AI commercial underwriting for credit unions and member business lending

Aloan automates the underwriting analysis required by NCUA Part 723 — including the cash flow analysis, collateral evaluation, and credit memo documentation that the regulator expects in the file. The platform produces standardized memos that align with the credit union's board-approved MBL policy and lending limits, and the source-cited audit trail simplifies NCUA exam review of MBL files. The platform does not enforce MBL limits or aggregate exposures across the portfolio (those live in the LOS or core), but it makes per-deal MBL underwriting meaningfully faster.

Yes. Aloan handles the full range of member business loans — from small owner-occupied real estate and equipment finance through multi-entity CRE deals up against the 12.25% MBL aggregate cap. For credit unions that have received an MBL exception or operate under the low-income designation that exempts them from the cap, the platform scales without per-deal configuration changes. The underwriting workflow is the same regardless of where the loan sits relative to the cap.

NCUA examiners treat AI-generated underwriting analysis the way they treat any other underwriting output: they evaluate whether the analysis is reproducible, whether the credit decision authority remains with the credit union, and whether the documentation supports the lending decision. Aloan addresses all three. Every figure cites its source document. The credit officer reviews and approves every memo. Model documentation aligns with NCUA Letter to Credit Unions guidance on third-party risk management for AI vendors. Credit unions deploying Aloan have not seen exam findings tied to the AI output.

Yes. Many credit unions participate in commercial credits originated by other credit unions, regional banks, or CUSOs — particularly to deploy capital efficiently against the MBL cap. Aloan produces the standardized analysis and credit memo that the participating credit union needs for its own credit committee and exam file. The same Aloan output can be shared with all participating institutions, which removes the typical re-underwriting friction in participation deals.

Many credit unions outsource commercial underwriting to a CUSO precisely because they can’t justify hiring a dedicated commercial credit team. Aloan changes that math. With AI handling the spreading and credit memo work, a 1–2 person credit union team can plausibly run commercial in-house at the volume that previously required CUSO support. Credit unions that prefer the CUSO model still benefit — the CUSO can adopt Aloan to deliver faster, more standardized output to its member CUs (see the CUSO industry page).

Yes. The typical credit union commercial book leans heavily on owner-occupied real estate, small business C&I, equipment, and SBA — the deal types where member relationships and local economic ties are the credit thesis. Aloan handles all of these, including the common challenge of analyzing self-employed borrowers and small operating companies whose tax returns are intertwined with their personal financials. Multi-entity tax return handling and global cash flow analysis are core capabilities.

Aloan is core-agnostic. The platform sits in the underwriting analysis layer and integrates with whichever core or LOS the credit union uses — Symitar, Corelation KeyStone, FIS Cleartouch, Fiserv DNA or XP2, or others. Aloan delivers the spread, analysis, and credit memo output that gets attached to the loan record in the credit union's existing system. No core replacement required.

Pricing is volume-based, not seat-based, which works well for credit unions where one or two analysts handle the entire commercial pipeline. Most credit unions in the $250M–$1B range land in a low five-figure annual price point with no implementation fee. The relevant ROI math is the underwriting hours freed up per credit — most credit unions break even on the first 30–50 commercial credits processed.

Yes — directly. Commercial credit officers with 10+ years of experience are scarce and expensive, and the credit union industry has been particularly squeezed. Aloan does not replace that experience, but it removes the keystroke labor (spreading, document organization, memo drafting) so the senior credit officer can focus on the credit decision and member relationship. A credit union that previously needed three commercial underwriters can run with one senior CO and an Aloan deployment, with output quality that holds up in front of NCUA.