Tailor-made AI for your lending operation.
Every brokerage and every lender runs differently. SUNDRIFT AI Consulting builds AI automation around the way your business actually works: on your systems, with your team, inside Australian regulation. Then we run it with you until it's part of the furniture.
The admin behind every loan, handled.
You didn't hire your people to rekey data, chase payslips and read lender policy PDFs. We build the AI layer that does that work, on top of the CRM and tools you already use, so your brokers stay with the client and the deal.
Lead intake & qualification
Every enquiry captured, qualified against your criteria and booked into the right diary. Nothing sits unanswered overnight.
Document collection & checking
Requests, reminders and receipts handled automatically. Payslips, statements and IDs read, checked and filed against the application.
Compliance file preparation
Preliminary assessment, credit guide, Best Interests Duty notes and lender-specific evidence assembled as the file moves, not at the end.
Lender & policy research
Serviceability and policy questions answered from your panel's current rules, with the reasoning shown, so scenario work takes minutes instead of an afternoon.
Client follow-up & retention
Settlement updates, fixed-rate expiries, review anniversaries: every touchpoint drafted in your voice and queued for a person to send.
CRM & workflow connection
Built into the tools you already run, with your team approving every action. No rip-and-replace, no retraining your office.
How an engagement runs
Map
We sit with your team, walk a real file end to end, and mark exactly where the hours go.
Build
We configure SUNDRIFT AI's agents around those steps: your templates, your lender panel, your compliance standards.
Run
We go live alongside your team, with human approval on every action, and tune it until it disappears into the working day.
A tailor-made AI layer for your lending business, built around the way you actually lend.
No two lenders run the same credit policy, the same systems or the same risk appetite. So SUNDRIFT AI does not sell lenders a fixed product. We design and build an AI capability around your policy, your loan origination system, your broker channel and your control framework, then run it with your team until it is a normal part of how your business lends.
What we can build for you
Each of these is a piece of work we scope with your credit, operations and risk leads. Start with one. Add the next when the first one has earned its place.
Submission triage and completeness
Every incoming file checked for completeness and policy fit before it reaches an assessor. Missing evidence, out-of-policy items and obvious errors raised at the door, so assessor time goes to files that are ready.
Policy and serviceability reasoning
Your credit policy, product rules, exceptions and serviceability calculators applied the same way on every file, with the reasoning shown line by line so an assessor can agree, override or escalate.
Income, liability and identity verification
Payslips, bank statements, tax documents and identity documents read and reconciled against the application. Inconsistencies surfaced instead of buried in a PDF.
Fraud and inconsistency signals
Document tampering markers, mismatched figures across sources and unusual patterns flagged for a human to review. Your fraud team sets the thresholds.
Assessor co-pilot
A decision-ready summary for every file: what is verified, what is outstanding, where policy is met and where it is not, and draft conditions and notes ready for the assessor to approve or edit.
Conditions and post-approval tracking
Outstanding conditions tracked to settlement, follow-ups drafted in your voice and queued for approval, and nothing left waiting on a forgotten email.
Broker-channel enablement
Give your broker network an AI layer that speaks your policy: scenario answers, document checklists and submission guidance that reduce rework before a file ever reaches you.
Customer communications
Status updates, requests for information and settlement correspondence drafted from the file, in your tone, and released only after a person approves them.
Hardship and arrears support
Early identification of accounts that need attention, consistent application of your hardship policy, and prepared case notes so your team can act quickly and fairly.
Audit, explainability and reporting
Every AI action logged with its inputs and reasoning. Reports your internal audit, compliance and risk committee can read without a data team in the room.
Private models on your policy stack
A model trained on your policy, credit rules and document standards. Not shared with any other lender. Hosted on Australian infrastructure. Model-agnostic, so you are never locked to one vendor.
Integration with your systems
Connected to your loan origination system, CRM, document store, broker portal and data warehouse. We build to your integration standards, not the other way around.
What tailor-made means here
Your policy, not a generic one
The AI reasons over your credit policy and product rules as written and as applied by your assessors, including the exceptions that never made it into the manual.
Your systems, not a new portal
The capability lives inside the tools your people already use. Nobody logs in somewhere new to get the benefit.
Your controls, in the design
Deterministic rules where rules belong, models where judgement does, and a human approval gate at every point where an action reaches a customer or a decision.
Your data, on Australian infrastructure
Data stays in Australia and stays yours. It is never used to train a model for anyone else. Sensitive identifiers are masked before any model sees them.
Your choice of models
The architecture is model-agnostic. We use the most appropriate model for each task and keep the ability to change it without rebuilding your workflow.
Your team, trained
We run the capability alongside your people, document how it behaves and hand over a system your own team can operate, monitor and extend.
How an engagement runs
Discover
We work through a sample of real submissions with your credit, operations and risk leads and map exactly where time, rework and risk sit today.
Design
We agree the scope, the control points, the approval gates and the success measures with you before anything is built, and put it in writing for your risk committee.
Build and integrate
We configure SUNDRIFT AI around your policy and connect it to your loan origination system, CRM and document sources, with deterministic controls and human-in-the-loop approval at each gate.
Run and hand over
We go live alongside your team, report on what the AI touched and why, tune it, and hand over documentation, monitoring and a system your risk committee can sign off on.
What you get
A working AI capability inside your lending workflow
Not a demo and not a slide deck. Something your assessors use on real files.
A documented control framework
Approval gates, deterministic rules, data handling and audit trail, written up for compliance and internal audit.
A risk pack for your committee
What the AI does, what it does not do, how it is supervised and how it is switched off.
A team that knows how it works
Your people trained to operate, monitor and extend it. You are not dependent on us to keep it running.
Who this is for
Banks, mutuals, non-bank lenders, mortgage managers and fintech lenders in Australia who want a genuine AI capability inside their credit operation, built for their policy and their controls, rather than a generic tool bolted on the side.
Built for regulated work.
Human in the loop
The AI recommends. Your people approve and act.
Deterministic controls
Hard rules where rules belong; models where judgement does.
Data stays in Australia
Hosted on Australian infrastructure. Never used to train anyone else's model.
Traceable by design
An audit trail on every action the system takes.
Bring a real file.
Book a working session with the team. Bring a workflow you'd like to see automated; leave with a clear view of what changes.