Skip to main content

Agent · Spec in review

Credit Memo Drafting Agent

Orchestrates coordinated agents that gather, validate and analyze borrower, industry and market information to draft a policy-templated credit memo that a credit analyst then refines and owns.

Full spec in reviewAssistiveComplexity: High
The full specification - workflow, tools, guardrails, handoffs and evaluation set - is in review and will replace this page when published.

What it does

  • Assemble borrower financials, spreads, bureau and public data
  • Draft business description, industry outlook, management assessment, financial analysis, collateral and guarantor sections
  • Pre-populate risk rating rationale and strengths/weaknesses/mitigants
  • Cite every figure to its source
  • Produce a reviewer checklist of open items

Systems and data it works with

  • Moody's CreditLens / agentic credit memo
  • NCino Banking Advisor
  • Microsoft Copilot
  • Moody's Orbis entity data
  • LOS
  • Industry databases