RISK OS / FIRST APPLICATION: CREDIT
Agentify the work
around a credit decision.
Bring evidence, financial analysis, memo review and follow-up into one workflow. Your credit team keeps decision authority.
See the work inside Risk OS.
Review the application, statements, debt schedule and policy together.
Open full screen
Supplied product captures, restyled for Risk OS. Synthetic cases; named systems represent intended integrations.
EVIDENCE → FINDING → ACTION
A credit finding
needs a next step.
Follow a synthetic $7.50m request. See how an unsupported addback changes coverage and creates a review action.
PROPOSED TERM FACILITY
$7.50m- Reported EBITDA
- $3.10m
- Eligible relocation
- +$0.25m
- Recurring owner compensation
- +$0.30m
- Cash taxes & maintenance capex
- $1.00m
- Annual debt service
- $1.90m
Illustrative USD case. Selected policy: C&I-2026.3.
START WITH THE EVIDENCE
The sponsor's figure
needs a policy check.
The sponsor includes recurring owner compensation as an addback. The selected policy excludes it without the required support.
A simplified reconstruction of supported demo behaviours, not a live underwriting engine.
THE FULL CREDIT JOURNEY
Origination to
capital allocation.
A five-stage direction on the same Risk OS harness. Analysis, review and monitoring form the starting scope.
Prepare evidence and analysis for a credit decision. The institution retains approval authority.
- Evidence & due diligence
- Credit assessment
- Memo & exception review
THE CREDIT STORY / 91 SECONDS
Watch the workflow.
Evidence, exceptions, follow-up, and the operating metrics to test.
Synthetic case and illustrative impact scenario. A workflow reconstruction, not a live system recording.
INDIA & THE UNITED STATES
Your institution.
Your credit process.
Start with the workflow your team needs to improve.
For banks, NBFCs and commercial lenders, agree the local evidence, policy, systems and review authority before a pilot. The example above uses US-dollar data.
Discuss a credit pilotSTART WITH ONE RISK WORKFLOW