Annual Review
Annual reviews drafted from fresh spreads, covenant history and exposure, well before the renewal date.
Why it matters
Reviews start when the renewal date is close, documents are chased late, and past-due reviews become exam findings.
How the solution handles it
Five agents schedule each review 90 days out, chase the year-end documents, compare this year to last, check the risk rating against policy and draft the review. The credit officer confirms the rating and signs the renewal.
How a review moves
Five agents schedule, chase, compare, check the rating and draft every review; the credit officer confirms the rating and signs.
What it reads, and what it hands back.
What goes in
- Year-end statements and tax returns
- Covenant test history
- Exposure and payment history
- Stock statements and CMA data (India)
- Prior review and risk rating
What comes out
- Draft annual review in your template
- Risk-rating check with reasons
- Renewal terms summary
- Past-due review list
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
every review, every month
“Target” = design goal, measured in the live solution · “Estimated” = our estimate · by-hand time = typical analyst effort reported by lenders · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
Every deal package sorted, checked for gaps and summarised the day it lands, not days later.
Financial SpreadingEvery statement and tax return spread in minutes, global cash flow built, each number cited to its page.
Credit MemoA cited credit memo drafted from the spread, the file and your policy, ready for committee in hours.
Build this
for your team.
We’ll show Annual Review running on your own documents.