Bringing practical innovation and flexible lending technology to banking teams across Virginia and Maryland.
We’re pleased to announce that Decipher Credit has joined the Virginia Bankers Association (VBA). Through the VBA and its relationship with the Maryland Bankers Association (MBA), we look forward to connecting with bankers across both states and helping commercial lending and credit teams put intelligent automation to work.
Decipher already serves community banks, helping their teams streamline the work that supports lending decisions and ongoing borrower relationships. Our membership creates an opportunity to share that experience, learn from Virginia and Maryland bankers, and contribute to conversations about the future of commercial lending.
More Time for Credit Analysis and Customer Relationships
Commercial lending involves substantial work behind every decision: collecting borrower information, reviewing financial statements, analyzing cash flow, preparing credit memos, and coordinating approvals. Those responsibilities continue throughout the relationship through monitoring and ongoing credit reviews.
Decipher helps teams manage that work in a connected platform. AI-assisted document processing and analysis reduce repetitive data entry and help prepare information for review. Configurable workflows organize tasks, approvals, and recurring requirements around each bank’s lending processes.
The goal is practical: give bankers more time to apply their expertise, evaluate credit, and serve their customers.
Use Individual Capabilities or the Complete Platform
Every bank has different systems, resources, and operational priorities. Some need help with a specific credit function. Others want to connect more of their lending process.
Banks can adopt Decipher for individual capabilities or use the complete platform, from borrower intake to ongoing credit reviews.
A bank might begin with financial spreading, credit memo preparation, or accounts receivable aging analysis, then expand into additional workflows as its needs evolve.
Decipher supports:
Borrower intake and origination: Collect application information and documents, manage pipelines, and coordinate next steps.
Financial analysis: Spread financial statements and tax returns, assess cash flow, and compare performance across periods and related entities.
Collateral analysis: Review accounts receivable and payable agings, inventory, and borrowing base information.
Credit preparation and approvals: Prepare credit memos and route decisions through lender-defined approval workflows.
Monitoring and credit reviews: Track recurring requirements and organize ongoing reviews throughout the lending relationship.
Open APIs and integration options help banks connect these capabilities with existing systems.
Practical Technology for Community Banks
Community banks bring deep knowledge of their customers and local businesses to every lending relationship. Decipher supports that expertise with technology that helps teams organize information, reduce manual work, and maintain consistent credit processes.
AI assists with document extraction, analysis, and credit preparation. Bankers review the information and apply their judgment, while lender-defined requirements and approval workflows guide the process.
Our work with community banks and lenders across commercial and industrial lending, asset-based lending, commercial real estate, and specialty finance informs this approach. Different lending structures require different analyses and workflows, and banks need technology that accommodates those differences.
Connecting With Bankers Across Virginia and Maryland
We look forward to engaging with the VBA and MBA banking communities, exchanging ideas, and learning more about the challenges and opportunities facing their members.
Whether your bank wants to improve one part of its credit process or connect the full lending lifecycle, Decipher offers a flexible path forward.
Explore Decipher Credit to learn how individual capabilities or the complete platform can support the way your bank lends.