Industries/Lenders & mortgage servicers/Close Agent
Loan-level GL closelenders & mortgage servicers.
Interest income and escrow flux during rate shifts is flagged when it crosses policy thresholds on the servicing GL. Flux on interest and escrow built in spreadsheets.
Scenarios in lenders & mortgage servicers
P&I and T&I custodial accounts
Penny differences aggregate across millions of loans without strong keys. Close Agent attributes flux to rate and volume drivers where data exists.
Warehouse line counterparty onboarding
CFO approves journal entries affecting investor reporting.
Loan-level GL close
Account 6200 Professional fees moves from $375k to $517k month over month — above the 10% / $50k flux policy on the Aster Bank demo ledger.
What the agent checks
- Flux threshold by account class (percent and dollar)
- Required commentary on material accounts
- Prepaid schedule vs GL balance
- Intercompany pair balance to zero
- Suspense account aging
- Close task dependencies on calendar
How it works
- 1
Load period context
Import trial balance, prior period, and close checklist status. Map accounts to owners and materiality thresholds.
- 2
Run flux analysis
Calculate dollar and percent change per account. Flag accounts over materiality or with missing commentary from the prior close.
- 3
Explain drivers
Link large movements to sub-ledger detail, open AP/AR items, or manual journals. Draft variance narrative controllers can edit.
- 4
Propose adjustments
Suggest accruals, prepaid amortisation, and reclasses with debits and credits explicit. Enforce maker-checker before post.
- 5
Track the calendar
Update BD-minus timeline tasks as items clear. Surface blockers — unreconciled IC, open flux, pending approvals.
Questions
Loan-level detail required?
Pilots scope summary vs loan-level feeds; matching keys are agreed up front.
Investor reporting impact?
Agents propose entries; your reporting team still certifies investor remittances.
Does FinanceAI need live API access on day one?
No. Many pilots start with scheduled BAI2/MT940/CAMT.053 files and GL exports over SFTP. Read-only APIs come next once security review passes. The live demo uses the shared Aster Bank synthetic ledger.
What if Stellitron Intelligence is unavailable?
Every decision still runs through deterministic rules: amount matching, transposition checks, UBO percentage math, screening score thresholds, and flux materiality gates. Optional intelligence only improves extraction and narrative.