AI, data reshape commercial credit lifecycle

Finextra will host a webinar in association with FIS to examine how artificial intelligence, real-time analytics and API-enabled ecosystems can reshape the commercial credit lifecycle. The online session will bring together industry practitioners to discuss use cases across underwriting, workflow automation, risk monitoring and servicing.

Banks are moving from disconnected point solutions and siloed workflows toward integrated, end-to-end lending platforms that combine data, processes, systems, partners and staff. Lenders cite more complex market conditions and rising borrower expectations as factors behind the shift.

Panelists plan to focus on AI models for underwriting and credit assessment that combine traditional credit metrics and alternative data to shorten approval times and refine pricing. They will also examine workflow automation to reduce manual tasks in origination and servicing, and continuous risk monitoring that uses analytics to flag portfolio shifts and concentration risks earlier.

Speakers will discuss how APIs and streaming analytics can link internal systems and third-party services to provide a single view of borrower data and exposures. Streaming analytics allows institutions to act on fresh information instead of relying on periodic batch reports.

Modernisation strategies on the agenda include adding API layers and middleware to expose capabilities in legacy systems, running targeted AI pilots before wider rollouts, and adopting composable architectures that allow new services to plug into existing infrastructure. Organisational changes under discussion include cross-functional governance, clearer data ownership and a playbook for integrating external partners without disrupting operations.

The Chartis Credit Lending Operations 2026 report is cited in the session. The report finds a growing industry focus on moving from fragmented processes to unified lending operations and states that intelligence, automation and connectivity working together support growth and can strengthen portfolio performance when paired with robust operational controls.

The webinar will feature Dale Glajchen, vice president and head of commercial loan servicing and syndication at FIS; Anish Shah, research director at Chartis Research; and Sharon Kimathi of Finextra, who will moderate. The session will examine how lenders can prioritize AI deployments, apply real-time analytics in decision-making, and build API ecosystems to work with fintech and data partners.

Panelists will place the discussion against a background of decades of legacy systems and recent advances in data integration and cloud services that make it easier to assemble a fuller picture of customers, exposures and opportunities. They will note that technology changes interact with operating model changes when institutions move data across the credit lifecycle while maintaining operational resilience.