AI Agents

Context

Built for banking within the SME/Corporate underwriting — financial insights stack, this agent places a borrower’s KPIs in objective sector and peer context. It’s used at origination and renewal so underwriters judge performance and trends against consistent, approved benchmarks before the file advances to committee.

What it does

The agent ingests standardized borrower KPIs and aligns them to your approved peer and sector baselines, producing a benchmarked view of levels and trends with concise explanations. It highlights where the firm tracks its cohort and where it diverges, returning exhibit-ready comparisons so reviewers see what differs and why it matters—without assembling ad-hoc peer sets.

Core AI functions

It selects the correct cohort from approved references, normalizes KPIs to peer baselines, detects level and trend variances, and generates short, plain-language rationales tied to the underlying benchmark series, with exhibits ready to drop into the credit pack.

Problem solved

Manual peer checks are inconsistent and non-standardized, leading to uneven narratives and limited confidence in how performance compares to the market.

Business impact

Reviews become faster and clearer: performance is framed against objective benchmarks, discussions center on true outliers, and credit judgments are more consistent across industries and teams.

Integration and adjacent use cases.

Integration complexity is high: connect standardized KPIs from your underwriting workbench to the institution’s approved sector and peer sources, then write benchmark findings, rationales, and exhibits back to the credit pack—no core changes required.

Common combinations include:

• Market intelligence report (to enrich credit analysis), and

• Credit memo generator (to auto-draft the narrative with exhibits),

• Balance sheet extractor (upstream standardization),

• Financial mapping validator (prevents ratio drift),

• KPI trend scanner (explains movements before linkage checks),

• Interdependency checker (to link balance movements to sales/liquidity behavior),

• KPI forecaster to project KPIs with benchmark context applied.