Overview
Lending due diligence typically relies on credit scores, borrower-submitted documents and internal banking records. While essential, these may not reveal an applicant’s wider business relationships, such as directorships in companies that went bankrupt, dissolved or faced financial distress. Finding that context means searching corporate registries, public databases and news sources by hand, which is slow and varies depending on who does the research.
To give lenders a fuller picture, the Sovereign Due Diligence Intelligence workflow, built on the AppsTek Sovereign AI Platform, brings AI in due diligence into the existing credit process. Borrower due diligence becomes faster and more consistent, while credit judgement stays with the bank’s lending and risk teams.
Key Highlights
- The Sovereign Due Diligence Intelligence workflow queries approved corporate registries and public databases through automated public-data ingestion.
- Entity resolution and linking connect records for the same person or company across multiple sources.
- Corporate relationship mapping identifies directorships, stakeholder links and connected companies, including bankruptcy, dissolution and distress history.
- Large Language Models (LLMs) and Retrieval-Augmented Generation (RAG) analyze approved news and web sources for relevant reputational and business-risk signals.
- Source-linked findings appear alongside existing credit and underwriting data, with applicant information kept in a client-approved environment.