Risk Rating
Consistency
Identify misalignment between credit narrative, borrower performance, risk factors, and assigned rating.
Key capabilities
What reviewers get
Narrative and performance compared side by side
Rating rationale checked for consistency
Deterioration signals surfaced with evidence
Findings framed for reviewer discussion — not auto-applied
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
A credit narrative describes “stable and improving” performance while the financials show two quarters of decline.
Extracted data
Narrative language: “stable, improving.” Financials: revenue and EBITDA down across the last two quarters.
Deterministic check
Calculation engine confirms a period-over-period decline in key metrics from the source statements.
Applicable policy
Rating methodology expects the narrative and performance trend to support the assigned rating.
AI finding
AI proposes a consistency flag: narrative tone diverges from the measured downward trend.
Reviewer action
Reviewer weighs the evidence and decides whether the rating warrants reassessment — the platform never changes it automatically.