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AI agent for credit analysts

Guarantor Global Cash Flow Agent

Produce a reconciled global cash flow and debt service coverage ratio for each guarantor

AnalysisAutomationFinance
See how it worksGet access
Guarantor Global Cash Flow Agent: what goes in, what the agent does and what you get

What it does

A guarantor owns three businesses and a rental property, and the analyst spends days merging returns and debt lists. This agent collects personal tax returns, entity statements and debt schedules. It builds a global cash flow by combining personal income, each entity's cash flow available and all personal and business debt payments. It checks that income totals reconcile to the tax returns and flags differences such as a business showing more income than the K-1. It requests missing items, such as a schedule of real estate owned, and rebuilds after they arrive. It calculates global debt service coverage. The analyst approves the result. Edge case: a distribution shown on the return but not in the statements is listed for the borrower to explain.

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 Loan request or review includes a guarantor 2 USES A TOOL Collect returns, statements and debt schedules 3 CHECKS THE RESULT Is every entity and debt accounted for? If not: List missing items and request them from theborrower. Back to step 2. 4 DOES Build global income and debt payment tables 5 USES A TOOL Reconcile income to the tax returns 6 CHECKS THE RESULT Do totals reconcile within 5 percent? If not: List the differences and request explanations orcorrections. Back to step 4. 7 DOES Calculate global debt service coverage 8 DOES Draft the summary with assumptions and flags 9 YOU APPROVE Analyst approves the result 10 RESULT Global cash flow worksheet
Read the steps as a list
  1. Loan request or review includes a guarantor
  2. Collect returns, statements and debt schedules
  3. Is every entity and debt accounted for?If not: List missing items and request them from the borrower. Back to step 2.
  4. Build global income and debt payment tables
  5. Reconcile income to the tax returns
  6. Do totals reconcile within 5 percent?If not: List the differences and request explanations or corrections. Back to step 4.
  7. Calculate global debt service coverage
  8. Draft the summary with assumptions and flags
  9. Analyst approves the resultThe agent waits here for your OK.
  10. Global cash flow worksheet

How it decides

It accepts income only when it reconciles to the returns within 5 percent. It uses the bank's standard living expense assumption.

  • Accept income only when it reconciles within 5 percent
  • Include all known personal and business debt payments
  • Apply the standard living expense assumption
  • Flag distributions not found in statements

Make it yours

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

  • Reconciliation tolerance (default 5 percent)
  • Living expense assumption (default the bank's standard)
  • Coverage minimum (default 1.20)
  • Entities included (default all with 20 percent ownership or more)

What keeps you in control

It always asks you first

  • Analyst approves the global cash flow before it is used

Hard limits

  • Never approve credit or change terms
  • Never include unsupported income
  • Keep guarantor data restricted

It stops when

  • Done: Worksheet approved
  • Stop: Documents are not provided, so hand to the lender

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 guarantor R. Iyer the agent finds 3 entities and 1 rental. The debt list omits a $1,850 monthly mortgage on the rental, so it requests the statement. After adding it the global coverage is 1.18. Income reconciliation shows $212,000 against the return's $187,000, a 13 percent difference. The borrower explains a one-time sale. The analyst approves 1.18.

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