Follow the real entity structure
Borrowers, principals, guarantors, special-purpose entities, and properties are resolved from the lender tape and documented relationships.
CRE portfolio intelligence
From lender tape to decision-ready evidence.
Fintek Sentinel resolves borrower and property relationships, reviews configured public-record sources, and returns a confidential, point-in-time Distress Signal Summary. No numeric risk score. No automated lending decision.
Built for confidential reviews by portfolio surveillance, credit risk, and special assets teams.
PortfolioIllustrative CRE review
Evidence as ofSeptember 08, 2026
ObservationDated evidence connected
Review required
- Source record
- County filing extract Available
- Entity connection
- Identifiers support relationship Corroborated
- Timing
- Within evidence cutoff Point in time
This observation does not establish payment default or prescribe a lending action.
Illustrative interface · fictional record · not a live portfolio result
01One required lender input
02Evidence is dated and attributable
03Coverage is disclosed, not implied
04The lender retains the decision
The operating problem
Important signals live outside the loan system.
Sentinel is designed to connect a lender’s known portfolio data with dated external evidence while preserving the distinction between an observed record and a credit conclusion.
Keep evidence point in time
Event, availability, and observation dates are kept distinct so later information does not contaminate an earlier review.
Show why a signal appears
Each observation carries source, match, timing, and limitation context for human review—not a black-box conclusion.
Operating model
One lender input. A governed evidence workflow behind it.
The lender supplies its tape through a secure channel. Fintek administrators configure and operate the resolution and evidence workflow; optional supplemental records are never required from the lender.
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01
Ingest
Secure lender tape
CSV or XLSX is integrity-checked, isolated to the engagement, and retained under the configured administrative policy.
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02
Resolve
Entities and relationships
Sentinel normalizes identities and follows documented borrower, principal, guarantor, and property connections.
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03
Review
Configured evidence sources
Dated records from sources configured for the engagement are evaluated against resolved entities and the selected cutoff.
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04
Deliver
Confidential signal summary
High-level observations and evidence context are presented for lender review, without a numeric score or recommended action.
Coverage is explicit. Sources and jurisdictions are defined for each engagement. “No qualifying evidence observed” means none was found within that disclosed coverage and cutoff—not that distress is absent.
Output behavior
A summary built to be reviewed, not obeyed.
Use the illustrative controls to see how the same reporting structure handles connected, unresolved, and absent evidence. Every name and record below is fictional.
Fintek Sentinel
Confidential · lender review only
Illustrative asset
Northbridge Commerce LLC
Evidence as ofSeptember 08, 2026
Dated evidence connected
A county record we found describes a lien filing involving an entity we resolved as linked to the borrower. The record is dated within the review cutoff. Its current status and relevance to the loan require lender review.
- Source
- DEMO-REC-014 · fictional county filing extract
- Entity connection
- Related entity resolved from the tape; matching identifiers support the connection.
- Timing
- Record dated September 2, 2026; within the September 8 cutoff.
- Limits
- The filing alone does not establish payment default, current distress, or a required lending action.
Privacy and control architecture
Designed for sensitive lender data.
Real identities are required for accurate entity resolution. The delivery architecture constrains how those identities enter, move through, and leave the workflow.
Restricted administration
Cloudflare Access protects the admin console and API. The public website cannot submit a portfolio review.
Isolated engagements
Runs are scoped to lender accounts, with tenant-prefixed object storage and server-side membership checks.
Upload integrity
Size-limited streaming uploads use declared SHA-256 digests and are removed if verification fails.
Auditable operations
Material run and access events are written to the control plane for administrative review.
Controlled deletion
Records remain until a Fintek administrator deletes the run under the engagement’s retention terms.
Decision separation
The output contains no numeric risk score, borrower ranking, default probability, or recommended action.
Evidence, not predictionNo automated adverse actionHuman review requiredLender retains authority
Institutional pilot
Test signal usefulness against outcomes you already know.
A historical backtest can assess whether dated evidence would have surfaced before recorded trouble, how often observations were relevant, and where coverage or matching needs improvement.
Start a pilot discussion- 01
Define the cohort and cutoff
Agree on the historical portfolio segment, known outcomes, dates, and success measures before data moves.
- 02
Establish the secure channel
Set engagement terms and issue the controlled upload path for the lender tape.
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Run a blinded comparison
Keep later outcomes separate while Sentinel resolves entities and evaluates only evidence available at each cutoff.
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Review precision and lead time
Examine relevant signals, false positives, misses, lead time, and source limitations with the lender team.
Questions from risk teams
Clear boundaries before data moves.
What does a lender need to provide?
Only its lender tape is required. Fintek administrators operate entity resolution and the configured evidence-source workflow. Supplemental records may be added by an administrator when useful, but they are not a lender requirement.
Does Sentinel produce a risk score?
No. The deliverable is a high-level, confidential Distress Signal Summary containing point-in-time observations and their evidence context. It does not assign a numeric risk score, predict default, rank borrowers, or recommend a lending action.
Does “no signal” mean a borrower is healthy?
No. It means no qualifying evidence was observed within the sources, jurisdictions, identity matches, and evidence cutoff disclosed for that review. Coverage limitations remain visible.
Who can use the admin console?
The admin console is restricted to authorized Fintek staff through Cloudflare Access. A lender can receive a one-time upload link for its tape without receiving console access.
How is a pilot evaluated?
Measures should be agreed in advance and can include evidence relevance, false-positive rate, missed known events, entity-match quality, and lead time to recorded outcomes. Production claims should follow a real, lender-approved backtest.
Fintek Sentinel
Bring a difficult portfolio question.
We’ll help define a controlled backtest around the tape you already maintain.
Contact the Sentinel team