Priya's Thursday, Two Ways

Priya, a credit analyst at a regional bank.

Priya starts Thursday with two files on her desk. One is a $180,000 expansion loan for Maple Street Bakery. The other is a refinance for a small trucking company. Her inbox also has three covenant questions from relationship managers, and the credit committee meets tomorrow at 9 a.m.

She opens ChatGPT and asks it to summarize three years of the bakery's income statements and balance sheets. She adds a request to list trends, red flags, and five follow-up questions. Then she uses Claude to check debt ratios, asking for debt service coverage, debt-to-equity, and current ratio from the same numbers. She pastes only the figures, not the borrower's name.

Next, she uses Gemini to review the trucking loan application and organize it into business background, repayment sources, collateral, and open items. With that structure, she asks ChatGPT to draft a credit memo for the bakery, including a clear recommendation and the numbers that support it. She edits the memo, fixes one ratio, and adds a note about a missing lease.

By 3 p.m. she has a clean draft for the committee and a list of questions for the borrower. She uses the time she won back to call the bakery owner about the missing lease and to review the covenant schedule with a relationship manager. She leaves at 5:30 for her daughter's soccer practice, with the memo ready for tomorrow.