Analyses credit documents and prepares the basis for the decision.
Developed in Germany · Hosted in the EU or on-premises
Delivered together with
Sovereign hosting in Germany, single-tenant from the first user.
Legal, tax and compliance expertise for legally sound deployment.
Advisory and implementation for the public sector, starting with the AI readiness assessment.
The corporate customer submits three years of annual accounts, plus the current management accounts and the trial balance. The analyst copies revenue, EBIT, equity and liabilities year by year into the scoring model's template. If a figure does not match the previous year, the search through the PDF starts all over again.
The analyst starts on the credit vote rather than on typing up figures, and the credit decision comes 40 to 60% faster.
The 40 to 60% acceleration in credit decisions is this agent's headline figure. Six key figures over three financial years are a typical set-up for a corporate application, not a measured value.
The agent reads the balance sheet, income statement and notes and extracts the six key figures for each of the three years. For every value it notes the page where it found it.
Key figures sheet for KRD-2026-0841, 18 values with page references from 3 sets of accountsThe agent feeds the key figures into the internal scoring model and checks the application details against the documents. Every discrepancy gets a field name, an amount and a reference.
Scoring log, liabilities 2.3 million euros in the notes compared with 1.9 million euros in the applicationThe agent fills in the credit vote template with key figures, scoring result and risk flags. Every value carries a page reference to its source.
votumsvorlage_KRD-2026-0841.docx, 6 key figures per year, 1 flagged discrepancyIt compiles key figures, scoring result and risk flags. Approval and rejection are signed off by the credit officer.
It reads the section III entries and the amount from the land register extract and adds both to the credit file. The mortgage lending value of the property is set by the back office, for larger properties on the basis of an external valuation.
It evaluates the documents submitted and the data in the core banking system. The credit analyst adds whatever the relationship manager brings back from the meeting to the vote herself.
Connected systems
Operations
A pilot typically runs on your own data within 6 to 8 weeks. The agent connects to your existing systems rather than running as a separate, parallel environment.
EU cloud, private cloud or on-premises. Processing is GDPR-compliant and models are never trained on your data. Details in the Trust Center.
It is based on experience from comparable projects and process benchmarks, not a commitment. We work out the realistic effect for your organisation during the assessment before the pilot.