Borrower Monitoring Agent
The agent reads borrower management accounts, audited financial statements and compliance certificates as they arrive, recalculates financial covenants and checks them against the facility agreement. It tracks information undertakings and reporting deadlines, and flags early warning signs so your credit team can act while options remain open.
Ideal forCredit teams
The difference
From 3-5 hours per borrower review to 30-45 minutes
Your credit team monitors a larger book more closely and focuses on the borrowers that need attention.
Done by hand
3-5 hours per borrower review
With the Vanine agent
30-45 minutes
Time returned to your team
85%
Indicative figures. We measure your own baseline in the first fortnight so the numbers you see are yours.
Independent covenant checks
Compliance certificates are not always right. The agent recalculates each covenant from the underlying numbers and the facility definitions, so errors and optimistic adjustments are caught.
Nothing falls through the cracks
Across a large book, late management accounts, missing insurance confirmations and lapsed undertakings are easy to miss. The agent tracks every obligation and deadline.
Earlier intervention
Weakening liquidity, rising leverage and signs of distress, such as business rescue filings, are flagged early, so restructuring options remain available.
Capabilities
Spot covenant pressure and warning signs before a loan turns bad.
Built for credit monitoring teams, relationship managers, portfolio managers and agency teams at SA banks, DFIs and private credit funds.
Compliance certificate review
Reads compliance certificates and checks the borrower's calculations against the facility agreement definitions and the supporting financial statements.
Covenant recalculation
Recalculates covenants such as DSCR, LLCR, net debt to EBITDA and interest cover, and reports headroom and trends over time.
Information undertaking tracker
Tracks each information undertaking, such as management accounts, audited statements, budgets, insurance and B-BBEE certificates, against its due date.
Early warning signals
Flags signs such as declining cash, stretched creditor days, qualified audit opinions, management changes and missed deadlines.
External event monitoring
Monitors CIPC business rescue notices, Government Gazette liquidation notices and SENS announcements for events affecting your borrowers.
Watchlist reporting
Produces borrower monitoring reports and a watchlist summary for credit committee, with suggested actions such as waiver discussions or closer monitoring.
How it works
From your systems to a result you sign off
Credit managers confirm any breach, and the credit committee decides on waivers, amendments or enforcement.
Connect the places your borrower data already live.
Borrower reporting packs from a monitoring inbox or SharePoint, facility agreements, and bureau, CIPC and SENS data through your subscriptions. Already use something else? We connect that too.
- OpenAI Frontier
- Your own AI platform or models
- Microsoft 365 (Teams, SharePoint, Outlook, Excel)
- Copilot Studio
- Loan administration and credit monitoring systems
- TransUnion and Experian, through your subscription
- CIPC and Government Gazette notices, through your data provider
- JSE SENS announcements
Runs on a schedule as reports fall due and whenever a new pack arrives, or on request in Teams or OpenAI Frontier, using the models your organisation approves.
Covenant calculations in Excel, monitoring reports, a watchlist and alerts to relationship managers in Teams or Outlook.
Step by step
- 01
A borrower submits its reporting pack or a deadline passes.
- 02
The agent reads the pack and recalculates the covenants.
- 03
It checks information undertakings and external events.
- 04
It flags breaches, low headroom and early warning signs.
- 05
The credit team reviews the findings and confirms any breach.
- 06
The watchlist and credit committee reports update.
Deployment
Runs inside the tools your team already uses
The same agent and the same cited output, delivered three ways: through the AI assistant you have rolled out, on a model you host yourself, or inside your own software.
In the frontier assistant you already pay for
We publish the agent as an MCP server. Add it as a connector and your team calls it from the chat they use every day, with no new tool to learn.
"Review the July borrower packs"
- portfolio
- Mid-corporate
- month
- July 2026
On a model you host yourself
Run the agent on open-weight models in your data centre or private cloud. Your borrower data never leave your network, which keeps POPIA and data residency straightforward.
- Llama
- Mistral
- Ollama
- or any OpenAI-compatible endpoint
Inside your own software
Trigger a run from your own workflows, and push the finished output into your ERP, GRC or reporting systems. We build the integration with your team.
- REST API
- Webhooks
- Batch jobs
- Embeddable review panel
Governed the same way, every route
Whichever way your team reaches the agent, identity, permissions and audit stay with your existing controls.
- Single sign-on through Entra ID, Okta or Google Workspace
- Reads only the documents each user is already allowed to open
- Every tool call written to an audit log you can export
How we deliver it
One agent, three ways to hold it
Start where your team already works, then take it as far into your systems as the value justifies.
DATA SECURITY & PRIVACY
Your borrower data stay yours.
The agent runs inside your tenancy, reads only what each task needs, and never trains on your borrower data. Every step is logged so your auditors can see exactly what it touched.
Built for regulated work.
+YOUR BORROWER DATA NEVER LEAVE YOUR ENVIRONMENT
More agents
More agents we build for South African enterprises
Each one is built on the same foundation: your documents, your rules, and your people signing off.
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