AI Agents

Context

Designed for banking within the Commercial lending stack, this agent is used when preparing new or renewal credit files for SMEs and corporates. It sits early in underwriting, where financial statements need to be captured accurately and turned into the ratios and metrics the credit process relies on.

What it does

The agent reads submitted financial statements and extracts financials and ratios, producing a clean, structured view of the borrower’s results ready for the credit pack. Figures are captured from the statements and organized consistently so downstream reviewers and approvers can work from a single source of truth.

Core AI functions

The agent performs document recognition and OCR tuned for financial statements, identifies line items, and maps them into standardized fields before calculating the required ratios. It highlights low-confidence extractions and inconsistent totals for targeted review, keeping the process moving without rework.

Problem solved

Manual spreading of financials is time-consuming and error-prone, slowing credit preparation and forcing analysts to spend valuable time re-keying data.

Business impact

Faster underwriting through reliable extraction of statement data and calculated ratios, enabling teams to advance analysis rather than transcribe it.

Integration and adjacent use cases

Integration is light to moderate: ingest statements from the portal, email, or DMS and write structured outputs and ratios into the lending workflow or credit workbench; exceptions route to existing queues.

Common pairings in the same stack include:

• Business plan & use-of-funds validator (to check purpose and KPIs),

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

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

• Collateral & security package validator,

• Cash-flow & repayment capacity (DSCR), and

• Commercial lending completeness agent to ensure the file is ready for committee.