Credit Memo
A cited credit memo drafted from the spread, the file and your policy, ready for committee in hours.
Why it matters
Analysts spend days copying numbers and paragraphs into the memo template, and policy exceptions surface late, at committee.
How the solution handles it
Six agents gather the file, analyse financials, collateral and guarantors, check every term against policy and draft each section in your template, every sentence cited. The credit officer edits, recommends and signs; committee decides.
How a credit request moves
Six specialist agents gather, analyse, check policy and draft every section; the credit officer edits, recommends and signs.
What it reads, and what it hands back.
What goes in
- Approved spread and global cash flow
- Deal file and term sheet
- Collateral and appraisal summary
- Credit bureau and KYC reports
- Credit policy
What comes out
- Draft credit memo in your template
- Policy exception list
- Suggested risk rating with reasons
- Committee summary
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.
Proven = in production at a development-finance lender · “Target” = design goal, measured in the live solution · by-hand time = typical analyst effort reported by lenders · agents = the live solution’s configuration
6 specialist agents. One person decides.
In production at a development-finance lender: 3× credit decisions a month and 80% of analyst time saved.In production
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.
Agreement AbstractionEvery credit agreement and amendment turned into a cited term sheet the whole bank can trust.
Build this
for your team.
We’ll show Credit Memo running on your own documents.