Credit Memo Compass
AI writes the memo. It never writes the number.
An analyst uploads borrower financials; the platform extracts and spreads them, computes the standard ratios in a deterministic engine, drafts the memo narrative grounded in approved precedent, routes it through review and approval, and exports an examiner-ready deliverable with a full audit trail. It runs inside the bank's own tenant, or fully air-gapped.
The shortlist.
- 01Cardinal rule: the model never produces or restates a figure; a function cannot hallucinate a ratio
- 02The rule is instructed and then independently verified against the exact figures the model was shown
- 03Any untraceable number flags the section for human review and lands in a numeric-integrity attestation
- 04Deterministic calc engine and compliance tests run with zero external dependencies
- 05Provider-agnostic LLM gateway: in-tenant Azure OpenAI, or self-hosted for air-gapped deployment
- 06Fair-lending and adverse-action handling built into the decision path
- 07Runs cloud-tenant, on-prem, or air-gapped identically
Capabilities, in plain language.
Extract and spread
Drop in a borrower's financials and the platform detects the borrower and populates the spread. Extraction is provider-abstracted so the document service can be swapped or removed entirely.
Deterministic math
Every financial figure is computed in the calc engine and passed to the drafting layer read-only. The regulated core is verifiable in isolation, without installing a single dependency.
Grounded drafting
The narrative is written from your own credit policy and approved precedent, then checked: every number in every drafted section is traced back to a figure the model was actually shown.
Review, approve, export
Route the memo through review and approval, then export an examiner-reproducible deliverable carrying its own numeric-integrity attestation and full audit trail.
A look around.
The commercial credit dashboard with total requested exposure, active credit files, in-review and decisioned counts.
The precedent library that grounds memo drafting in approved prior language.
The compliance surface covering fair-lending and adverse-action requirements.
AI-assisted government procurement, from discovery to submittable response.