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AI agent for credit analysts

Borrower Annual Review Package Agent

Deliver a complete, spread and compared annual review for each borrower before committee

Document handlingFinance
See how it worksGet access
Borrower Annual Review Package Agent: what goes in, what the agent does and what you get

What it does

A portfolio of 60 borrowers is due for review this quarter, and each file lacks something. This agent lists the required documents per borrower, such as financial statements, tax returns, rent rolls and insurance certificates. It requests the missing ones with deadlines and logs what arrives. When new financials come in, it spreads them into the standard format and compares them with the last review. It flags changes in key ratios, liquidity or rating drivers. It rechecks completeness before the draft and loops on gaps until the file is ready. The analyst approves the review before it goes to committee. Edge case: statements in a new format are mapped line by line and any mapping gaps are listed.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
ApprovedYes, continueYes, continueApprovedNoNo 1 STARTS WHEN 90 days before a review due date 2 USES A TOOL List required documents and what is on file 3 DOES Draft requests for missing documents 4 YOU APPROVE Analyst approves requests to the borrower 5 USES A TOOL Send requests and log documents received 6 CHECKS THE RESULT Is every required document received? If not: Send a reminder with a new deadline and flag thefile as at risk. Back to step 3. 7 USES A TOOL Spread the new financials into the standard format 8 DOES Compare ratios and trends with the last review 9 CHECKS THE RESULT Do totals tie and ratios sit within 15 percent oflast review? If not: Flag the changes and ask for an explanation.Back to step 7. 10 YOU APPROVE Analyst approves the review before committee 11 RESULT Review package ready for committee
Read the steps as a list
  1. 90 days before a review due date
  2. List required documents and what is on file
  3. Draft requests for missing documents
  4. Analyst approves requests to the borrowerThe agent waits here for your OK.
  5. Send requests and log documents received
  6. Is every required document received?If not: Send a reminder with a new deadline and flag the file as at risk. Back to step 3.
  7. Spread the new financials into the standard format
  8. Compare ratios and trends with the last review
  9. Do totals tie and ratios sit within 15 percent of last review?If not: Flag the changes and ask for an explanation. Back to step 7.
  10. Analyst approves the review before committeeThe agent waits here for your OK.
  11. Review package ready for committee

How it decides

It marks a file ready only when every document is received and spread. It flags a ratio change of more than 15 percent from the last review.

  • Treat any missing required document as a blocker
  • Flag ratio changes of more than 15 percent
  • Remind at 14 and 7 days before the due date
  • Mark files at risk when documents are overdue by 10 days

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Lead time before due date (default 90 days)
  • Ratio change trigger (default 15 percent)
  • Reminder schedule (default 14 and 7 days)
  • Required documents list (default per loan type)

What keeps you in control

It always asks you first

  • Analyst approves requests to borrowers
  • Analyst approves the review before committee

Hard limits

  • Never send requests to borrowers without approval
  • Never change a risk rating
  • Keep borrower data inside the bank systems

It stops when

  • Done: Review approved and sent to committee
  • Stop: Borrower does not supply documents, so hand to the relationship manager

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensFor Hartley Farms the agent finds 2 of 6 documents missing and requests them. On day 14 the tax return arrives, but the statement has a new layout. It spreads the statement and finds current ratio at 1.1 against 1.5 last year, a 27 percent drop. It asks for an explanation. The analyst approves the review with a note.

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