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AI agent for credit analysts

Credit Exception and Override Log Agent

Make sure every approved exception is tracked until it expires or is resolved.

MonitoringRisk managementComplianceFinance
See how it worksGet access
Credit Exception and Override Log Agent: what goes in, what the agent does and what you get

What it does

Credit exceptions allow a loan that breaks policy in one small way, but the conditions attached to them are often forgotten. This agent reads the exception log and checks each exception's conditions, expiry date and the loan's current performance, such as payment history, covenant status and rating. It flags exceptions due for renewal, ones where a condition was not met, and ones where the loan performs worse than expected. It drafts the report and the renewal paperwork for each case. If a condition is unclear, it checks the original approval memo and adds the missing detail. The credit officer approves the reports and any action.

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, continueApprovedNo 1 STARTS WHEN Monthly review starts 2 USES A TOOL Read the exception log and approval memos 3 DOES List each exception with its conditions and expiry 4 USES A TOOL Pull current loan performance and covenant data 5 CHECKS THE RESULT Are all conditions clearly stated and measurable? If not: return to the approval memo and fill in themissing condition. Back to step 2. 6 DOES Test each condition and performance measure 7 DOES Flag exceptions to renew, act on or close 8 DOES Draft the monthly exception report and renewalpapers 9 YOU APPROVE Credit officer approves the report and actions 10 RESULT Exception report with actions assigned
Read the steps as a list
  1. Monthly review starts
  2. Read the exception log and approval memos
  3. List each exception with its conditions and expiry
  4. Pull current loan performance and covenant data
  5. Are all conditions clearly stated and measurable?If not: return to the approval memo and fill in the missing condition. Back to step 2.
  6. Test each condition and performance measure
  7. Flag exceptions to renew, act on or close
  8. Draft the monthly exception report and renewal papers
  9. Credit officer approves the report and actionsThe agent waits here for your OK.
  10. Exception report with actions assigned

How it decides

It flags an exception that has expired, has a condition not met, or whose loan performance falls below the level assumed at approval.

  • Flag an exception 60 days before expiry
  • Flag a loan with a payment 30 days late
  • Mark a condition unmet if no evidence is on file
  • Escalate repeat exceptions for the same borrower

Make it yours

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

  • Warning period before expiry (default 60 days)
  • Late payment trigger (default 30 days)
  • Report format
  • Which exception types to include

What keeps you in control

It always asks you first

  • Credit officer approves the report
  • Credit officer approves renewal or closure of an exception

Hard limits

  • Never changes an exception or loan terms
  • Does not contact borrowers

It stops when

  • Done: all exceptions reviewed and report approved
  • Stop: the log is missing approval memos for many items

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 happensThe log held 38 open exceptions. Six were within 60 days of expiry and two had unmet conditions. For a $2.4 million loan the condition read to maintain adequate liquidity, which could not be measured. The agent went back to the memo and found a minimum cash balance of $150,000. The check then showed the balance was $90,000, so it flagged the loan. The officer approved action.

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