Banking · credit teams · Prototype on public 10-K and 10-Q filings
Senior analyst time spent on spreading and drafting instead of judgement, and slower credit decisions.
One file takes about eight hours: roughly five spreading statements and three writing the memo.
About eight hours of analyst time per credit file.
Figures are re-keyed from statements, so errors slip in.
Every memo is written from scratch.
Banks want AI that helps the analyst, never one that replaces them.
AI reads the statements and documents and drafts the analysis.
Credit metrics are rated 1 to 7 by rules, so the same filing always gives the same rating.
Each number links to its source page, calculation and check.
The tool recommends a next step. The analyst decides.
Document store for borrower files
Runs in your cloud, on your servers or offline
A drafted analysis with every figure traced to its source.
Rules-based scoring gives the same rating for the same filing.
Questions about a borrower's report are answered with the page cited.
External benchmark for this kind of support (McKinsey and IACPM). Measured in a pilot.
At 8 hours per file and the 20 to 60% benchmark range. Your volumes will differ. Illustrative, built on an external benchmark. We measure your own figure in a proof of concept.
Tested on 9 public company filings: the engine found the statements, read the tables and scored the credit metrics, with each figure linked back to its page.
Built and tested on public filings, not a customer's credit files. Time savings are an external benchmark until measured in a pilot.
How we label resultsTell us about it. The first discovery call is free.