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AI agent for credit analysts

Loan Portfolio Risk Rating Review Agent

Current, supported risk ratings across the portfolio

Risk managementAnalysisFinance
See how it worksGet access
Loan Portfolio Risk Rating Review Agent: what goes in, what the agent does and what you get

What it does

Risk ratings on a loan book go stale between reviews, and a weakening borrower can sit at a good grade for months. Each quarter this agent reviews ratings across the portfolio. It gathers the latest financials, payment history, covenant results and news for each borrower and recalculates the score from the bank's rating model inputs. It checks whether data is complete; when it is not, it requests the missing data and rescores once it arrives. Where the new score moves one grade or more, it proposes a change and lists the reasons. It flags any loan whose last review is older than 12 months. The analyst decides on every rating change and watch list addition. Edge case: a borrower pays on time but news shows it lost its largest customer, so the agent flags it for a qualitative review.

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 Quarterly review 2 USES A TOOL Pull loan list and current ratings 3 USES A TOOL Gather financials, payments and news 4 DOES Recalculate rating scores 5 CHECKS THE RESULT Is data complete for each borrower? If not: request missing data and rescore when itarrives. Back to step 3. 6 DOES List suggested rating changes with reasons 7 YOU APPROVE Analyst decides rating changes 8 RESULT Portfolio rating report
Read the steps as a list
  1. Quarterly review
  2. Pull loan list and current ratings
  3. Gather financials, payments and news
  4. Recalculate rating scores
  5. Is data complete for each borrower?If not: request missing data and rescore when it arrives. Back to step 3.
  6. List suggested rating changes with reasons
  7. Analyst decides rating changesThe agent waits here for your OK.
  8. Portfolio rating report

How it decides

It reruns the rating model inputs and flags any loan whose result moves one grade or more.

  • Score moves one grade or more: propose change
  • Last review older than 12 months: flag
  • Negative news on key customer or owner: qualitative review

Make it yours

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

  • Grade change that triggers review
  • News sources
  • Review window
  • Report format

What keeps you in control

It always asks you first

  • Rating changes
  • Watch list additions

Hard limits

  • Never changes ratings
  • Never shares borrower data outside the bank

It stops when

  • Done: report ready
  • Stop: rating model inputs 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 the Q3 review on October 8, the agent rescored 214 commercial loans. Eleven borrowers had no June financials, so the data check failed. It requested them and rescored when nine arrived. A distribution company paying on time had lost its largest customer, so the agent flagged it for qualitative review and suggested moving from 4 to 5. The analyst approved six rating changes and kept two loans on watch.

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