Document collection and verification is the process of requesting, receiving, and validating all required paperwork from borrowers for loan applications. Manual handling creates delays, scattered files, and frequent errors that slow underwriting and frustrate borrowers.
Automation generates dynamic checklists, monitors incoming documents, validates completeness and accuracy, and notifies the lending team when files are ready. The result is faster turnaround, fewer follow-up requests, and fewer errors.
The full workflow, from trigger to completion.
A new loan application enters the system and is marked for document collection. The automation is triggered with the borrower details and loan type.
The automation reads the loan type and borrower profile, then generates the required document list based on lending criteria rules.
A personalized email with a secure document upload link is sent to the borrower, including the checklist and a deadline.
The automation monitors the document portal and for new uploads from the borrower, checking for file arrival and basic metadata.
The automation opens each uploaded file, validates it against the checklist (borrower name, document type, date, file integrity), and flags any gaps or errors.
The system checks whether all required documents have been received and passed verification.
If documents are missing or invalid, an automated email is sent to the borrower listing the gaps and requesting resubmission.
Once all documents are verified and complete, a notification is sent to the lending team with a summary and a link to the verified file.
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