AI Agents

Context

Built for banking in the Commercial lending stack, this agent is used at the end of credit preparation—just before submission to credit committee or final approval. Typical scenarios include new facilities, renewals, amendments, and multi-entity deals where required documents and validations must be present, in-date, and consistent so the file can move forward without last-minute stops.

What it does

The agent reviews the lending case record and checks whether every required item is present and valid for the proposed structure: financial statements and spreads, business plan and use-of-funds, legal entity and shareholding evidence, key contracts/POs supporting revenue, collateral and insurance documents, DSCR/coverage results, and any approvals or attestations mandated by policy. It validates freshness (dates, expiries), confirms that referenced numbers and parties match the working case, and highlights specific gaps or inconsistencies with links to the exact page or field that triggered each flag. The output is a simple pass/flag dashboard plus a targeted remediation checklist so owners can close the file cleanly.

Core AI functions

Document detection and page-level completeness checks; OCR and field extraction for dates, names, identifiers, amounts, and limits; cross-document consistency checks against the case record; policy/rule evaluation to ensure the right artefacts are present for the facility type; confidence scoring that escalates only material gaps; and auto-generated clarification prompts that reference the precise rule and evidence location.

Problem solved

Committee submissions often stall due to missing, expired, or mis-matched documents. Manual “last mile” checks are slow and inconsistent, causing avoidable rework, resubmissions, and meeting deferrals.

Business impact

Files reach committee ready the first time: rework drops, approvals run more smoothly, and time-to-decision shrinks. Evidence is traceable, which supports better credit decisions and cleaner audits.

Integration and adjacent use cases

Integration is light: ingest documents from the deal room/DMS and the working case from your lending workflow or credit workbench; write pass/flag outcomes and the remediation checklist back to the same flow—no changes to cores.

Common combinations in this stack include:

• Financial statement analyzer,

• Business plan & use-of-funds validator,

• Legal entity & shareholding validator,

• Contract & revenue stream verifier,

• Collateral & security package validator, and

• Cash-flow & repayment capacity (DSCR)

So completeness checks run against standardized, validated inputs.