Polaris · For Community Financial Institutions

Automated Loan Document Processing for Community Financial Institutions

Polaris eliminates the manual back-office work that slows your commercial lending — delivering structured data and a full Insights report in under an hour, before your team opens a single file.

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Approve More Loans.

Without changing your bank's systems, people, policies, or processes.

Set Your Team Free.

Take the manual steps out of their daily work so they can go back to being bankers making smart credit decisions.

We Handle the Messy Work.

We handle the data entry and manual work your systems are supposed to.

What It Is

Managed document intelligence for your commercial lending team.

Polaris Automated Loan Document Processing is a managed solution that ingests, classifies, extracts, validates, and delivers a structured data extract and Insights report for every commercial loan package, before any human has opened a file.

Your team keeps their systems, their workflows, and their credit judgment. Polaris handles the first mile. Everything else works better.

Why It's Different

  • → No implementation project or IT dependency required
  • → Works alongside your existing LOS, core system, and spreading tools
  • → Fully deployed and managed by Shore Group (not your team)
  • → Proof-of-concept on your own historical loan files within 48 hours
  • → Pilot-to-Partnership model — proof before commitment at every step

Built For

Who Polaris Serves

Community Financial Institutions

Community banks and credit unions processing commercial loans with manual workflows, fragmented systems, and limited IT capacity.

CLOs, CCOs & Lending Operations Leaders

Teams competing against larger institutions on speed and process quality and losing deals because credit review takes too long.

Executives & Boards Facing Pressure to Modernize

Leaders fielding board-level initiatives around lending efficiency, operational risk, and digital transformation without bandwidth for a multi-year IT project.

There Are Hidden Risks Inside Every Loan File.

The only question is how early your team sees them.

Risk: Delayed Visibility

Before Polaris

Weeks

before a preliminary credit view exists — documents trickle in across email and portal with no automated completeness check

With Polaris

After Polaris

Under an hour

from document drop to structured data extract and Insights report

Document collection stalls every loan before underwriting even starts.

28 or more documents collected across dual channels with no automated completeness check. Status tracked in personal spreadsheets. Nothing is ready when underwriting needs it and nobody knows until it's already too late.

Risk: Capacity Drain

Before Polaris

5+ times

core loan data manually re-keyed across LOS, spreading software, credit memo, commitment letter, and core system booking

With Polaris

After Polaris

Delivered once

structured extract feeds directly into your existing systems

Your most experienced people spend the most time on the least judgment-intensive work.

Credit analysts spend hours re-digitizing tax return data that already exists in uploaded documents. McKinsey calls it "swivel chair" work. Your team calls it Tuesday. It's automatable and Polaris does it.

Risk: Committee Delay

Before Polaris

Day 35+

when LTV exceptions, thin DSCR margins, and documentation gaps typically surface — at underwriting or in committee, not at intake

With Polaris

After Polaris

Day 1

risk flags, stress tests, and exception memos surfaced at intake

Loan committee discovers risks your team should have seen at intake.

Most standing committees meet weekly. One tabling costs you a week. Two can cost you the deal, especially on a competitive takeout with a balloon maturity approaching. Issues known early are issues answered early.

The Spam Filter for Your Loan Pipeline.

Every loan that reaches underwriting cost you something to get there. Polaris puts the filter at the front — so your team's time, your LOS transaction costs, and your underwriter's bandwidth go toward loans worth processing.

The Clear Reject

Stop it before it ever reaches your LOS.

If a loan is going to fail at underwriting, you want to know on Day 1 — not Day 35. Every processor hour, LOS transaction, and analyst review spent on a deal that was never going to fund is a direct cost. Polaris catches these before that clock starts.

Typical time recovered: Days 5–22 saved per obvious no — before underwriting ever opens the file

The Tough Call

Walk into committee with the hard questions already answered.

A loan with a thin DSCR, a vacant suite, and a documentation gap — Polaris flags all three on Day 1. Your team walks into committee already knowing what the questions will be, with prepared answers. The one-week tabling cycle is avoided.

Typical cycle avoided: ~1 week per loan when committee is prepared from the start

The Clean Approve

Even a strong loan benefits from a pre-screen.

Your underwriter gets a credit narrative that confirms what they're seeing, catches any cross-document discrepancies, and documents the analysis. Less time on documentation. More time on judgment. Faster committee decision.

First-pass documentation: Hours of manual spreading reduced to under an hour of structured output

Key Capabilities

What Polaris Can Do

No new software to learn. No system to administer. Shore Group manages the delivery. Your team gets the output.

Intelligent Document Ingestion

Accepts files via email, secure file transfer, or your LOS portal — any format. Nothing needs to be sorted or labeled before it enters the workflow.

Auto-Classification & Field Extraction

Identifies every document type and extracts data field by field — tax returns, rent rolls, PFS, operating statements, K-1 schedules, multi-year comparisons.

Cross-Document Validation

Numbers are cross-referenced across every document in the package. Discrepancies and missing data are flagged before anyone opens a file.

Insights Report with Risk Scoring

Every package returns a scored report: LTV stress tests, DSCR exposure, exception flags, missing documents, and a conditional approval recommendation.

Structured Data Extract for Your Systems

A clean extract feeds directly into your LOS, spreading software, core system, or CRM. The manual re-keying cycle stops here.

Complete Audit Trail

Every document, field, flag, and resolution is timestamped and structured. When examiners ask how a credit decision was made, you have a documented answer.

What Polaris Delivers

Two outputs from every commercial loan package.

Every loan package processed through Polaris produces a clean structured data extract and an Insights report to benefit your downstream systems and processes. One for your systems. One for your people.

Output 01 · For Your Systems

Clean Structured Data Extract

Every field from every document, extracted, validated, and formatted for direct ingestion into your downstream platforms — no reformatting, no re-keying.

Click to Zoom

Delivers to your existing platforms

LOS Core Banking Spreading Software CRM Any format

Eliminates the manual re-keying cycle that currently happens five or more times across the loan lifecycle. Your processor approves clean data. Your analyst opens a pre-populated file.

Output 02 · For Your People

Polaris Insights Report

A structured credit pre-screen for every loan package — built for analysts, underwriters, and loan committee members who need to start from a better place.

Click to Zoom

Used by your lending team

Credit Analysts Underwriters Loan Officers Loan Committee CLO / CCO

Credit analysts, underwriters, and loan committee members use the Insights report to cross-reference their spreading, validate assumptions, and surface questions before they become a surprise. Polaris doesn't replace this work. It gives the people doing it a better starting point.

How We Engage

Pilot-to-Partnership: proof before commitment.

We earn trust at every step. No long-term contract required to get started — and no live loans needed for the proof of concept.

Step 01

Discovery

Free · 1–2 weeks

We map your current commercial lending workflow and identify where Polaris delivers the most immediate value for your team and systems.

Step 02

Proof of Concept

Low cost · 2–4 weeks

Send us two or three historical loan packages. We return a full data extract and Insights report within 48 hours. Compare against your credit memos. You'll know immediately if it's useful.

Step 03

Pilot

Fixed rate · 1–3 months

Run Polaris in production at discounted fixed pricing. Validate time savings, data quality, and team adoption on live loans before any long-term commitment.

Step 04

Partnership

SLA-backed · Ongoing

Outcome-based engagement with predictable pricing and SLA-backed delivery. Scales with your loan volume as needs evolve.

Ready to see what under an hour looks like?

After a short discovery call and demo, test our platform on your own data. Send us two or three sample historical loan packages and we will return a full Insights report — no cost, no commitment to proceed, no live loans required.

Schedule a Free Discovery Call

Related Reading

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