configurable upfront, drawn and trail commission structures are calculated and paid automatically.
Daily processing & operations health
Interest accrual, scheduled drawdowns, payment files and reconciliation run automatically each day, with a health report that flags exceptions before they become problems.
Portfolio intelligence & risk monitoring
Live portfolio metrics, concentration tracking and trend alerts give leadership and treasury earlier visibility of risk, limit breaches and emerging pressure points.
Treasury & warehouse funder compliance
Real-time monitoring of portfolio parameters such as LVR limits, geographic concentration and property mix, with threshold alerts and automated compliance reporting to warehouse funders.
What we continue to do
Managed application service and ongoing improvement.
Lending systems are never finished. We run the platform day to day and keep improving it as products, partners and obligations change.
- Hosting, monitoring, alerting and backups
- Daily processing oversight and exception follow-up
- Warehouse funder reporting and portfolio limit monitoring
- AI-assisted origination model monitoring and refinement
- Portfolio intelligence tuning and new risk indicators
- Security updates and access-control reviews
- Application support and defect resolution
- Payment and property-data integration maintenance
- New features as products and regulation change
Business impact
Capacity without a bigger back office.
The lender can write and service more loans without adding proportional administration, and can evidence what happened on every file.
Automated daily servicing
Accrual, drawdowns, payments and reconciliation run without manual handling.
Faster, cleaner origination
Defined stages, tasks and document checklists keep files moving.
AI-assisted underwriting
Routine document and data work is handled by the system, so underwriters focus on judgement.
Self-service for brokers and customers
Progress, documents and statements are available without asking staff.
Portfolio intelligence
Live risk metrics, concentration and trend alerts give leadership earlier visibility.
Audit-ready by default
Approvals, documents and transactions are recorded as work is done.
Running a complex, regulated process on spreadsheets?
A free discovery session will tell us whether your process is a good fit for the same approach.