Credit file builder
Super Agent · YP
Assembles a company’s loan application, spreads the financials and drafts the credit memo.
On every application · ran 47m ago
Run nowFinancial services
Company credit files, assembled and spread
Collects a company’s application documents, spreads the annual accounts into your own template and drafts the credit memo. Your credit analyst reviews it and the decision stays with your credit team.
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When
When an application arrives
Systems
OutlookExcelSalesforceSharePointMode
Prepares only. Your credit team decides
Problem
A company’s loan application arrives with annual accounts, interim figures, bank statements and a business plan. An analyst keys the figures into the spreading template, calculates the ratios and writes the memo. Missing documents are requested one by one.
What it does
YP checks the application against your document list, reads the financial statements and spreads them into your own template. It calculates the ratios your credit policy uses, checks them against your criteria and drafts the credit memo, each figure linked to the page it came from.
How it works
See exactly how the work gets done.
The work starts the moment a loan application arrives. A new application in your CRM or inbox starts the run, and the attached documents are read straight away.
YP checks the credit file for missing documents. The documents are compared with your list per loan type, and the loan officer receives draft requests for the missing ones.
The financial statements are spread into your own template. YP keys the balance sheet, the profit and loss and the cash flow into your spreading template in Excel.
The ratios are checked against your own credit policy. They are calculated with your own definitions and compared with your credit criteria, and exceptions are flagged.
Your credit team decides on the application. Your credit analyst reviews the spread and the draft memo. The decision is made by the people your credit policy names.
The outcome
Your credit analysts start from a complete, spread file. The judgment and the decision stay with your credit team.
01
1 spread per application
Your template, each figure linked to its page
02
Ratios checked against policy
Your own definitions and criteria, exceptions flagged
03
Credit team decides
Your analyst reviews the draft credit memo first
For your numbers
YP spreads the financials and drafts the credit memo, so your credit analysts handle more applications and borrowers get a decision sooner.
How it runs
Designed for enterprise.
Private
Runs on your infrastructure. Drawings, prices, client and claims data never train a model.
Explainable
Not a black box. An AI auditor checks that every task was done as intended and proposes improvements.
Traceable
Every value links to the document, rule or record it came from. Every step is logged. A named person approves anything that leaves the building.
Your systems
Works in your ERP, CargoWise, policy system, GIS and file shares. Nothing is replaced.
Not sure where to start?
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