Use Case Proposal for a Corporate Lending Bank with Scalata
Credit Asset Class Management Made Easy with Scalata
As a corporate lender, your success is built on sound credit judgment and strong relationships, but both are undermined by slow, document-heavy internal processes. Your credit officers and analysts spend the majority of their time on low-value tasks: manually spreading financials, searching through lengthy credit agreements for covenants, and compiling data for annual reviews. This creates delays and leads to a reactive approach to risk management.
Step 1: Confronting the Operational Drag.
- This process friction is a direct tax on your productivity and profitability. The time spent on manual data work is time not spent on originating new deals or managing client relationships. Portfolio monitoring is periodic, not continuous, meaning you often discover credit issues after they have already become problems.
Step 2: Building the Foundation with an AI Data Core.
- Your journey starts by digitizing your institutional credit knowledge. Scalata solves this foundational problem by ingesting and understanding all your credit documentation—financial statements, appraisals, and legal agreements. Our AI extracts and structures all critical data, creating a queryable “digital twin” of every loan file.
Step 3: Activating Intelligence through Conversational AI.
- With this digital twin, your team can access information instantly. Scalata makes this new data core interactive. An analyst can ask, “What are the financial covenants for Borrower XYZ and have they submitted their Q3 financials yet?” and get an immediate, verified answer, complete with source links.
Step 4: Reaching Full Automation with Proactive AI Agents.
- The final step is to automate monitoring and reporting. Scalata brings your operation to its future-state. Our AI agents continuously monitor covenant compliance across the entire portfolio, providing early warning alerts for potential credit deterioration. Our platform can also generate first drafts of annual reviews and credit memos by synthesizing all relevant data.
The Strategic Outcome with Scalata: You migrate from a slow, document-centric process to an agile, data-driven credit management function. This enables faster and safer lending decisions, proactive risk management, and a significant increase in the productivity and strategic capacity of your team.
