Document boarding for NPL portfolios
Organise the documents and data behind a newly acquired portfolio. Receive an inventory for each loan file, normalised records and a list of gaps; delivery is configured to your servicing system’s format.
Documents you provide
Your system asks for fields; the folder gives you PDFs. Start with the seller’s document batch, the expected inventory and the target field schema.
Read. Classify. Extract. Check.
Read the documents
Text and scanned pages, including several documents inside the same PDF.
Excerpt · pages 1–2
- Borrower
- Borrower A
- Original principal
- €8,000.00
- Nominal annual rate
- 8.00%
- Agreement date
- 15/03/2025
OCR turns scanned content into readable text.
Classify and group
Recognises each document type and associates it with the corresponding loan file.
- Loan agreementlote_248.pdf · Pages 1–3
- General termslote_248.pdf · Pages 4–5
- Account statementlote_248.pdf · Page 6
Keeps document boundaries, page ranges and the loan-file reference.
Extract the fields
Retrieves the parties, product, dates, amounts and terms, retaining source references.
- Borrower
- Borrower AAgreement · p. 1
- Product
- Consumer loanAgreement · p. 1
- Original principal
- €8,000.00Agreement · p. 2
- Nominal annual rate
- 8.00%Agreement · p. 2
- Agreement date
- 15/03/2025Agreement · p. 1
Cross-check before delivery
Against the data tape and expected document list.
Principal discrepancy
Agreement: €8,000.00 · Data tape: €7,900.00. The difference is flagged for review.
Missing assignment notice
Expected in the agreed inventory; not found in the supplied batch.
Prepare the target record
Map the extracted fields to the agreed servicing format.
| Loan file | Borrower | Principal | Status |
|---|---|---|---|
| OP-0248 | Borrower A | €8,000.00 | Review required |
Issues remain linked to the loan file. Your team reviews them before approving the load; the target format is configured for your system.
Seller’s document batch
Signed agreements, assignment notices and security documents, sometimes combined within the same PDF.
Expected inventory
The data tape and the list of documents the seller was expected to deliver, to identify gaps while they can still be raised.
Target field schema
The borrower, tax identifier, principal, dates, collateral and procedural status your servicing system requires.
What MestrIA checks
Loading the data tape alone leaves the supporting documents unchecked. MestrIA brings each file together and identifies missing evidence before your team needs it.
Rebuild the loan file
Splits the batch, identifies each document type and groups it by loan file, even when filenames provide little information.
Document the chain of title
Follows the chain of assignments, document by document, for professional verification of the current creditor.
Identify missing documents
Lists what is missing from each file so your team can raise it with the seller.
Normalise for loading
Prepares fields in the target format with the evidence behind each value.
What you receive
Two files and a list: normalised load data, its source evidence and missing items ordered by their operational impact.
The load file, including a Tallyman mapping
In the format your servicing system consumes, with fields normalised and one row per loan file. A Tallyman field mapping can be defined within scope; this is not a claim of an active integration or a ready-made connector.
The evidence
For every field loaded, which document and which page it came from, with its confidence. That is what turns a load into a load you can audit.
The gaps, in order
What is missing, in how many loan files and of what type. Ordered by what it blocks: first what stops you acting, then what is only a nuisance.
Getting started and integrations
Start with a batch. Intake channels and delivery to your system are configured for your workflow.
Choose and upload
Select the solution and upload documents from one or several case files.
MestrIA processes
Splits the batch, rebuilds each case file, documents assignments, identifies gaps and normalises the target fields.
Receive and review
Review the load file, evidence and missing-document list before raising outstanding items with the seller.
Input
Batch uploads through the platform. Email intake is configured for your team.
Output
The load file in the agreed servicing format, evidence for each field and a prioritised gaps list. Field mapping is defined within scope.
Scope and professional review
Verify the current creditor and the supporting chain of title, and decide which missing documents to request from the seller.
Review with the evidence
Each result retains its source so your team can check it against the supplied documents.
Scope of the solution
Works with the delivered batch and lists missing evidence. A Tallyman field mapping can be defined within scope; connector availability is confirmed for the project.
EU processing
Documents and their data are stored and processed in the European Union.
Try it on a batch of your own
We agree the pilot scope after reviewing a sample. Fields, checks, evaluation criteria and confidentiality terms are defined in the proposal.