Credit Risk Review demo
Each commercial loan re-read every quarter and graded on the evidence in its file. 1:14
What the demo shows
A loan review solution for review teams that grades every commercial loan each quarter.
Six agents re-grade every commercial loan from its file each quarter — statements spread on the agreement's own definitions, covenants recomputed, every factor cited to its page — and the grade migration matrix shows each loan whose grade of record the file no longer supports, for a loan review officer to decide.
Transcript
- Credit Risk Review grades every commercial loan, every quarter, for a bank's loan review team.
- Today, review reads a sample once a year, so a wrong pass grade can wait a year.
- Here, agents re-graded all 1,400 loans from their files.
- 91 fall off the diagonal.
- Last year's sample plan would read only 27 of them this quarter.
- Pass 4 to substandard 7 holds 6 loans, and the sample reads none of them.
- Brennett Cold Storage certifies 1.31.
- On the agreement's terms, coverage is 0.84.
- Nora starts the review.
- Six agents cite every factor to its page.
- She agrees with substandard and sends a challenge.
- Every loan reviewed every quarter, not a yearly sample.
- Built on Botminds: agents, data, screens, and governance on one platform.
Transcribed from the film’s narration. Captions are on the player.