KREDITQ joins IBANYS

Speed to Fund, Without Loosening a Control
KreditIQ and IBANYS Partner to Cut Commercial Loan Decision Time for New York Community Banks by 75%

FOR IMMEDIATE RELEASE
ALBANY, N.Y. — September 14, 2026

ALBANY, N.Y., September 14, 2026 — KreditIQ, Inc., developer of an agentic AI platform for commercial loan underwriting, and the Independent Bankers Association of New York State (IBANYS), the trade association representing independent community banks across New York, today announced a strategic partnership. KreditIQ becomes an IBANYS associate member and preferred solutions partner, bringing governed agentic underwriting capability to member institutions through education programming, member briefings, and structured evaluation support.

The partnership addresses a widening gap in community banking. A commercial real estate renewal cycle — industry estimates place it at roughly $875 billion maturing over the next four years — is landing on institutions whose underwriting capacity hasn't scaled to match it. At a typical community bank, intake-to-decision on a commercial credit still runs 30 to 45 days, and most of that time isn't credit judgment — it's assembly work: keying financials, normalizing rent rolls, computing ratios, formatting memos, and reconstructing rationale for examiners. That cycle time is a win-rate variable in a relationship-driven market, and hours spent spreading financials are hours not spent with borrowers. For most institutions under $10 billion in assets, the conventional fixes — licensing a large-institution platform or building in-house — have been economically out of reach.

Speed Without a Control Trade-Off

The partnership rests on one proposition: community banks shouldn't have to buy throughput by relaxing discipline. KreditIQ keeps credit policy, risk appetite, and delegated authority institution-owned, enforced by construction rather than convention:

• Policy — The bank's own credit box, not a vendor's. Thresholds and authority matrices are encoded, version-controlled, and traceable to the source policy document.
• Fair lending — Native reason codes generated by the deciding model itself, meeting ECOA/Regulation B and FCRA expectations.
• Model risk — SR 11-7 as an operating rhythm: independent challenge, fairness testing on every version, shadow-mode validation before live use.
• Audit — A replayable record. Every decision can be reconstructed against the exact model and policy version that produced it, with overrides logged inline.
• Authority — Humans stay above the line. Agents handle assembly and analysis beneath delegated limits; approve, counter, and decline authority remains with the bank's credit officers and committee.

In design-partner implementations during pre-launch, institutions reduced commercial real estate renewal underwriting time by approximately 75 percent without removing a control from the workflow. Results vary by institution size, product mix, and incumbent technology stack. The platform integrates additively alongside core and origination systems — including Fiserv, Jack Henry, FIS, nCino, and Plaid environments — without a forklift migration.

Leadership

"I am thrilled to become a strategic partner and member of IBANYS. IBANYS is a great advocate for the community bank in New York State, and it has consistently given its members what they actually need — candid industry updates and rigorous, leading technology reviews. That standard is exactly why this is the right partnership. Community banks in this state are being asked to underwrite a historic volume of commercial credit with the teams they have today. Our position is that the answer is not fewer analysts, and it is certainly not thinner diligence. It is removing the assembly work from the analyst's desk while making every decision more defensible than it was before. Judgment stays with the banker. The governed layer — the reason codes, the validation evidence, the replayable record — comes with the platform."
— Mike Persichini, Chief Executive Officer, KreditIQ

"KreditIQ represents a major leap forward in streamlining the commercial loan process for community banks. Every bank wants to cut down the time spent reviewing loans, and this platform makes that possible while still keeping the banker directly involved in the review. I see it as a genuinely valuable tool for community banks to rely on throughout their loan decisioning process."
— John J. Witkowski, President & CEO, IBANYS

Availability

KreditIQ and IBANYS will introduce the partnership to member institutions through an association meeting, webinar series, or symposium, currently being scheduled. IBANYS member banks can request a scoped assessment, including an estimate built on their own volumes and product mix, at kreditiq.ai or [email protected].

About KreditIQ
KreditIQ, Inc. builds agentic AI infrastructure for commercial credit. Its Agentic Launch Pad takes commercial loan intake to a defensible credit memo in minutes through a governed layer of orchestration, prompt-governance lifecycle management, native reason codes, and a tamper-evident, replayable audit trail. Built for examiner scrutiny under OCC, FDIC, NCUA, and CFPB supervision, it runs on the institution's own credit policy and risk parameters and is built and supported by a U.S.-based development team.

About IBANYS
The Independent Bankers Association of New York State represents independent community banks across New York, supporting them through legislative and regulatory advocacy, education programming, and information for the public on community banking.

Media Contact — KreditIQ: Robert Rudolph, +1.888.464.4948, [email protected]
Media Contact — IBANYS: Stephen Rice, Director of Government Affairs & Communications, [email protected]

SR 11-7 documented · ECOA/Reg B aligned · FCRA aligned · Explainable by design · U.S.-based development

Forward-looking statements: This release contains statements regarding anticipated benefits of the partnership and platform performance. Figures cited reflect design-partner implementations during pre-launch and illustrative modeling; they are not a forecast or guarantee of results at any individual institution. Actual outcomes vary by institution size, portfolio composition, product mix, and existing technology environment. © 2026 KreditIQ, Inc.