AI Agents

Context

Built for banking within the SME/Corporate UW — financial insights stack, this agent is used after spreading/mapping and initial diagnostics to provide a forward view of KPIs before the file advances to committee. It’s applied at origination and renewal so underwriters can ground decisions in an outlook informed by both historical performance and current market signals.

What it does

The agent analyzes recent KPI history and ingests approved market inputs to predict KPI evolution over the review horizon. It produces a concise outlook for the key measures used in credit (growth, margins, working-capital behavior, liquidity/leverage coverage, cash conversion), and returns an exhibit-linked summary that shows the projected path and the signals that informed it. The focus is an explainable forecast, not a black box—so reviewers can see what drove the view.

Core AI functions

Time-series construction from standardized KPIs, alignment of historical trends with market indicators, and generation of an explainable forward trajectory with short rationales and links to the underlying series used.

Problem solved

Credit packs often lack a forward-looking perspective or rely on ad-hoc spreadsheets with inconsistent assumptions. That creates rework and limits confidence in how KPIs might behave under near-term conditions.

Business impact

Underwriters gain a proactive view of performance, enabling earlier course-corrections, more credible stress considerations, and clearer resilience checks—supporting faster, better-evidenced decisions.

Integration and adjacent use cases

Integration complexity is high: connect to your standardized KPI outputs and the approved market signal sources your institution uses; write the forecast series and explanations back to the underwriting workbench or credit pack.

Common combinations in this stack:

• Balance sheet extractor,

• Financial mapping validator,

• KPI trend scanner,

• Interdependency checker,

• Market pulse aligner,

• Market intelligence report, and

• Credit memo generator.