Credit Paper Drafting Agent
The agent reads audited financial statements, management accounts, projections and security details, then drafts a credit application for corporate, SME or project loans in your bank or DFI credit template. It covers the borrower, purpose, financial analysis, repayment capacity, security, risks and mitigants, so your analysts start from a strong, consistent draft.
Ideal forCredit teams
The difference
From 8-12 hours per credit application to 1.5-2.5 hours
Your credit team handles more applications each month and clients receive decisions sooner.
Done by hand
8-12 hours per credit application
With the Vanine agent
1.5-2.5 hours
Time returned to your team
80%
Indicative figures. We measure your own baseline in the first fortnight so the numbers you see are yours.
Faster answers for clients
Credit papers are often the bottleneck between a client request and a credit decision. A structured first draft shortens the path to credit committee.
Consistent analysis every time
Ratios, cash flow and repayment capacity are calculated the same way for every application, so credit committees compare like with like.
Analysts focus on judgement
Your credit team spends its time on risk assessment, structuring and the recommendation, not transcribing financial statements into templates.
Capabilities
From financial statements to a complete credit paper in your template.
Built for relationship managers, credit analysts and deal teams at SA banks, DFIs such as the IDC, DBSA and SEFA, private credit funds and debt advisers.
Financial spreading
Spreads audited annual financial statements and management accounts, under IFRS or IFRS for SMEs, into your standard format and calculates key ratios.
Repayment capacity analysis
Analyses cash flow, debt service cover and gearing under base and stressed projections, including the effect of interest rate movements on funding costs.
Security assessment
Summarises proposed security such as mortgage bonds, notarial bonds, cessions of debtors and suretyships, with values and perfection requirements.
Borrower and group profile
Builds the borrower profile, group structure, directors and beneficial owners from CIPC records and KYC files, noting B-BBEE status where relevant.
Risks and mitigants
Identifies key credit risks, such as customer concentration, energy supply exposure and sector conditions, and drafts proposed mitigants and conditions.
Template completion
Populates your bank or DFI credit template, including proposed terms, covenants and conditions precedent, ready for the analyst to review.
How it works
From your systems to a result you sign off
The credit analyst reviews and owns the recommendation, and the credit committee or mandated sanctioner makes every lending decision.
Connect the places your client financials already live.
Financial statements, management accounts, projections and security documents from the deal folder or loan origination system, plus bureau and CIPC data through your subscription. 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 origination and credit workflow systems
- TransUnion, Experian and XDS, through your subscription
- CIPC and Windeed searches, through your data provider
Runs when an application is opened, or on request in Teams or OpenAI Frontier, using the models your organisation approves.
A draft credit application in your Word or system template, with a financial spread and ratio analysis in Excel.
Step by step
- 01
A relationship manager opens a new credit application.
- 02
The agent collects financials, projections and security details.
- 03
It spreads the financials and analyses repayment capacity.
- 04
It drafts the credit application in your template.
- 05
The credit analyst reviews, adjusts and finalises the recommendation.
- 06
The paper goes to the credit committee for a decision.
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 AFS into our template"
- client
- Borrower (Pty) Ltd
- facility
- R45 million
On a model you host yourself
Run the agent on open-weight models in your data centre or private cloud. Your client financials 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 client financials stay yours.
The agent runs inside your tenancy, reads only what each task needs, and never trains on your client financials. Every step is logged so your auditors can see exactly what it touched.
Built for regulated work.
+YOUR CLIENT FINANCIALS 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.
Precision AI for Institutional Workflows
