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Agents for the lending desk.
22 agents prepare the work on this desk; your people decide.
The desk today.
A loan file passes through many hands: intake, statement analysis, the appraisal note, pricing, policy checks, legal and valuation reports, the sanction letter, security and disbursal.
Most of the time goes on reading, checking and chasing, not on the credit decision itself.
Retail credit operations
Retail and MSME loan files, from application to disbursement.
- L1
Loan File Orchestrator
Runs each retail and MSME loan file from application to disbursement, and routes every decision to the right authority.
- L1
Document Intake and QC
Sorts and reads KYC, income, business and property documents, and drafts the list of what is missing.
- L1
Cash Flow and Statement Analyser
Reads statements, GST and tax returns, cross-checks income and flags risky patterns, with workings shown.
- L1
Credit Appraisal Note Drafter
Drafts the appraisal note from the file, the scorecard and the policy, with deviations listed.
- L1
Policy and Deviation Checker
Checks each proposal against credit policy and pricing, and names who may approve each deviation.
- L1
Legal and Technical Report Reviewer
Reads legal and valuation reports against the bank’s norms and drafts the queries that close each gap.
- L2
Sanction to Disbursement Tracker
Tracks conditions and documents after sanction and builds the pre-disbursement checklist.
- L1
Disbursal Execution Preparer
Prepares the disbursal instruction once a person has cleared every condition, and posts it only after the disbursement authority approves it on a card.
- L2
Post-disbursement Tracker
Tracks what a disbursed loan still owes, from deferred documents to insurance, and drafts the chasers.
- L1
Pre-approved Offer Builder
Turns eligible-customer lists into draft pre-approved offers, with consent and do-not-call checks.
Corporate and MSME credit
Corporate and mid-market credit files: memos, pricing, documents, early warning and workouts.
- L1
Credit File Orchestrator
Runs each corporate and mid-market credit file, from new limits and renewals to annual reviews.
- L1
Financial Spreading
Spreads financial statements into the bank’s template and computes the ratios, with formulas shown.
- L1
Borrower Research and News
Builds a cited borrower profile: group, promoters, filings, ratings and adverse news.
- L1
Corporate Credit Memo Drafter
Drafts the credit memo for working capital and term loans, with proposed terms marked for decision.
- L2
Covenant and Early Warning Monitor
Recomputes covenants and drawing power from periodic submissions and raises early-warning alerts.
- L1
MSME GST Limit Analyst
Sizes MSME working-capital limits from GST returns and bank statements, with the calculation shown.
- L1
Loan Document and Sanction Terms Checker
Checks loan and security documents against the sanction letter and lists every exception.
- L1
Credit Scenario and Pricing
Runs base and stress scenarios, scores the borrower on the bank’s own model and proposes risk-adjusted pricing, with every formula shown.
- L1
Sanction Letter and Agreement Drafter
Drafts the sanction letter and loan and security agreements from the bank’s templates, and flags each non-standard clause for legal.
- L2
Collateral Registration Tracker
Tracks the creation, registration and perfection of each security, and drafts the loan system update for a maker.
- L1
Early Warning Orchestrator
Combines covenant signals, account conduct, market data and news into one risk score per borrower, and proposes mitigation.
- L1
Corporate Workout Analyst
Sets out restructuring options for a stressed account within the bank’s policy, with recovery scenarios and draft amendments.
Where a person decides.
Agents prepare, check and propose. These stay with your people, approved on a card in the room.
- Sanctioning, declining or renewing a limit
- Approving a deviation from policy
- Approving a rating or a price
- Clearing a title or accepting a valuation
- Waiving a document or a condition
- Issuing a sanction letter
- Releasing funds, on the exact instruction
- Setting an account’s early-warning status
- Agreeing a restructuring
What’s available.
Agents
22 agents installed in the console, reading documents and your knowledge base, drafting and proposing.
Available nowRooms and approvals
A room for the desk, with approval cards for the people who decide.
Available nowYour systems
Connectors to your systems for this desk, through OpenAPI or MCP.
Per deployment
A pilot on this desk.
Start with one loan product: its recent files on anonymised documents, with your credit officers in the room.