Credit Memo Agent
The Credit Memo Agent reads financial statements, management accounts, bureau reports and the application, and drafts the credit memo in your house format. It calculates ratios, tests covenants, sets out the risks and mitigants, and cites every number to its source, so analysts start from a complete draft instead of a blank page.
Ideal forCredit teams
The difference
From 1-2 days per memo to 20-30 minutes
Your credit team gets decisions to committee faster, with every memo complete and consistent.
Done by hand
1-2 days per memo
With the Vanine agent
20-30 minutes
Time returned to your team
90%
Indicative figures. We measure your own baseline in the first fortnight so the numbers you see are yours.
Analysts spend time on judgement
The spreading, ratio work and first draft are done, so analysts focus on the risks, the structure and the recommendation.
Every memo in the same shape
Each memo follows your template and credit policy, which makes committee papers easier to read and compare.
Faster decisions for clients
Applications reach committee in days rather than weeks, which matters when a competitor is offering the same client a facility.
Capabilities
A first draft of every credit memo, in your house format, before the analyst starts.
Built for credit analysts, relationship managers and credit committees at South African banks, DFIs and specialist lenders.
Ratio analysis
Spreads the financials and calculates leverage, liquidity, coverage and profitability ratios, with trends over three to five years.
Covenant review
Tests proposed and existing covenants against historical and forecast figures, and shows the headroom on each.
Memo drafting
Writes the full memo in your house template, from the business overview to the recommendation.
Bureau and conduct review
Summarises bureau reports, judgements and account conduct for the business and its principals.
Risk and mitigant analysis
Sets out the key risks against your credit policy, with the security and conditions that mitigate each one.
Cited to the source
Links every figure and statement to the page of the financials, bureau report or application it came from.
How it works
From your systems to a result you sign off
Your analyst edits and signs the memo, and the credit committee makes every decision.
Connect the places your credit files already live.
Financial statements, management accounts and applications from your origination system, and bureau reports from your providers. Already use something else? We connect that too.
- OpenAI Frontier
- Your own AI platform or models
- Microsoft 365 (Teams, SharePoint, Outlook, Excel)
- Credit origination and loan management systems
- Credit bureau data (TransUnion, Experian, XDS)
- Word credit memo templates and Excel spreading models
Runs when an application is ready for analysis, or on request in Teams, using the models your organisation approves.
A draft memo in your Word template and a spreading model in Excel, saved to the credit file.
Step by step
- 01
An application is ready for credit analysis.
- 02
The agent reads the financials, bureau reports and application.
- 03
It spreads the financials and calculates the ratios.
- 04
It tests covenants and sets out the risks and mitigants.
- 05
It drafts the memo in your house format with citations.
- 06
Your analyst reviews, edits and submits it to committee.
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.
"Spread the FY2024 to FY2026 financials"
- facility
- R45m renewal
- template
- Credit memo v8
On a model you host yourself
Run the agent on open-weight models in your data centre or private cloud. Your credit files 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 credit files stay yours.
The agent runs inside your tenancy, reads only what each task needs, and never trains on your credit files. Every step is logged so your auditors can see exactly what it touched.
Built for regulated work.
+YOUR CREDIT FILES 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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