AI built for loan review, not bolted onto it.
These are the defensible reasons to choose Klerum over generic loan-review software or a generic AI tool. No bluster, just what the AI does and why it holds up.
AI that applies your methodology
Generic AI guesses. Klerum's AI samples and drafts against your documented approach: coverage, tier selection, classified and criticized handling, officer spread. The same standard, applied consistently across every bank.
AI that cites every claim
Every figure the AI extracts points back to its source document and page, with a verbatim excerpt. That is the difference between an answer and an answer you can defend in front of an examiner.
It reasons like a senior underwriter
Key Considerations reads the whole relationship — loans, collateral, guarantors, cash flow — and returns the strengths, watch items, and risks a senior reviewer would raise, each with the questions to chase. Not a summary; an analysis.
The borrower's PII never reaches the model
Documents are redacted before any AI call — names, SSNs, and tax IDs become tokens, and redaction fails closed. The math a rating turns on is deterministic code, never AI. Private and defensible by construction.
Human-in-the-loop by design
The AI never makes a credit decision. It reads, extracts, recommends, and drafts. Your reviewer confirms every rating, a senior reviewer approves every memo, and the audit log captures every change.
An AI peer reviewer
An independent AI second set of eyes challenges the primary rating and flags rating drift, stale documents, and unsupported claims. It sharpens the human review rather than replacing it.
Built by reviewers, for reviewers
Every AI feature traces back to a real loan-review workflow, not an imagined one. The product reflects how reviews are actually scoped, sampled, analyzed, and signed off.
Multi-FI native from day one
The review-firm structure, one organization with many institutions and per-FI overrides, is a first-class data model rather than a bolt-on. Per-institution scoping runs on every query.
Transparent AI cost
AI cost runs a few cents per document, measured. Pricing is cost-plus with a modest markup on tokens, an ethical floor a bank can audit.
Deployable today
Built on Anthropic's Claude models, Next.js, and PostgreSQL, in production now. A new client can be live in days, not quarters.
The AI operating system for commercial loan review.
We took a loan-review methodology refined over decades and built it into software, with AI that reads the files and drafts the analysis. Reviewers still make every rating decision, but they do it far faster, and with a full audit trail behind every output.
See Klerum on your own portfolio.
A 30-minute demo, no deck. Upload a sample trial and watch the AI propose a review population against your methodology.