Capability blueprint — Specialty lending (FinTech)
Specialty Underwriting Engine
blueprint · underwriting engine
CAPABILITY BLUEPRINTA reference architecture for this sector: how TEKTON would engineer the system, drawn from what our survey engine measures in estates like it. It is not a client engagement, no client is named or implied, and the interface above shows illustrative data.
THE CHALLENGE
Specialty lenders run deals across brokers, valuers, solicitors and borrowers by email attachment, then re-key the figures into a spreadsheet model. Every hand-off is a delay and a data-protection risk. One portal, one engine, one audit trail.
THE ARCHITECTURE
01
Document portal
- Per-party access for borrower, broker, valuer and solicitor
- Files encrypted at rest with per-deal keys
- Every view and download logged
02
Credit engine
- Deterministic rules for LTV, ICR and exposure limits
- Every decision explained line by line
- Re-runs in seconds when a figure changes
03
Deal desk
- Pipeline from enquiry to completion
- Conditions tracking and completion packs
- Audit export for the funding line
TECHNOLOGY
| Security | Envelope encryption per deal, signed access links, full access log |
|---|---|
| Engine | TypeScript rules engine with versioned, tested rule sets |
| Data | PostgreSQL, append-only decision history |
| Front end | Next.js portal and deal desk |
WHERE IT STARTS
A reference architecture, not a client engagement. Every engagement starts with a survey of the existing estate.