Financial Analysis &
Reconciliation
Financial statements convert into structured data models with deterministic calculations separate from AI reasoning.
Key capabilities
What reviewers get
Reproducible figures computed outside the model
Ratios traceable to the source line item
Trends surfaced across reporting periods
Reconciliation gaps flagged automatically
Operating principle
AI proposes. Deterministic services calculate. Source documents prove. Humans decide.
How it works
A grounded pipeline that keeps calculation, policy, and human judgment clearly separated.
Ingest source documents
Credit memos, financial statements, and supporting files are parsed into structured data with full source provenance preserved.
Calculate deterministically
A deterministic calculation engine computes figures and comparisons outside the language model, so numbers are reproducible and auditable.
Reason with grounded AI
AI proposes findings only from extracted evidence and the applicable, effective-dated policy — never from unverifiable assumptions.
Route to the reviewer
Every finding arrives with its source citation and severity so a human reviewer can confirm, adjust, or dismiss it — and decide.
An illustrative finding
IllustrativeA fictional example showing how a single issue flows from source data to a reviewer decision. Figures are illustrative only.
Scenario
An analyst needs the leverage ratio verified against the borrower’s latest audited financial statements.
Extracted data
From the statement: total debt $24.0M, EBITDA $6.0M, both tagged to their source pages.
Deterministic check
Calculation engine computes Debt / EBITDA = 24.0 / 6.0 = 4.0x — reproducibly, outside the language model.
Applicable policy
Applicable policy sets a maximum leverage guideline of 3.5x for this facility type.
AI finding
AI proposes a leverage exception: computed 4.0x exceeds the 3.5x guideline.
Reviewer action
Reviewer confirms the calculation, notes the exception, and evaluates mitigants before deciding.