Commercial Lending

AI‑Powered Credit Analysis

From financial statement spreading to credit memo generation — Lumi agents analyze borrower financials, assess risk, benchmark peers, and draft comprehensive credit memos with full audit trails.

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Credit Pipeline
Live
3
High Risk
9
Under Review
21
Approved
CRD-5501
Revenue decline — YoY drop 18%
High Risk
CRD-5498
Debt/EBITDA exceeds 4.5x covenant
High Risk
CRD-5495
Cash flow analysis — seasonal adj.
Review
CRD-5492
Industry downturn — sector watch
Review
CRD-5489
Credit memo approved — $12M facility
Approved
Portfolio: CRE-COMM-01
4 Agents Active
60%
Faster Memo Prep
4
Pipeline Stages
40+
Financial Ratios
100%
Compliance
Agentic Intelligence

Credit risk is multi‑dimensional.
Lumi analyzes it comprehensively.

Credit decisions require synthesizing financial statements, market conditions, covenant structures, and borrower history. Lumi agents reason through complex financial data — not just checking ratios.

40+
Financial ratios analyzed per deal
Financial Statement Spreading
Automatically spreads borrower financials from uploaded statements — normalizing line items across periods for consistent analysis.
<3s per statement
Ratio & Trend Analysis
Computes 40+ financial ratios across liquidity, leverage, profitability, and coverage — tracking trends over multiple periods.
Multi-period analysis
Peer Benchmarking
Benchmarks borrower metrics against industry peers and sector medians — identifying relative strengths and weaknesses.
Industry comparison
Covenant Compliance Monitoring
Tracks financial covenants in real time — flagging breaches, near-misses, and projected violations before they occur.
Early warning system
Risk Scoring Engine
Generates composite risk scores integrating quantitative metrics, qualitative factors, and market conditions into a unified assessment.
Holistic scoring
Credit Memo Generation
Drafts comprehensive credit memos with executive summary, financial analysis, risk assessment, and recommendation — ready for committee review.
Committee-ready
The Challenge

Credit analysis is a bottleneck

Lending teams manually spread financials, compute ratios in spreadsheets, and draft memos from scratch. Analysts spend days on repetitive data work instead of making judgment calls on creditworthiness.

Today
Manual spreading, reactive analysis
Financial statements manually entered into spreadsheets
Ratios calculated ad-hoc with inconsistent methodologies
Peer comparisons done informally, if at all
Covenant tracking via quarterly spreadsheet updates
With Lumi
Intelligent, consistent, and audit‑ready
AI agents spread statements automatically with normalized line items
40+ ratios computed consistently across every deal
Peer benchmarking against industry databases in seconds
Real-time covenant monitoring with breach prediction
How It Works

A four-stage credit pipeline

Lumi agents process each credit application through a structured pipeline — ingesting data, analyzing financials, assessing risk, and generating comprehensive memos.

1
Data Ingestion
Financial statements, tax returns, and borrower data ingested and normalized
2
Financial Analysis
AI spreads statements, computes ratios, and identifies trends across periods
3
Risk Assessment
Composite risk score generated from quantitative and qualitative factors
4
Memo Generation
Comprehensive credit memo drafted with analysis, risk factors, and recommendation
Agents at Work

Specialized agents for every credit task

A coordinated team of AI agents — each handling a distinct credit function — working together to analyze borrower risk and generate committee-ready memos.

Statement Spreader
Ingests financial statements from PDFs and spreadsheets — normalizing line items, reconciling periods, and building standardized financial models for analysis.
Ratio Analyzer
Computes comprehensive ratio suites across liquidity, leverage, profitability, and cash flow — flagging anomalies and tracking multi-period trends.
Covenant Monitor
Tracks all financial covenants in real time — calculating compliance margins, predicting future breaches, and generating early warning alerts.
Peer Benchmarker
Benchmarks borrower financials against industry peers, sector medians, and portfolio comparables — providing relative positioning context.
Risk Scorer
Generates composite credit risk scores integrating financial metrics, qualitative assessments, market conditions, and historical performance into unified ratings.
Memo Drafter
Assembles comprehensive credit memorandums — executive summary, financial analysis, risk assessment, mitigants, and recommendations — formatted for credit committee review.
Use Cases

Where Lumi excels

Built for the operational complexity of commercial lending — not generic task automation.

01
New Deal Underwriting
Automate end-to-end credit analysis for new loan originations — from statement spreading to committee-ready memo generation — in hours instead of days.
02
Annual Credit Reviews
Streamline annual portfolio reviews with automated financial updates, covenant checks, and risk re-scoring across the entire lending book.
03
Portfolio Stress Testing
Run scenario-based stress tests across the portfolio — modeling interest rate changes, revenue shocks, and sector downturns on borrower financials.
04
Covenant Compliance Monitoring
Monitor covenant compliance in real time across the portfolio — predicting breaches before they occur and generating proactive remediation recommendations.

See it in action

Walk through the full credit analysis pipeline — from statement spreading to memo generation — in our interactive demo environment.

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