AI Agents

Context

Built for banking within the SME/Corporate UW — financial insights stack, this agent is used at origination and renewal to turn raw balance sheets and trial balances into a clean, standardized dataset before analysis and committee prep. It sits at the first mile of spreading, where formats vary by ERP, jurisdiction, and auditor.

What it does

The agent ingests balance sheets and trial balances (single- or multi-period), extracts line items (assets, liabilities, equity), and maps them to your standard chart of accounts. It normalizes periods, currencies, and units; reconciles subtotals; and assembles a periodized structure ready for ratio/KPI computation. Each mapped field carries a confidence score and a link back to the source page and row, so reviewers can verify any number instantly.

Core AI functions

Table detection and OCR tuned for financial statements; semantic line-item parsing (handles synonyms and local GAAP labels); account mapping to a canonical CoA; currency/unit/date normalization; roll-forward checks (opening/closing balances, retained earnings); accounting-equation validation (A = L + E); variance and outlier flags for abrupt structural shifts; and evidence lineage from every mapped value to its original cell.

Problem solved

Manual spreading is slow and error-prone. Inconsistent layouts and naming cause mapping mistakes, distorted ratios, and rework. Reviewers lack fast, reliable traceability from figures to source.

Business impact

Spreading becomes faster and more reliable: ratios and KPIs start from consistent data, rework drops, and underwriters spend time on judgment instead of transcription. The audit trail improves with field-level provenance, supporting smoother credit discussions and cleaner approvals.

Integration and adjacent use cases

Integration is light–moderate: read PDFs/Excels from portal, DMS, or data warehouse; write standardized balances into your underwriting workbench or credit pack.

Common combinations in this stack:

• Financial mapping validator (to sanity-check mappings and prevent ratio drift),

• KPI trend scanner (to explain movements over time),

• Interdependency checker (to link balance movements to sales/liquidity behavior),

• KPI forecaster (to project trajectories),

• Market pulse aligner (to benchmark against sector peers),

• Market intelligence report (to enrich credit analysis), and

• Credit memo generator (to auto-draft the narrative with exhibits).