| Applicant | Amount | Score | Status |
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AI Insight
3 applications flagged for collateral re-verification in Kampala & upcountry branches. 2 Stanbic/dfcu bank statements show MoMo transfer anomalies requiring follow-up.
Loan applications that are not yet completed — pending intake or under review. Approved and rejected files are not shown here.
| Ref # | Applicant | Loan Type | Amount | Virtue Score | Status | Action | Close Appraisal |
|---|
New Loan Appraisal – Step 1: Applicant Information
Please capture the primary details of the borrower or entity applying for credit.
Upload documents by category for AI-assisted analysis. Up to 10 files per section, maximum 25 MB each.
1. Bank Statement Analysis
Drag & drop or browse bank statements
Up to 10 documents · Max 25 MB each
2. Additional Financial Statements Analysis
Audited books, sales book, inventory list, etc.
Drag & drop or browse financial statements
Up to 10 documents · Max 25 MB each
3. Secondary Documents Analysis
Contracts, agreements, MOUs, statutory documents, powers of attorney, board resolutions, recommendation letters, etc.
Drag & drop or browse secondary documents
Up to 10 documents · Max 25 MB each
New Loan Appraisal – Step 3: Credit History
Capture the applicant's credit background and upload CRB reports for verification and AI analysis.
List all existing loans, credit facilities, and mobile money loans, including total monthly debt repayments.
Have you ever missed a payment or been over 30 days late on any credit agreement? If yes, state the cause and how it was resolved.
Have you ever guaranteed another person's loan or pledged collateral for a third party?
Upload the Credit Reference Bureau (CRB) report to verify applicant disclosures and enrich the AI analysis with bureau data on accounts, repayment history, and risk indicators.
Drag & drop or browse to upload CRB report
Up to 5 documents · Max 25 MB each
AI Cross-Verification
The AI assistant will compare applicant responses against the CRB report to flag inconsistencies, confirm disclosed facilities, and incorporate bureau findings into the final appraisal summary.
New Loan Appraisal – Step 4: Collateral
Document collateral details, ownership records, and site visit evidence.
Drop title deed, logbook, or ownership documents
Up to 5 documents · Max 25 MB each
Upload photos from the collateral inspection — property, land boundaries, vehicle condition, and visit documentation showing the applicant and credit officer where applicable.
Drag & drop or browse to upload pictures
Up to 10 pictures · Max 25 MB each
New Loan Appraisal – Step 5: Analysis and Suggestions
Review AI-assisted insights to support your appraisal. ACREMA assists — the credit officer makes the final decision.
Suggestion
Applicant appears to demonstrate adequate cash flow to service the proposed loan. Monthly net income may exceed required debt service by approximately 42%. Consider standard terms if other checks are satisfactory.
Points to Verify
Collateral valuation should be confirmed by an independent appraiser. Updated bank statements (last 90 days) may be required before disbursement.
Bank Statement Interpretation
Average monthly inflow UGX 45M. Stable salary credits via Stanbic Bank Uganda and MTN MoMo business receipts. No overdraft incidents in last 6 months.
Financial Statement Analysis
Revenue growth 12% YoY. Gross margin 38%. Positive operating cash flow. Working capital adequate for loan tenure.
Anomaly Verification
1 flagged item: Large single transfer (UGX 18M) on 14 Mar — requires explanation. No duplicate or forged document indicators detected.
Download a detailed multi-page report or a concise one-page summary covering findings, suggestions, alerts, green flags, red flags, and recommendations.
Reports are generated from submitted applicant data, documents, credit history, and collateral information. They support — but do not replace — the credit officer's judgement.
Analyze, verify for anomalies, summarize, quantify, and interpret bank statements, financial statements, project proposals, contracts, KYC documents, and more.
Drag & drop or browse to upload
Suggested Questions
Request vetted Ugandan professionals to support collateral verification, valuation, and compliance with local law.
Credit policies, company guidelines, and personal reference materials for Ugandan lending operations.
Curated credit policy materials maintained by your institution. Additional resources will appear here as they are published from the backend.
These resources are read-only and updated centrally by your administrator.
Upload or type company policy information on the left. Saved resources appear on the right for easy reference and AI customisation.
Drag & drop or browse
0 of 20 documents · Max 25 MB each
Resources are saved locally for this prototype. Backend integration will persist them for AI customisation across your organisation.
Upload or type personal credit notes on the left. Your saved resources appear on the right.
Drag & drop or browse
0 of 20 documents · Max 25 MB each
Latest updates on Bank of Uganda regulations, Ugandan financial sector news, and local market trends.
Request a credit bureau report to assess borrower credit history, existing facilities, and repayment behaviour.
| Ref | Applicant | Status | Date |
|---|
- Credit score and risk rating
- Active and closed loan accounts
- Repayment history and delinquencies
- Enquiries and defaults (if any)
- Cross-bureau consolidated view where available
Reach our support team for technical help, account inquiries, or general feedback.
support@acrema.com
+256 700 000 000
Mon – Fri, 8:00 AM – 6:00 PM EAT
Kampala, Uganda
For immediate assistance with credit analysis or policy questions, try the AI Credit Manager.
| Name | Role |
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Appraisals belonging to your company's credit officers and analysts. Add a comment, information request or recommendation to guide them.
| Ref | Applicant | Officer | Status | Score |
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