The problem
A regional bank deployed an AI underwriting assistant but saw only 18% analyst adoption after 6 months. Analysts distrusted the model's recommendations, did not know how to prompt it effectively for edge cases, and reverted to manual spreadsheet workflows under time pressure.
18% to 79% active adoption; 57% faster underwriting cycle
- How it works
- Neume conducted a 2-week assessment of analyst workflows, identified the 8 most common underwriting scenarios where AI could accelerate decisions, and built a role-specific curriculum covering prompt construction for credit memo generation, output validation techniques, and override documentation. AI champions were trained in the credit analysis team to lead ongoing adoption. Embedded co-working sprints ran for 3 weeks alongside live deal flow.
- Outcome
- Analyst adoption rose from 18% to 79% within 8 weeks. Average underwriting turnaround dropped from 4.2 days to 1.8 days. Analysts reported higher confidence in AI recommendations after learning how to evaluate and challenge model outputs systematically.