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AI agent for credit analysts

Early Warning Watchlist Agent

Surface borrower stress early with clear causes and track whether it resolves

MonitoringRisk managementFinance
See how it worksGet access
Early Warning Watchlist Agent: what goes in, what the agent does and what you get

What it does

A borrower starts paying 20 days late and a news item reports layoffs, but nobody connects them for three months. This agent reads payment history, news and ratios each week, and scores each borrower against thresholds, for example late payments, falling coverage or a covenant close to breach. It builds a watchlist ordered by score, with the causes in plain words and links to evidence. It checks each flagged item the next cycle to see whether it resolved, such as a late payment brought current, and updates the score. It drops items that clear and escalates ones that worsen. The analyst approves any rating change. Edge case: news about a similarly named company is checked against the borrower's address and industry before it counts.

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, continueApprovedYes, continueNoNo 1 STARTS WHEN Weekly scan 2 USES A TOOL Pull payment history, ratios and covenant status 3 USES A TOOL Search news for each borrower 4 CHECKS THE RESULT Does each news item match the right company? If not: Check address and industry and discardmismatches. Back to step 3. 5 DOES Score each borrower against the thresholds 6 DOES Build the watchlist with causes and evidence 7 YOU APPROVE Analyst approves any rating change 8 USES A TOOL Rescan the flagged borrowers next cycle 9 CHECKS THE RESULT Did each flagged issue resolve? If not: Raise the score and escalate to the analyst.Back to step 5. 10 RESULT Updated watchlist
Read the steps as a list
  1. Weekly scan
  2. Pull payment history, ratios and covenant status
  3. Search news for each borrower
  4. Does each news item match the right company?If not: Check address and industry and discard mismatches. Back to step 3.
  5. Score each borrower against the thresholds
  6. Build the watchlist with causes and evidence
  7. Analyst approves any rating changeThe agent waits here for your OK.
  8. Rescan the flagged borrowers next cycle
  9. Did each flagged issue resolve?If not: Raise the score and escalate to the analyst. Back to step 5.
  10. Updated watchlist

How it decides

It adds a borrower to the watchlist when its score passes a threshold, and removes it after two clean cycles.

  • Flag payments more than 15 days late
  • Flag coverage below the covenant plus 10 percent cushion
  • Remove a borrower after two clean cycles
  • Discard news that does not match the borrower's identity

Make it yours

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

  • Score threshold (default 60)
  • Late payment limit (default 15 days)
  • Clean cycles to remove (default 2)
  • Scan frequency (default weekly)

What keeps you in control

It always asks you first

  • Analyst approves any rating change or watchlist action

Hard limits

  • Never change a rating without approval
  • Never rely on news without matching the company
  • Keep watchlist access limited

It stops when

  • Done: Watchlist current and reviewed
  • Stop: Data feed fails, so hand to the analyst

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 happensOn Monday the agent flags Delta Freight: two invoices paid 22 days late and a news story about a lost contract. Its score rises from 38 to 71 against a 60 threshold. The next week one invoice is current but the covenant ratio falls to 1.18 against 1.15. It escalates. The analyst approves a downgrade to the watch rating.

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