AI Credit Memo Generator: Automate Credit Memo Writing

Transform financial statements into credit committee memos, credit narratives, and executive summaries automatically. Our AI credit memo automation software helps credit analysts generate decision-ready memos in minutes—grounded in accurate financial data, not hallucinations.

Minutes, not hours
Grounded in accurate data
Consistent quality
Human-in-the-loop control
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AI-generated credit memo example showing executive summary and financial analysis

Trusted by leading businesses

TATA Capital
SBI Life
Bank of Baroda
CARE Ratings
Shriram Finance
HDFC Credila
ABSA Bank
IDFC First Bank
Union Bank of India
City Union Bank
Lenden Club
First Abu Dhabi Bank

The Problem

Manual credit memo writing wastes valuable analyst time

Credit analysts spend 2-4 hours per credit memo—reading financial statements, spreading data, calculating ratios, analyzing trends, and writing credit narratives. This manual process is time-consuming, inconsistent, and takes them away from higher-value credit decisions.

Hours per memo

Analysts spend 2-4 hours per credit memo, manually reviewing statements, spreading data, and crafting narratives.

Inconsistent quality

Different analysts, different styles. Memos vary in format, depth, and quality—making it harder to compare and make decisions.

Manual errors

Copy-paste mistakes, calculation errors, and missed red flags slip through when analysts are rushing or overworked.

The Solution

AI-generated credit memos with comprehensive financial analysis

Upload financial statements and our AI credit memo generator produces comprehensive credit committee memos automatically—complete with AI financial summaries, ratio analysis, risk assessments, and credit recommendations. All grounded in accurate spreading data, not AI hallucinations.

Executive summary
High-level overview with key financial metrics, business description, and quick assessment—perfect for senior leadership and credit committees.
Financial analysis
Detailed breakdown of financial performance, ratios, trends, and comparisons—automatically calculated from spreading data.
Risk assessment
Identify red flags, potential concerns, and risk factors based on financial patterns and industry benchmarks.
Credit recommendation
Clear credit decision narrative with supporting rationale—ready for review and approval workflow.

How It Works

Automate credit memo writing in 4 steps

Our credit memo automation platform combines AI financial analysis with intelligent narrative generation—built on accurate financial spreading, not guesswork.

1
Upload messy financial statements

Upload any financial statement—public or private, audited or unaudited, in 25+ languages. Our AI handles the mess: unstructured formats, scanned PDFs, buried schedules and notes.

2
Automated spreading & ratio calculation

Behind the scenes, our agentic AI extracts all data, categorizes line items to your taxonomy, and calculates financial ratios. This creates the accurate foundation for memo generation.

3
AI credit narrative generation

Our AI credit memo writer generates comprehensive narratives: executive summaries, AI financial analysis, trend identification, risk assessments, and credit recommendations—all grounded in actual spreading data, not hallucinations. Generate loan memos and underwriting memos automatically.

4
Review, edit & export

Your analysts review the generated memo, make any necessary edits or overrides, and export to Word or PDF. You're always in control—AI accelerates, humans decide.

Ready to automate credit memo writing with AI?

See how leading banks and lenders use our AI credit memo generator to produce credit committee memos, loan underwriting memos, and financial summaries in minutes instead of hours.

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Documents processed
10 million+
Insights generated
3 billion+
Man hours saved
1.2 million+

Questions? Answers.

Here are some frequently asked questions. If you have any other questions, please feel free to contact us.

How accurate are the AI-generated credit memos?

Our credit memos are grounded in accurate financial data extracted through our spreading engine. The AI doesn't hallucinate numbers—it uses actual spreads, calculated ratios, and financial patterns to generate narratives. However, we always recommend human review before finalization, which is why we built in comprehensive editing and override capabilities.

Can I customize the memo format and content?

Absolutely. You can configure memo templates to match your institution's format, branding, and content requirements. Define which sections to include, set the level of detail, specify your preferred language and terminology, and add custom fields. Your memos, your standards.

What if the AI gets something wrong or misses context?

That's why we built human-in-the-loop controls. Analysts can review every section, edit narratives, override assessments, and add contextual notes. The AI provides the first draft and saves hours of work, but your team makes the final call on every credit decision.

Does it work with both public and private company financials?

Yes. Whether you're analyzing audited annual reports from public companies or unaudited management accounts from private SMEs, our system handles both. The AI adapts to different disclosure levels, formats, and levels of detail automatically.

Which languages are supported for memo generation?

We process financial statements in 25+ languages including English, Spanish, German, French, Italian, Chinese, Japanese, and more. Memos can be generated in any of these languages, or you can analyze a statement in one language and generate the memo in another.

How long does it take to generate a credit memo?

From uploading financial statements to having a complete draft memo typically takes 5-10 minutes, depending on document complexity. This includes the time for spreading, ratio calculation, and narrative generation. Compare this to the 2-4 hours analysts typically spend manually.

Can I integrate this with our loan origination system?

Yes. We provide RESTful APIs that allow you to trigger memo generation from your existing systems, retrieve generated memos, and push them into your workflow. Integration with most loan origination systems and credit decisioning platforms is straightforward.

What credit memo sections can be auto-generated?

We can generate executive summaries, company/business descriptions, financial performance analysis, ratio analysis and trends, liquidity and leverage assessments, risk factors and red flags, industry comparisons, year-over-year analysis, and credit recommendations. You control which sections to include and their depth.

Make better and accurate decisions

Learn how AI-powered insights can help you eliminate bottlenecks and transform your organization.

G2 Reviews 5/5
Capterra Review 5/5
Google Reviews 4.7/5
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