AI Agents

Context

Built for banking within the SME/Corporate underwriting — financial insights stack, this agent turns standardized financials and diagnostics into a consistent, reviewer-ready credit memo. It’s used at origination and renewal so underwriters present a clear, evidence-linked narrative—without rebuilding the pack by hand—before files advance to committee.

What it does

The agent assembles a complete memo from approved sections: executive summary and facility ask, borrower profile and group structure, financial analysis (with exhibits), KPI movements and explanations, interdependency findings, market/peer context, forward view, risk assessment with mitigants, and proposed covenants and conditions. It pulls figures and charts directly from the validated sources in your workbench, inserts concise rationales beneath each exhibit, and maintains line-by-line provenance so reviewers can click from any statement to the underlying data point. Output follows your house template and style, ready for final edits and sign-off.

Core AI functions

Narrative drafting grounded in structured inputs; section templating aligned to your credit policy; exhibit generation (tables and charts) tied to standardized KPIs; reason-code summarization from prior diagnostics; cross-reference checks to keep numbers and dates consistent across sections; and provenance tagging that links every figure and sentence to its source.

Problem solved

Credit memos are often compiled manually from spreadsheets and emails, leading to inconsistent structure, copy-paste errors, stale numbers, and lengthy review cycles. Reformatting each deal consumes analyst time and obscures the evidence behind key assertions.

Business impact

Reviews move faster and become more consistent: the memo reads the same from deal to deal, numbers reconcile to source, and the rationale sits next to the exhibit that supports it. Analysts spend their time on judgment and negotiation points instead of assembly, and committees gain confidence from a clean, traceable narrative.

Integration and adjacent use cases

Integration complexity is light–moderate: the agent reads standardized statements, KPI diagnostics, benchmarks, and forecasts from your underwriting workbench or data warehouse and writes a versioned memo draft with embedded exhibits back into the same workflow; no core changes are required.

Common combinations include:

• Balance sheet extractor to standardize inputs,

• Financial mapping validator to prevent ratio drift,

• KPI trend scanner to explain movements,

• Interdependency checker to test coherence across metrics,

• KPI forecaster to provide the forward view, and

• Market pulse aligner and Market intelligence report to anchor the market context and sources the memo cites.