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Agent · Backlog

Deal Structuring & Relationship Pricing Agent

Generates alternative loan structures and risk-based pricing options showing the return-on-capital, RWA and relationship-profitability impact of each, so the RM can present data-backed alternatives rather than a single standard proposal.

Not yet specifiedAssistiveComplexity: High
This agent is in the backlog. Registered interest decides which agents are specified and prototyped next.

What it does

  • Ingest financing need, credit profile, sector, existing exposure, collateral and strategic importance
  • Generate 3-5 structure options (tenor, amortization, pricing, covenants, guarantees, SBA vs conventional)
  • Compute RAROC, RWA density and relationship profitability
  • Benchmark pricing against market and win/loss history
  • Draft proposal rationale and term-sheet clauses

Systems and data it works with

  • Pricing engines (e.g., PrecisionLender/Q2, nCino pricing)
  • Capital/RAROC models
  • Core banking relationship data
  • CRM
  • Treasury FTP curves