Replaced manual loan workflows with a custom platform for a Danish lender

UdenomBanken is a Danish property credit company that has traded mortgage deeds with institutional investors for over a decade, serving borrowers who cannot or prefer not to finance through traditional banks.

The team needed a digital platform to replace the manual workflow their agents used to process applications, run credit checks, generate documents, and manage cases through to settlement.

• Loan applications were processed manually in spreadsheets and email, slowing down case turnaround.
• Agents pulled property, tax, and identity data from multiple Danish registries by hand.
• Loan documents and amortization plans were drafted manually for every case, with high error risk.
• Case status, communications, and documents were spread across disconnected tools and inboxes.
• Accounting entries had to be re-keyed into e-conomic, creating reconciliation gaps and delays.

1. Mapped the full case lifecycle first

Worked with UdenomBanken's agents to document every state a loan moves through, from application to rectification and settlement, before writing code. The platform was designed around how agents actually work, not a generic CRM.

2. Built around Danish regulatory infrastructure

The platform had to plug directly into Tinglysning, OIS, CPR, SKAT, NemID, and e-conomic. We treated these integrations as core architecture, not add-ons, so agents never have to leave the system to complete a case.

3. Phased delivery tied to business priorities

Released the loan calculator, application intake, and case management first so UoB could move live applications onto the platform immediately. Document generation, SKAT integration, accounting sync, and reporting followed in subsequent phases.

4. Designed for sensitive financial data from day one

Encrypted storage, role-based access for agents, accountants, and lawyers, NemID-based client authentication, and automated personal-data wiping after retention periods were built into the platform from the start.

Platform & Case Management

• Web-based loan application and case management platform
• Multi-stage case workflow from application to settlement
• Role-based access for agents, accountants, lawyers, and admins
• Real-time case search, filtering, and concurrent-edit handling
• Full audit trail of every change to a case

Loan Origination & Calculations

• Public loan calculator embedded into the WordPress site
• Multi-step loan application form with auto-save
• Automated initial validation and rejection rules
• Aggregated financing-need checks across multiple loans
• Payment schedules, fees, and commission calculations

Document Generation & E-Signature

• Template-based generation of 25+ loan and legal documents
• Macro engine for case, property, debtor, and investor fields
• Tag-based document compilation into signed packages
• Esignatur integration with status tracking per signer
• Secure tokenized download links for clients and investors

Integrations & Data

• Tinglysning.dk for property, loan, and easement records
• OIS, CPR, and SKAT via iDQ and Rovsing SKAT Broker
• DAWA for postal address autocomplete
• e-conomic sync for invoices, credit notes, and payments
• Zendesk for workflow, Twilio for SMS, Basisbank for consumer loans

UdenomBanken moved its entire loan origination process onto a single platform that handles application intake, credit assessment, document generation, e-signature, and accounting in one connected workflow. Agents now process cases end-to-end without leaving the system or re-keying data into spreadsheets.

Business Impact

• Faster turnaround from application to loan settlement
• Reduced manual work for agents, lawyers, and accountants
• Centralised case data, communications, and documents
• Automated property, tax, and identity lookups from Danish registries
• Direct integration with e-conomic accounting and Esignatur signing