AI in Credit Risk
Your AI Credit Analyst for faster, consistent and controlled Credit Decisions
An AI-enabled workflow ingests credit proposal, extracts and validates key deal attributes against the financial institution’s Credit Policy, and produces a traceable compliance and risk summary—highlighting exceptions and red flag.
The Head of the dedicated function can then approve, conditionally approve, escalate, or reject with consistent, audit-ready evidence.
Business Problem
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High-stakes, time-sensitive approval process based on policy compliance, credit fundamentals and potential red flags , under strong governance.
Manual review is inefficient and inconsistent.
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Unstructured information (e.g., PDFs) makes extraction and validation labor intensive.
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Insufficient traceability
Automation flow
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Trigger + intake: the flow is automatically triggered when a new credit proposal is submitted.
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Document processing: automatic extraction of key information is performed by segmenting the document in key sections.
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AI engine produces a decision recommendation with rationale, potential red flags and evidence.
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Report production: the final report is sent to the relevant stakeholders after the final review of the Head of the function.
Client value
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Efficiency gains.
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Standardized decisioning combined with improved risk reduction.
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Portfolio-level intelligence.
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Reduced manual processing.
AI Agent
The workflow can be configured as an autonomous AI Credit Analyst Agent, operating within defined approval and policy guardrails
Integrability
One of the strongest advantages of this Credit Memo Review tool is its native integrability across the Microsoft E365 ecosystem.