Oper

Oper Credits BV builds Herman, an AI credit analyst for mortgage lending. Herman classifies documents, extracts and verifies data, applies a lender's written credit policy, and produces decision-ready cases, with each step logged and linked to its evidence. The company states that Herman does not do credit scoring and that final decisions remain with the lender's team.

The customers are regulated banks and mortgage lenders in Europe. The website names HYPO Oberösterreich, Onesto, Fundamenta-Lakáskassza, Bank Cler and Creafin as customers and says Herman runs on top of existing loan origination systems. Pricing and the revenue model are not published; the site's main call to action is booking a demo.

Oper was founded in 2018 and is headquartered in Antwerp, Belgium, with an office in Zürich according to its About page. The founders are Geert Van Kerckhoven and Wouter Lachat, and the management page lists five executives. The careers page lists seven open roles, mostly AI-native engineering, business analyst and implementation positions in Antwerp and Vienna.

Product: Herman, an AI credit analyst that handles document classification, data extraction, policy checks and case preparation for mortgage files, deployed on top of existing loan origination systems.