Watch an AI agent analyse company financials, extract key ratios, flag risks, and draft a structured credit memorandum — in under 90 seconds. This is what agentic AI looks like in corporate banking.
90 sec
vs 4–6 hours manual
12
Ratios Computed
100%
Auditable Reasoning
The Opportunity
A corporate banker spends 4–6 hours drafting each credit memorandum — extracting financials, computing ratios, benchmarking against peers, flagging risks, and formatting for credit committee. Multiply across a lending book of 200+ obligors and you have thousands of analyst hours per year locked in document production, not client relationships.
85%
Time Reduction
3–5x
Throughput Increase
100%
Consistent Analysis
Try the Agent
Select a scenario below and click "Run Agent" to see the credit analysis workflow in action.
Select Scenario
Saudi Cement Co.
KSA · Materials · SAR 2.4B Revenue
Mid-cap industrial with strong cash flow but rising leverage. Seeking SAR 500M term facility for capacity expansion.
Gulf Digital Payments
UAE · Fintech · AED 890M Revenue
High-growth payments company with negative free cash flow. Seeking AED 200M working capital line.
Al-Rayan Hospitality Group
Qatar · Hospitality · QAR 1.6B Revenue
Diversified hotel and F&B group with seasonal cash flows. Seeking QAR 750M project finance for new resort development.
⚡
Select a scenario from the left panel and click "Run Agent" to watch the credit analysis unfold in real-time.
How the Agent Works
The Credit Memo Agent follows a structured reasoning chain — the same analytical process a senior credit analyst would follow, but executed in seconds with full auditability.
1. Data Ingestion
Ingests annual reports, financial statements, and industry data. Extracts structured data from unstructured documents.
2. Ratio Analysis
Computes 12+ financial ratios — liquidity, leverage, profitability, coverage — and benchmarks against sector peers.
Produces a structured credit memorandum with recommendation, conditions, and covenant proposals — ready for credit committee.
Want this agent built for your bank?
We build custom credit memo agents trained on your templates, connected to your data sources, and governed by your risk policies. Book a free 30-minute briefing to see how.