CAMs that write themselves. Credit teams that decide faster.
Novel Patterns CAM Automation converts borrower data, financial analysis, bank statement intelligence, policy rules, scorecards, deviations and approval notes into a structured, explainable credit appraisal memo.
Everything a credit team needs in one CAM workflow.
CAM Automation turns fragmented borrower evidence into structured credit narratives, policy outcomes, risks, mitigants and decision-ready summaries.
Auto CAM Generation
Generate structured credit appraisal memos using borrower data, analysis and policy outputs.
Credit Intelligence
Embed bank statement analysis, cashflow patterns, scorecards and behavioural risk signals.
Policy Rule Checks
Run eligibility, exposure, product, collateral, deviation and approval rules automatically.
Deviation Management
Identify policy deviations, capture mitigants and route exceptions to the right approver.
Financial Summary
Summarize income, obligations, liquidity, leverage, turnover, ratios and repayment capacity.
Reason Codes
Explain the decision through transparent risk drivers, strengths, weaknesses and conditions.
Audit Trail
Maintain evidence lineage, policy version, calculation trace and approval history.
LOS Integration
Connect CAM outputs with origination, sanction, document checklist and disbursement workflows.
From evidence to approval-ready CAM.
A single automated flow for credit teams, underwriters, approvers and audit teams.
Capture Evidence
Collect borrower profile, bank data, financials, documents, bureau and product inputs.
Analyze Credit
Run cashflow analysis, ratio checks, obligations, affordability and scorecards.
Check Policy
Evaluate eligibility, limits, deviations, collateral, covenants and approval rules.
Generate CAM
Create credit memo narrative, strengths, risks, mitigants, conditions and recommendations.
Route Approval
Send CAM to maker-checker, approvers, sanction workflows and audit records.
Where it helps lenders
What Novel Patterns adds
Turn credit analysis into approval-ready CAMs.
Use Novel Patterns CAM Automation to reduce manual effort, improve decision consistency and accelerate credit approvals with explainable intelligence.