Oper Credits

Oper Credits BV is a Belgian company that builds software for mortgage lenders in Europe. Its current product is Herman, an "AI credit analyst" that classifies incoming documents, extracts and verifies data, applies a lender's written credit policy and assembles a decision-ready case file, flagging missing items back to the broker or branch before underwriting begins. Every step is logged and each recommendation is linked to its supporting evidence and policy reference; the lender's staff make the final decision. The company states that Herman does not perform credit scoring.

The product is positioned for regulated European lenders and is designed to run on top of an existing loan origination system rather than replacing it, with implementations described as reaching production within months. Data handling is organised around a single isolated store (the "Briefcase") inside the customer's tenancy, with customer-defined retention, an optional temporary mode that deletes data after each run, and a stated commitment that customer data is not used for model training. The company describes Herman as designed for the EU AI Act's assistive framework with human-in-the-loop oversight.

Earlier, Oper offered a turnkey, white-label SaaS mortgage origination platform for banks and financial institutions, covering the borrower journey from application through to contract. As of 2022 the company described itself as the leading provider of digitised mortgage solutions in Belgium and Switzerland with a wider European footprint. Oper Credits BV states it is neither a credit institution nor a licensed financial services provider and is not subject to prudential supervision.