Annual Credit Review demo
Every annual review re-underwritten with fresh numbers, riskiest first, ready for the analyst to judge. 1:14
What the demo shows
A loan review solution for credit teams that re-underwrites each loan yearly, riskiest first.
Each loan due for review opens as this year's re-underwrite beside last year's approval: ratios, collateral, guarantors and the grade, every change lit green or red. The analyst confirms or challenges what moved, so a stable credit clears in minutes and the time goes to the loans that slipped.
Transcript
- Annual Credit Review re-underwrites each loan yearly and shows credit teams only what changed.
- By hand, a review takes two days.
- Elena has 21 due, ranked riskiest first.
- Calder tops her list.
- Last year's numbers on the left, this year's column still empty.
- Six agents read 31 documents and fill this year's column line by line.
- Global cash flow drops 31%, and the suggested grade ticks from 4 to 6.
- By the agreement, leverage is 3.03, a breach the certificate called a pass.
- She confirms or challenges each change.
- A stable credit like Oakmere clears in minutes.
- The review writes only what moved.
- She signs, Ruth approves, hours not days.
- Built on Botminds: agents, data, screens, and governance on one platform.
Transcribed from the film’s narration. Captions are on the player.