UC-060
AI-Assisted Underwriting & Memo Drafting
Drafts the narrative sections of a credit memo from the underwriting package, citing every figure and blocking officer-owned sections.
8-14Build Duration
0.7-3.9xIndicative ROI
The Challenge
Loan officers write credit memos from a blank page for every deal, 18-24 hours of structurally similar work each time. It stays manual because the credit judgment must remain human.
How It Works
- Builds a first-pass memo from structured intake: background, sources and uses, collateral.
- Cites every statement to a source document with click-through to the exact page.
- Blocks mission-determination and final-recommendation sections for the officer only.
What It Removes
- 18-24 hours of blank-page memo drafting per deal
- Re-typing figures already in the source documents
- Hunting for the page a number came from
Input Data RequirementsStructured underwriting intake, loan application package, financial statements, collateral documents, sources and uses
Output FormatFirst-pass credit memo with cited figures, click-through source pages, officer-only recommendation sections
“The memo arrives drafted and cited, so the ninety minutes I spend on it go to the credit judgment.”