AI Agents

Context

Designed for banking in the Commercial lending stack, this agent is used when preparing new or renewal credit files for SMEs and corporates. It sits early in underwriting to confirm that the stated purpose, KPIs, and use of funds align with policy before the case advances to financial spreading and committee.

What it does

The agent reads the business plan, purpose statement, and supporting materials (narrative, projections, capex/opex breakdowns) and validates that the use of funds is clearly itemized, time-sequenced, and consistent with the proposed purpose. It checks that KPIs are measurable and linked to the plan, verifies basic feasibility against the assumptions provided, and highlights gaps—missing line items, unclear timelines, or purpose elements that fall outside lending policy. The output is a structured set of validations with a concise rationale and links back to the exact passage, figure, or table used, so reviewers can confirm any point quickly.

Core AI functions

Document detection for plan sections (purpose, market, operations, financials); OCR and targeted field extraction for purpose/KPI and spend categories; normalization of amounts, dates, and units; cross-document consistency checks between the narrative and projections; and rule evaluation against lending policy (permitted purposes, category limits, timing constraints). Confidence scoring flags low-certainty items and generates targeted prompts (e.g., “capex item lacks implementation date,” “KPI has no baseline”), keeping the file moving while clarifications are gathered.

Problem solved

Purpose and use-of-funds are often vague or inconsistently evidenced, forcing analysts to reconcile narrative and numbers by hand. Incomplete or non-conformant plans lead to avoidable rework and late corrections before committee.

Business impact

Credit preparation moves faster and arrives better evidenced: plans are clear, policy-aligned, and reviewable in one place; rework drops; and committees see a consistent rationale tied to source material—supporting better credit decisions and smoother approvals.

Integration and adjacent use cases

Integration is light–moderate: ingest plan documents and projections from portal/email/DMS; write validation outcomes, reasons, and prompts into the lending workflow or credit workbench—no core changes required

Common combinations in this stack include:

• Financial statement analyzer (to standardize historicals and ratios),

• Legal entity & shareholding validator (to confirm structure and ownership),

• Contract & revenue stream verifier (to link projected revenue to underlying agreements),

• Collateral & security package validator (to evidence security and LTV inputs),

• Cash-flow & repayment capacity (DSCR) (to assess servicing from the plan), and

• Commercial lending completeness agent (to confirm the pack is ready for committee).