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Municipal Credit Analysis demo

Spreads ACFRs, official statements and disclosure notices into credit metrics for muni teams 1:33

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Spreads ACFRs, official statements and disclosure notices into credit metrics for muni teams

The credit file opens on a flow-of-funds cascade drawn from the bond's own resolution: gross revenues, operations and maintenance, net revenues, senior and subordinate debt service, reserves, each step with its audited number and page pin, and coverage against the rate covenant at the bottom. Ten-year sparklines for coverage, liquidity, pension and fund balance run alongside, and the agents' conversation sits beside it. The Disclosure Watcher reads every filing for each held obligor and flags late ones; the Spreading agent fills the sector template; the Pledge agent maps the numbers to the resolution; the Checker ties every figure to audited totals; the Pension agent explains liability changes; the Credit Writer drafts the view. The analyst questions, stresses and submits; a senior analyst approves; nobody approves their own view.

Transcript

  1. Municipal Credit Analysis turns annual reports and disclosure notices into credit metrics for muni teams.
  2. $4.5 trillion of munis are outstanding.
  3. Most filings are still read by hand.
  4. Elena covers 486 obligors.
  5. One credit view needs her.
  6. The Pledge agent drew Harlow Ben's flow of funds from its bond resolution.
  7. Each step is pinned to its page.
  8. Net revenues, $48.6 million.
  9. Coverage, 1.84 times against a 1.25 covenant.
  10. The pension agent explains a 22% pension jump.
  11. The watcher caught a late filing that the new offering leaves out.
  12. Elena stresses revenues, adds a note, and submits a negative outlook.
  13. Marcus approves with a reason code.
  14. No one signs their own view.
  15. Every figure cited, every view signed twice, every step logged.
  16. The result, every held obligor spread yearly, about 500 per analyst.
  17. Built on Botminds: agents, data, screens, and governance on one platform.

Transcribed from the film’s narration. Captions are on the player.