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AI agent for credit analysts

Credit Memo Assembly Agent

A complete credit memo with numbers that match the sources

CreatingWritingFinance
See how it worksGet access
Credit Memo Assembly Agent: what goes in, what the agent does and what you get

What it does

Credit memos take days to assemble, and a number copied wrong can mislead the credit committee. For a new loan or renewal, this agent builds the memo. It pulls the spread, ratios, collateral values, guarantor information and industry notes, and fills each section. It drafts the strengths, weaknesses and mitigants from the data. It checks policy rules and lists every exception, such as an old appraisal or a loan to value above limit. Then it checks every number in the text against the source tables and confirms each section has content. When a number does not match or a section is empty, it fixes the text or asks the analyst for input. The analyst edits and signs the memo. Edge case: a collateral appraisal over 12 months old is a policy exception the agent lists.

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 Credit request ready 2 USES A TOOL Pull spread, collateral and guarantor data 3 DOES Draft memo sections 4 USES A TOOL Check policy rules for exceptions 5 CHECKS THE RESULT Do all numbers match sources and all sections havecontent? If not: correct the text or request missing input fromthe analyst. Back to step 3. 6 YOU APPROVE Analyst edits and signs the memo 7 RESULT Memo submitted to committee
Read the steps as a list
  1. Credit request ready
  2. Pull spread, collateral and guarantor data
  3. Draft memo sections
  4. Check policy rules for exceptions
  5. Do all numbers match sources and all sections have content?If not: correct the text or request missing input from the analyst. Back to step 3.
  6. Analyst edits and signs the memoThe agent waits here for your OK.
  7. Memo submitted to committee

How it decides

It fills each section from source data and tests the memo against the policy checklist.

  • Appraisal older than policy limit: list exception
  • Loan to value above policy: list exception
  • Number in text differs from table: replace with source

Make it yours

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

  • Memo template
  • Policy checklist
  • Sections to auto-draft
  • Writing tone

What keeps you in control

It always asks you first

  • Submitting the memo to committee

Hard limits

  • Never recommends approval on its own
  • Never removes listed exceptions

It stops when

  • Done: memo signed
  • Stop: key data missing

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 a $2.5 million renewal, the draft said coverage was 1.45x while the spread showed 1.38x after a restatement. The number check failed, so the agent replaced the figure and reran the check. It also found the appraisal was 14 months old and added it as a policy exception. The analyst edited the mitigants, signed the memo and submitted it to committee.

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