Loan Underwriting Services

Easy, reliable, affordable – with years of experience in the financial industry, eNoah enables lenders to optimize productivity and streamline costs with the right people, right processes, and right technology.

With our end-to-end understanding of underwriting processes and our broad spectrum of support services, you can scale for growth and improve profit margins. By outsourcing processing tasks to eNoah, your staff can focus on critical functions, while we take care of your back-office support tasks. We provide services across the lending value chain, from origination and fulfillment to secondary marketing and servicing.

Other Key Services Include

Finance and Accounting

Financial Services

Bookkeeping & Accounting

Mortgage Services

Title Report Services

Underwriting

Cash Flow/Bank Statement Analysis
Tax Return Analysis
Business Info Validation
Owner Info Validation
SOS & OFAC Check
Directory Assistance & Social Media Search
SAFER Portal Check
Submission Package for Underwriter Review

Support Services

Leads Research & Loan Origination
Document Management
IT Services
Submissions Management Including Portal
Automation/Integration (API) Services
Data Analytics and Visualization Services using ML & AI

Post Underwritin & Closure Support

Merchant Contract Preparation
Payment Run
Accounting & Reconciliation
Payoff Letter Preparation
Investor Reporting

eNoah provides pre-underwriting services for leading financial services companies. Our specialists can input, update, and validate borrower and guarantor details (including but not limited to banking information, financial statements, and credit score information).

This data can be input directly to your system, or analysts can prepare a completed documents folder for your underwriters. We can carry out the entire pre-underwriting process with professional expediency and precision while reducing your costs.

eNoah’s infrastructure and processes are HIPAA, GLBA, and ISO 27001 compliant, operating in a secure environment where your clients’ personally identifiable information is protected.

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What we do

Enhance your Underwriting Capability

Email Automation

Dragin streamlines email management by automatically analyzing and organizing inbound emails. Key functionalities include:

Sorting & Classification (5 seconds): Emails are instantly categorized into appropriate folders, ensuring the team knows the status of each thread

File Identification (5 seconds): Machine learning models rename and sort attachments for easy reference

Real-Time CRM Sync: Any additional emails or attachments related to a deal are automatically linked to the correct record in the CRM

Application & Bank Processing

Dragin automates the extraction and verification of merchant application details:

ISO Application Parsing (15 seconds): AI reads ISO applications, verifies addresses, and fills in missing details. A human verification step ensures 100% accuracy

Auto-Decline & Pre-Qualification Logic (5 seconds): Before bank statements are processed, Dragin applies decision logic to auto-decline unqualified deals or pre-qualify them before pushing them into the CRM

Bank Statement Processing: Extracts transactional data from PDFs and integrates it with underwriting

DraginForce CRM

Live Connectivity: Automatically consolidates all relevant emails, documents, and underwriting data into one view

Custom Automation: Allows instant replies and follow-ups with minimal manual intervention

Comprehensive Deal Tracking: Underwriters can access key financial data, including other advances and withholding percentages, all in one place

Withholding Management

Automated Advance Tracking: Dragin captures information on existing advances and calculates withholding amounts

Risk Analysis: The CRM presents a clear view of how much a merchant is currently withholding, helping underwriters make informed decisions

Offer Generation & Customization

Instant Offer Creation: Dragin enables businesses to generate contracts automatically using extracted data

Merchant Offer Portal: Merchants can adjust terms and rates dynamically, trading between higher funding amounts or better rates based on their preferences

Compliance Ready: Ensures that all documents and agreements meet necessary regulatory standards

Value Proposition

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Our professional and courteous pre-underwriting service specialist team is comprised of qualified graduates in finance discipline. Our analysts are experienced professionals with backgrounds serving some of the fastest growing financial services companies in the US. They will work whatever business hours are best for your business, communicating via online chat, email, and phone whenever needed.

Improved Profitability

Improved Cash Flow

Reduce Cost

Improved Process Efficiency

Reduce Cycle Time

Reduce Overhead

Turnaround time for the vast majority of underwriting tasks is two business hours, depending on the complexity of the job. Almost 98% of the orders are completed during the same business day. Day-end orders are delivered before the start of the next business day.

eNoah’s Loan Underwriting Services Offerings

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Loan Underwriting Services

Our experienced analyst can handle end to end pre-underwriting of loans which includes Cash flow analysis, Business & guarantor info validation, Credit appraisal, tax return analysis, Social Media research, SOS & OFAC check, Financial statement analysis etc
Our analysts summarize results of the review for the underwriters to make decisions
eNoah analysts ensure that client’s underwriting team focusses on functions that are more critical

Bank Statement Analysis

A dedicated specialist will complete a detailed analysis according to the client’s specifications including, but not limited to, Deposits – Total & Backed out, Itemized adjustments, Negative days, OD & NSF fee, Existing debt payments, unusual transactions etc.
Our team has been trained to identify fraudulent/manipulated statements. We have processed statements of close to 2000 different banks

Loan Setup in CRM

eNoah can setup loans in client’s CRM using the signed application & supporting documents provided by the brokers and sales team
Our team can correspond with brokers & sales to ensure that all compliances are in order.
If required, the team will contact Broker/Sales team for missing information
eNoah fills all the mandatory fields in the CRM before it is time to set up the loans

Servicing, Collection & Review

Early and overdue collection calls
Asset management
Overdue payments processing
Accounting and reconciliation
Mortgage Insurance
Appraisal report review

eNoah’s Unique Engagement Model

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Fractional FTE at Attractive Cost

eNoah has tailor-made programs with partial resources trained for both business functions. You pay for only half FTE to handle the transactions.

Hybrid Model

If volumes are between half FTE and full FTE, our unique engagement model enables clients to pay for only half FTE with transaction-based pricing.

Tools and Reports available – eTouch at a glance

We provide easy tracking and visibility through dashboards and reports.

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CRM

Salesforce
MCA Suite

Centrex Software
Zoho

Third Party Credit Reports

Experian
D&B Credit
Lexis Nexis

MicroBilt
Equifax
UCS

Paynet
TaxGuard

Other Reports

OFAC
Google Street View
FFIEC

REDFIN
Melissa
Office 365

Yelp
Zillow

File Sharing Applications

Dropbox
Onedrive

Box
Google Drive

Sharefile

Accreditation / Certifications