Early Warning
Weak signals in accounts, filings and news caught early, each with its evidence and a next step.
Why it matters
Stress shows up first in overdrafts, late certificates, new liens and news, but these sit in different systems and are seen at the next quarterly review.
How the solution handles it
Five agents watch account behaviour, filings and news, test the latest financials for trend breaks, score every signal against your watch-list rules and draft the memo with the evidence attached. The portfolio manager decides the action.
How a signal moves
Five agents watch accounts, filings and news, test the financials, score every signal and draft the memo; the portfolio manager decides the action.
What it reads, and what it hands back.
What goes in
- Account and limit behaviour
- Spreads and covenant tests
- UCC, lien and court filings
- News and rating actions
- SMA status and CRILC data (India)
What comes out
- Scored watch list with evidence
- Draft watch-list memo
- Suggested action and owner
- SMA and red-flag tracker (India)
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.
“Target” = design goal, measured in the live solution · “Estimated” = our estimate · India: SMA-0/1/2 at 1–30/31–60/61–90 days overdue; RBI fraud directions (2024) require EWS · 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 Early Warning running on your own documents.