How lending teams prepare a credit file with AI agents
Lending teams get a complete, consistent credit file for every application, with the numbers pulled, the ratios worked and the exceptions flagged, before an analyst opens it.
Challenge
A credit decision starts with hours of assembly: accounts in three formats, bank statements, a business plan, the last review. Analysts spend most of the time collecting and re-keying, and every file is assembled a little differently, so the review is slower and harder to compare.
Solution
A cloud agent reads the application pack, extracts the figures into your own template, works the ratios against your lending policy and flags anything outside it. It drafts the credit memo in your structure, with every figure linked to its source page. The analyst reviews, edits and decides. Nothing is written to the core system without a person.
Result
Every file assembled the same way in minutes, exceptions visible before the analyst starts, and the source of every number one click away. The decision stays with the analyst.
What the agent does
Facility review: Harbour Lane Ltd, £250k. Read the accounts and bank statements, Extract the figures into the template, Work the ratios against policy, Flag the covenant breach, Draft the credit memo, Analyst decision. Decided by Tom, Credit.