Capability blueprint. Specialty lending (FinTech)
Specialty Underwriting Engine
Reference architecture: an encrypted document portal for every party to a deal, feeding a credit engine that shows its working.
Reference architecture. It shows how TEKWROUGHT would engineer a system in this sector. It is not a client engagement, and the interface shows illustrative data.
The problem
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
Document portal
- Per-party access for borrower, broker, valuer and solicitor
- Files encrypted at rest with per-deal keys
- Every view and download logged
Credit engine
- Deterministic rules for LTV, ICR and exposure limits
- Every decision explained line by line
- Re-runs in seconds when a figure changes
Deal desk
- Pipeline from enquiry to completion
- Conditions tracking and completion packs
- Audit export for the funding line
Technology
| Layer | Components |
|---|---|
| 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 an engagement starts
A reference architecture, not a client engagement. Every engagement starts with a survey of the existing estate.
Have a system like this to modernise?
Every engagement starts with a measured survey of what you run today and a fixed fee for the work.