See how the agent analyzes credit risk on a complex file — balance sheet, ratios, scoring, recommendation — in 45 seconds instead of 3 hours.
The Finance & Credit Agent is a Claude agent that prepares credit file analysis: reading financial statements, computing ratios, scoring, spotting fraud signals and drafting a reasoned recommendation. It does not decide in the analyst's place: every material file is submitted for approval, and the full reasoning is logged in LOOP™.
The agent works with credit analysts and the risk team. It takes on the data gathering, calculations and first draft of the credit memo, which take up much of the time spent on a file, and leaves the risk judgement to the analysts. It connects to your banking tools and data sources through the MCP protocol.
The application file: financial statements for recent years, tax returns, forecasts, and a description of the project and collateral. It also uses your internal rules (scoring grid, risk policy, sector limits) and the external sources you authorise it to consult to check the company and its directors.
It extracts the figures from the documents, recalculates leverage, profitability and liquidity ratios, and compares them with your policy thresholds. It looks for inconsistencies between documents and for fraud signals, applies your scoring grid and writes an analysis that explains each point. It can also consolidate a report or review a portfolio of exposures.
A structured credit memo: business summary, ratios with commentary, the score and the factors behind it, identified risks and proposed terms. Missing documents and points to check are listed at the top. The analyst starts from a prepared file and spends their time on judgement rather than re-keying data.
Extracting financial data, computing ratios, looking for inconsistencies and drafting the first version of the memo. None of these steps commits the bank.
The score, the recommendation and the proposed terms. The agent sets out its reasoning, and the credit analyst approves or corrects it before anything goes to committee.
A serious fraud signal, a file outside your risk policy or contradictory documents. The agent pauses the analysis and passes the file, with what it found, to the designated owner.
A manufacturing company applies for a credit line. The agent analyses its accounts, computes the ratios, proposes a reasoned score and prepares the memo the analyst will present.
The finance team needs a consolidated view. The agent gathers data from each entity, puts it into the expected format and flags the variances that need explaining before release.
The risk team wants an update on existing exposures. The agent reviews each line, spots those whose situation has worsened and ranks them by priority for review.
The application file: financial statements for recent years, tax returns, forecasts, and a description of the project and collateral. It also uses your internal rules (scoring grid, risk policy, sector limits) and the external sources you authorise it to consult to check the company and its directors.
It extracts the figures from the documents, recalculates leverage, profitability and liquidity ratios, and compares them with your policy thresholds. It looks for inconsistencies between documents and for fraud signals, applies your scoring grid and writes an analysis that explains each point. It can also consolidate a report or review a portfolio of exposures.
A structured credit memo: business summary, ratios with commentary, the score and the factors behind it, identified risks and proposed terms. Missing documents and points to check are listed at the top. The analyst starts from a prepared file and spends their time on judgement rather than re-keying data.
Extracting financial data, computing ratios, looking for inconsistencies and drafting the first version of the memo. None of these steps commits the bank.
The score, the recommendation and the proposed terms. The agent sets out its reasoning, and the credit analyst approves or corrects it before anything goes to committee.
A serious fraud signal, a file outside your risk policy or contradictory documents. The agent pauses the analysis and passes the file, with what it found, to the designated owner.
Deployed at Crédit Agricole CIB, the Finance & Credit Agent analyzes complex credit files autonomously — with analyst validation on critical decisions.
30 minutes to validate feasibility on your processes. No slides, no pitch — a concrete conversation.