Automate banking document processing
Financials, tax returns, and rent rolls become structured, schema-correct data: classified to your definitions, verified against your rules, every time.
Built to work across your banking documents.
Whatever the source, Cognaize reads it, classifies it to your definitions, and verifies it before the data reaches your systems.
Financials
Private and audited financial statements.
- 10-K
- 10-Q
- US Private Financials
- Global Private Financials
- Municipal Financials
Tax returns
Personal and business.
- 1040
- 1040-SR
Commercial Real Estate
Property-level data across CRE portfolios.
- Rent rolls
- Operating statements
- Credit agreements
Spreading is still done manually.
Analysts still copy figures from filings into spreadsheets, one line item at a time. Automation was supposed to fix this. But templates break when a filing's format shifts, and generic extraction can't tell your revenue from a subsidiary's. The review work lands back on the analyst.
A rigid extraction template works until a footnote moves or a line item is renamed. Then it fails outright, and someone has to rebuild it manually.
Generic extraction can't tell a parent company's revenue from a subsidiary's, or know when a footnote modifies the number above it.
Standard automation clears the straightforward filings and returns the rest for manual rework. That is exactly where the credit risk lives.
Structured data, delivered where your analysts already work.
Cognaize sits ahead of your existing systems, not alongside them: the same spread you'd build manually arrives already structured, classified, and verified.
failures escalate, not shipped
Your analytical framework, applied to every spread.
Your definitions for COGS, restricted cash, and depreciation treatment are captured once in your Personalized Analytical Framework (PAF), then enforced, deterministically, on every filing that comes through.
Your classifications, not a template's
The Semantic Kernel translates your definitions into deterministic checks: the same rules on every spread, at any volume.
Every identity checked
Balance sheets reconcile, subtotals roll to totals, and every value is traceable back to the rule that verified it.
Failures escalate, not ship
A footnote that doesn't reconcile triggers a targeted re-run on a stronger model, not a plausible-looking guess.
See it run on your filings.
Bring a real 10-K or credit file. We'll spread it to your rules, live.
Request a demo