CoSign Underwrite
The spread comes from the data. The judgment comes from you.
Underwrite produces composite risk scores that weight credit, collateral, and deal quality by product type. Probability of default with timing prediction. Collateral recovery projections integrated directly into pricing. Every score traces back to the data that produced it.
Examiners see the reasoning. Not a black box.
Capabilities
Credit. Collateral. Deal structure. Scored together.
Most underwriting tools score credit in isolation. Underwrite fuses credit risk, collateral quality, and deal structure into a single composite score, weighted by product type. The system produces the spread. The underwriter produces the judgment.
One score. Three dimensions. Full traceability.
Probability of default with timing
Not just whether a borrower will default, but when. Timing prediction changes everything about loss severity, recovery strategy, and pricing. A default at month 8 on a 60-month lease is a different risk than a default at month 42.
Collateral recovery integration
Recovery projections feed directly into pricing. The model knows that a default on a Cat excavator in month 18 recovers differently than a default on a cobot in month 18. Residue forward curves plug directly into loss-given-default calculations.
Composite scoring by product type
A $50K forklift lease and a $2M robotic cell financing carry different risk profiles. Underwrite weights credit, collateral, and deal structure differently by product type. The scoring adapts to what matters for that deal.
Full explainability
Every score decomposes into the factors that produced it. Conformal prediction intervals quantify confidence. The examiner sees which data points moved the score and by how much. Regulatory-ready audit trails from day one.
The underwriter who uses Underwrite does not get replaced. They get leverage.
Request demoFlow deals
Clean credits on standard equipment. Decisioned without a queue.
Below-threshold deals run through automated scoring. Credit pulls, collateral checks, and pricing happen in sequence. Indicative terms generate without a senior underwriter opening the file. Your pipeline moves at the speed of the broker, not the speed of your staffing.
Same-day terms on deals that used to wait in line.
Structured deals
The hard deals get the full model. Your best people get the full picture.
Complex credits, unusual collateral, multi-asset structures. Underwrite runs every signal through the composite model and presents a scored workspace. The underwriter sees credit, collateral, and deal structure side by side with confidence intervals on each.
The system does the math. The underwriter makes the call.
Send us a deal. We will score it.
See composite scoring and explainable risk on your own portfolio data. No integration required.