AI That Delivers Everything Needed to Underwriters, Fast
The process is split into four key jobs: Quote, Package, Engage, and Integrate.Â
Broker Concierge can handle all tasks involved in these jobs. The entire journey can run in minutes, with no human lender admin effort. It operates 24/7, communicates clearly, works on any channel, and integrates with any lender portal or CRM.
Quote
The Quote job begins with a broker enquiry and ends with a Decision in Principle (DIP). Broker Concierge handles every step in this process, communicating with brokers over any channel (email, WhatsApp, secure web forms, voice notes) and delivering decisions in minutes.
Here’s some examples of what Broker Concierge can do in this job.
Accept broker enquiries from any channel, including emails and voice notes.
Identify missing information and gather additional details from brokers.
Verify eligibility criteria against loan parameters.
Map data into schemas for decisioning tools like LendingMetrics ADP.
Price deals, allow brokers to make adjustments, and recalculate quotes.
Generate, send, and secure e-signatures for DIP documents.
If the broker is happy, they can flow on to the Package job.
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Package
The heavy lifting happens here. It’s the gathering, verifying, checking, and compiling all the information, evidence, and documents required to move the deal forward. Broker Concierge manages the entire process, ensuring nothing is missed and everything is ready for underwriting. They can engage with broker, borrower, and solicitors as required. They will pull together all gathered data, evidence, and communications into a clear format for underwriters, compliance, and auditors. Â
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Key capabilities include:
Generating and explaining the Shopping List of required items to brokers.
Collecting documents and information through email, WhatsApp, or secure web uploads.
Classifying documents and verifying they meet criteria (e.g., recent payslips).
Matching information on documents against borrower data (e.g. is this bank statement in the same name as the borrower).
Communicating directly with the borrower for ID verification, KYC checks, and collecting e-signatures.
Running “Speaks With” security conversations with borrowers to confirm ID, check product understanding, and other final mile lender confirmations.
Running checks through third-party services like credit reference agencies, Companies House, and land registry.
Keeping everyone informed on what’s complete, what’s missing, and what’s next.
Summarizing key loan details and check results (e.g., ID verification, KYC reports, income assessments).
Packaging evidence documents and communication trails.
Storing everything securely on Nivo’s platform with audit trails, search functionality, and filters.
Engage
Broker Concierge is trained with an incredible amount of information so it can guide a broker through all of the twists and wrinkles of a niche specialist loan.
It can handle any question, explain how to get cases to fit eligibility criteria, suggest changes, manage unlimited changes to DIPs and loan amounts mid way through the process, explain what documents are required, and provide daily updates.
Integrate
In the Integrate job, our AI agents are moving information around securely, calling actions, and ensuring everything is where your teams expect them to be.  Nivo’s AI can work seamlessly with existing lender systems, enabling staff to remain in their preferred CRM or portal while Nivo powers the underpinning communications process facing in to the broker and borrower to get things done and ensuring everyone knows the latest progress.
Examples of integration capabilities:
Passing data and documents to CRMs, portals, or decisioning tools.
Connecting with systems for Shopping List generation, credit checks, Companies House, and more.
Allowing flexible APIs to adapt to lender-specific workflows and external services.