# What AI prepares before a credit decision.

Canonical page: https://finanzer.ai/learn/ai-and-credit-decisions

> AI can help organise the evidence a reviewer needs. Its output should show the source, flag uncertainty and leave the lending decision with the authorised person.

AI can help organise the evidence a reviewer needs. Its output should show the source, flag uncertainty and leave the lending decision with the authorised person.

## From source documents to a reviewable proposal.

The proposed workflow keeps preparation, checking and approval distinct.

### Prepare

Extract and organise relevant information from controlled source records.

### Check

Flag inconsistencies, missing evidence and matters needing attention.

### Review

An authorised person assesses the proposal under the credit policy.

### Record

Retain the decision, reason and source version for later servicing.

## Make an incorrect suggestion easy to challenge.

A reviewer needs the source document and its version, not just the AI summary. Record corrections and the reason for the final decision so later reviews can follow what changed.

[Explore AI and underwriting](https://finanzer.ai/agent)

## Common questions

### What happens if the AI summary is wrong?

The reviewer should check the source, correct the record and record the reason. A generated summary is not an approval or a substitute for the credit review.

## Continue with AI and underwriting.

See how this process fits into the product Finanzer is developing.

[Explore AI and underwriting](https://finanzer.ai/agent)

[Browse all guides](https://finanzer.ai/learn)