Atom bank has announced the successful implementation of the Flowable process automation engine, a core technology initiative designed to redefine speed, efficiency, and scalability within the commercial lending market.
Flowable’s agentic case platform establishes a custom architecture across the bank’s operations, dramatically cutting target origination times and positioning Atom at the forefront of AI-ready lending infrastructure.
The highly customisable, proprietary capability allows the bank to break away from off the shelf offerings and paves the way for the bank to seamlessly integrate advanced AI utilities, such as AI augmented underwriting, directly into its workflow.
Redefining market speed and operational efficiency
The implementation aims to deliver immediate, material improvements across the entire commercial mortgage journey, driving significant productivity gains for Atom’s team.
Key advancements include:
- Drastic handling time reductions: Atom bank is delivering an end-to-end average handling time (AHT) reduction across commercial loan origination. To date this has included up to 30% between application and Agreement in Principle (AIP), with further reductions expected over time.
- Scaled operational capacity: A material uplift in processing capacity, allowing the bank to seamlessly scale loan volumes and manage peak market flow without requiring a linear increase in operational headcount.
- Greater resilience: The transition to the new architecture replaces manual handoffs with resilient, fully audited automated workflows, significantly mitigating operational risk.
Benefits for broker partners
For the broker community, this deployment translates directly to faster processing times, increased case transparency and an ultra-responsive service model. By eliminating tedious administrative tasks, Atom’s lending specialists can focus more time on complex case management, ensuring deals with quirks and hurdles are processed faster.
The platform provides brokers with a secure portal featuring structured, intelligent information capture tailored precisely to core decision requirements. Brokers benefit from seamless log-in facilities and real-time case tracking, removing the friction traditionally associated with commercial property financing.
Tom Renwick, Head of Business Lending at Atom bank, commented:
"An integral element of Atom's competitive position will be our ability to complete transactions faster than competitors through a combination of market-leading technology and smart process engineering. By unleashing the full potential of our team and automating repetitive processes, we are delivering a lending platform that redefines speed and efficiency in the market. Ultimately, this allows us to cultivate fiercely loyal broker advocates via exceptional user experiences and increase our market share.
“With the improved technology at our disposal, Atom is uniquely equipped to scale operations up without a proportional increase in fixed overheads. This deployment future-proofs the bank's composable architecture, ensuring it can adapt instantly to evolving broker needs and market opportunities.”
