Oper builds enterprise-grade AI for credit underwriting, helping European lenders make faster, more consistent, and fully auditable credit decisions. Trusted by 21 European clients, Oper built Herman, an agentic AI solution that automates the most time-consuming underwriting steps: retrieving and validating borrower data, mapping it to credit policy, and producing a clear recommendation that is 100% explainable. Herman is designed for the realities of regulated financial institutions with auditability and traceability in mind, so teams can understand why an outcome is suggested, review the supporting evidence, and keep human oversight where required.In practice, Herman delivers an 81% faster time-to-yes while maintaining 95% accuracy, freeing underwriting teams to focus on exceptions, risk judgment, and portfolio oversight.From an implementation perspective, Oper follows a headless, API-first architecture. This enables seamless integration into existing core systems and workflows without disruptive rip-and-replace projects, allowing banks to adopt and scale responsibly across products and markets.