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Modules

Five modules. One engine. Deployed once.

Start with the module that delivers the most immediate ROI. Expand across the credit value chain without re-deploying. All modules share the same AI & Agentic Workflow Engine.

Credit Onboarding & Servicing

Loan and bond document extraction, deal setup, data structuring, amendment-aware recordkeeping, and integration into LMS. Processes the full credit event lifecycle — from initial onboarding through drawdowns, amendments, repricings, and refinancings.

✓200+ fields extracted from 500-page APLMA/LMA/LSTA agreements in under 5 minutes
✓Clause-by-clause document comparison for amendments and restatements
✓Drawdown notice validation against facility terms
✓Repricing and benchmark transition support (SOFR, SONIA, SORA, HIBOR)
✓Financial table extraction from reports and compliance certificates
✓Scanned fax, handwritten form, and multi-language extraction
✓Native Finastra Loan IQ push, API, and SFTP integration
✓Human-in-the-loop review with field-level lineage to source clause

Compliance & Risk

Covenant monitoring, waiver workflows, compliance reporting, and risk alerting. Extracts covenant terms from facility agreements and amendments, calculates financial ratios against borrower-reported financials, and flags breaches with evidence-linked provenance.

✓Quarterly covenant test automation — leverage, interest coverage, DSCR, current ratio, tangible net worth
✓Amendment-aware covenant versioning: which threshold applies on which test date
✓EBITDA add-back handling per deal-specific definitions
✓Breach detection with BREACH / NEAR_BREACH / PASS classification
✓Near-breach early warning — predict breaches 30–90 days in advance
✓Waiver workflow management with approval chains
✓Full provenance chain: source page to covenant definition to amendment history

Deal Monitoring (Project Finance & ESG)

Use of Proceeds tracking, ESG KPI calculation, sustainability performance target monitoring, and automated impact reporting for project finance and green lending.

✓Use of Proceeds tracking against ICMA-aligned eligible categories
✓Sustainability performance target (SPT) verification against contractual thresholds
✓ESG KPI automation — renewable energy %, carbon footprint, diversity metrics
✓Impact reporting: MWh generated, CO2 avoided, proceeds allocation waterfall
✓Project finance milestone monitoring tied to disbursement gates
✓ESG compliance certificate filling from annual reports

Portfolio Intelligence

Portfolio-wide analytics, concentration risk monitoring, benchmark term comparison, and covenant health dashboards across your full credit book.

✓Concentration risk heatmaps by industry, rating, geography, and collateral type
✓Benchmark term comparison — spreads, maturity, covenant packages vs. market
✓Portfolio covenant health dashboard with headroom-to-breach trending
✓Early warning list of borrowers trending toward covenant breach
✓AI credit scoring with confidence intervals and transition matrices
✓Outlier detection — flag terms that diverge significantly from comparable deals

Knowledge & Governance Hub

Searchable deal library, clause precedent management, document governance workflows, and AI-powered institutional knowledge. Make your credit operations expertise searchable and actionable.

✓Deal library indexed by structure, borrower profile, industry, and clause type
✓Clause library with taxonomy of standard and customized language across deal types
✓Precedent search — find similar syndicated loans with comparable structures
✓Document governance workflows with legal and credit sign-off for novel clauses
✓AI-powered Q&A across historical deals and policy documents
✓Analyst onboarding: annotated deal synopses with ownership charts and structure breakdowns
Phased Rollout

Need help scoping which module to start with?

We scope every pilot to your highest-volume use case. Most banks start with Credit Onboarding & Servicing and expand from there.

Request a Pilot →Platform architecture →