Credit Policy & Precedent Search demo
A new analyst asks why, and gets the bank's own credit policy, past memos and a worked example. 1:15
What the demo shows
A search solution for credit analysts that answers from the bank's policy and past memos.
Six agents answer an analyst's question beside the deal they are writing — the policy rule in force quoted at its section, how the bank has actually used it and whether those loans held up, and the test worked on the deal's own numbers — with every sentence opening at its source. The analyst writes the memo; exceptions are approved by whoever the policy names.
Transcript
- Credit Policy & Precedent Search answers analysts from the bank's own policy, past memos, and how each loan did.
- New analysts wait days for a senior, and those seniors are retiring.
- Gina asks, can we go to 80% loan-to-value on owner-occupied industrial?
- Six agents search policy, memos, and reviewers' comments.
- The rule in force says 75%.
- Every past decision sits on one scale.
- Six exceptions, none above 80.
- Three precedent cards slide in, two approved by exception, both still performing, one held to 75.
- On Kestrel's numbers, that's a $170,000 exception Renata Silva may approve.
- Priya adds the cited exception paragraph to her memo without waiting on senior staff.
- Built on Botminds: agents, data, screens, and governance on one platform.
Transcribed from the film’s narration. Captions are on the player.