Decide faster, with the same underwriting discipline.
Credit teams lose days to gathering documents and spreading financials before a real decision. YP gives credit and lending teams private AI employees that assemble the file, spread the numbers and draft the memo, leaving the judgement call and the sign-off with your officers.
Shorten time to decisionCut manual spreadingKeep the audit trail
More files moved to decision, without cutting corners.
YP's AI employees pull the documents, spread the financials, check covenants and flag the exceptions, drafting the credit memo so officers spend their time on judgement, with borrower data masked and every step logged.
How credit & lending teams put YP to work.
File assembly & document intake
Gather and organise the credit file, and chase what's missing before it stalls the deal.
Financial spreading
Spread statements to your template and surface the ratios and trends that matter.
Covenant & policy checks
Check the deal against policy and covenants, and flag exceptions for a human.
Credit memo drafting
Draft the memo in your format, traceable to source, ready for the officer to sharpen.
Collections & workouts
Prioritise accounts, assemble the history, and draft consistent, policy-aligned outreach.
Portfolio monitoring
Watch covenants and exposures, and surface the accounts that need attention.
Every role in credit & lending, one AI workforce.
And 200+ other roles using YP to increase their productivity by 400%.