Solution
For credit analysts and underwriting teams in commercial lending: a first-draft memo in your template, every figure cited to its source page, ready while the deal is still fresh.
The problem
Numbers from spreads, facts from the application, values from the appraisal — analysts spend days transcribing what is already known before the judgment work starts.
A memo nobody can trace gets rebuilt in review. Committee time goes to checking arithmetic instead of challenging the credit reasoning.
Each analyst assembles memos their own way, so risk language, definitions, and depth vary deal to deal across the portfolio.
The product, not a promise
How it works
Borrower documents, spread outputs, bureau reports, and collateral data are pulled into one working set.
Financials are spread and normalized, with each number linked to the statement page it came from.
The agent writes a first-draft memo in your template — borrower profile, financial analysis, risk factors, mitigants.
Every figure and claim in the draft carries a reference to its source document and page.
The analyst edits, challenges, and signs the memo; the recommendation is theirs, on evidence they can verify.
Who it's for
Credit analyst
Chief credit officer
Risk / internal audit
A credit memo is mostly transcription: numbers from the spreads, ratios from the model, facts from the application, collateral values from the appraisal, risk language adapted from the last similar deal. Analysts spend days assembling what is already known before they spend hours on what actually requires judgment. This solution reverses that split. It gathers borrower documents, spread outputs, and risk signals into one working set and writes the first draft — structured to your memo template, section by section.
The difference between a useful draft and a dangerous one is verifiability. Every figure in the generated memo is cited to its source: the statement page behind a revenue number, the spread cell behind a coverage ratio, the appraisal behind a collateral value. An analyst reviewing the draft clicks through any number to the page it came from and verifies the claims that matter in minutes. Because the spreads themselves are produced 5× faster than manual spreading, the draft is ready while the deal is still fresh rather than after a week in the queue.
The platform writes the assembly; it makes no credit decision. Risk factors and mitigants are surfaced from the file as candidates, and the analyst edits, challenges, and rewrites until the memo says what they are prepared to defend in committee. Every memo is human-approved before it moves, and the final document carries its full evidence trail — which is what makes it durable in front of credit committee, internal audit, and examiners alike. Consistency improves as a side effect: every memo in the portfolio is built on the same structure, the same definitions, and the same standard of citation.
Objections, answered
Every figure in the draft is checkable against its source: the statement page behind a revenue number, the spread cell behind a coverage ratio, the appraisal behind a collateral value. The analyst verifies the numbers that matter in clicks, then signs a memo they can defend.
Drafts are structured to your template, section by section — borrower profile, financial analysis, risk factors, mitigants — using your spreading conventions and definitions. Policy-relevant issues, like a stale appraisal, are flagged in the draft rather than smoothed over.
The analyst, explicitly. The platform assembles evidence and drafts; it makes no credit decision. Risk factors and mitigants appear as candidates the analyst edits, challenges, or rejects, and every memo carries a named human approval before it moves.
Load your memo template and a recent deal file; the first draft is a review exercise, not a build project. Most credit teams are comparing generated drafts against their own memos within days and running live deals within weeks.
Watch a cited first-draft memo in your own template come together in the demo.
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