Abstract: Disclosed are various embodiments for extracting transaction and user data from financial documents and formatting the data into a structured format to facilitate a real-time analysis of the extracted data. A user may submit an unstructured formatted financial document with a credit rating request, underwriting request, and/or other type of financial risk assessment request. Text components and a table component are identified according to a structural representation of the document. The text components are analyzed to identify and extract ownership data associated with the user that can be used to verify ownership of the provided document by the submitting user. The transaction data is identified and extracted in a structured format based at least in part on a table header location and detected column boundaries. The extracted transaction data is validated to ensure an accurate extraction of the transaction data.