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AI agent for credit analysts

Borrower Tax Return to Statement Tie-Out Agent

Reconcile returns and statements so underwriting uses numbers that are consistent and explained

AnalysisQuality controlData cleanupFinance
See how it worksGet access
Borrower Tax Return to Statement Tie-Out Agent: what goes in, what the agent does and what you get

What it does

A borrower's statement shows net income of $310,000 and the tax return shows $240,000. The analyst must find out why before relying on either. This agent compares the returns with the financial statements for revenue, income, depreciation and owner draws. It flags differences above a set tolerance and tries to explain them with common reasons, such as depreciation methods, timing or non-cash items. For unexplained differences it requests an explanation from the borrower and adjusts the spread based on the answer. It repeats the tie-out after each adjustment. It produces a reconciliation sheet with each difference and its status. The analyst approves the final numbers. Edge case: a return for a different tax year than the statement is flagged before any comparison.

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
Yes, continueYes, continueApprovedNoNo 1 STARTS WHEN Returns and statements received 2 DOES Confirm returns and statements cover the sameperiod, and request the right period if not 3 USES A TOOL Extract revenue, income, depreciation and draws 4 DOES Compare each line between return and statement 5 DOES Match differences to known causes 6 CHECKS THE RESULT Are all differences under 5 percent or explained? If not: Request an explanation with documents from theborrower. Back to step 4. 7 DOES Adjust the spread based on accepted explanations 8 USES A TOOL Rerun the tie-out on the adjusted spread 9 CHECKS THE RESULT Does the adjusted spread tie within 5 percent? If not: List what is unresolved and flag the risk. Backto step 4. 10 YOU APPROVE Analyst approves the final numbers 11 RESULT Reconciliation sheet
Read the steps as a list
  1. Returns and statements received
  2. Confirm returns and statements cover the same period, and request the right period if not
  3. Extract revenue, income, depreciation and draws
  4. Compare each line between return and statement
  5. Match differences to known causes
  6. Are all differences under 5 percent or explained?If not: Request an explanation with documents from the borrower. Back to step 4.
  7. Adjust the spread based on accepted explanations
  8. Rerun the tie-out on the adjusted spread
  9. Does the adjusted spread tie within 5 percent?If not: List what is unresolved and flag the risk. Back to step 4.
  10. Analyst approves the final numbersThe agent waits here for your OK.
  11. Reconciliation sheet

How it decides

It flags any line differing by more than 5 percent and accepts an explanation only when the supporting document is attached.

  • Flag lines differing by more than 5 percent
  • Accept explanations only with documents
  • Compare the same fiscal period only
  • Document every adjustment

Make it yours

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

  • Difference tolerance (default 5 percent)
  • Lines compared (default revenue, income, depreciation, draws)
  • Spread template (default the bank's standard)
  • Explanation deadline (default 10 days)

What keeps you in control

It always asks you first

  • Analyst approves the final spread numbers

Hard limits

  • Never alter source documents
  • Never accept explanations without support
  • Keep borrower data inside bank systems

It stops when

  • Done: Reconciliation approved
  • Stop: Differences cannot be explained, so hand to the analyst for a decision

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 happensA borrower's statement shows $310,000 net income and the return $240,000, a 29 percent gap. The agent finds $52,000 of accelerated depreciation and requests support for the rest. The borrower sends a schedule explaining $12,000 of owner perquisites. After adjusting, the gap is 1 percent. The analyst approves the spread.

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