Uptiq's Underwriting Superagent drafts the credit memo on your template, pulls every figure from the documents already in the file, applies your credit policy, and cites each number back to the page it came from.
63% reduction in credit memo prep time. Your analysts keep the risk rating and the recommendation — the agent takes the assembly.
Commercial & industrial facility — draft
Illustrative structure. Section order, headings and house language are configured to your institution's memo template.
Reduction in credit memo preparation time
Reduction in underwriting cycle time
More deals per underwriter
Extraction accuracy, certified by former underwriters
The credit memo is the most-read document in commercial lending and the least standardized. Every analyst has a slightly different structure, a different depth of analysis and a different way of getting to the same recommendation.
Statements are spread by hand, ratios recalculated in a side sheet, prior memos cannibalized for structure, and paragraphs retyped from documents already sitting in the credit file.
“we need minimal touch points” — Head of Lending
When two memos present the same facility differently, reviewers spend the meeting locating the numbers and reconciling definitions instead of debating the credit.
“application all the way to boarding with quality control stops”
A request outside policy is often identified in review rather than at write-up, which pushes rework back onto the analyst and adds a full cycle to time-to-yes.
“automate most of that underwriting based on what we give as policy”
A domain-trained agent that reads the credit file, does the arithmetic, writes the evidence-bound sections in your house structure, and hands your analyst a complete draft to challenge rather than a blank template to fill.
63% less time on memo preparation and 41% off the underwriting cycle, because the draft exists before the analyst opens the file.
Identical structure and section order across analysts and deal types means reviewers land on the risk question immediately.
Each figure carries a citation to its source document and page, so review and examination follow the evidence rather than the author.
Roughly 3× more deals per underwriter, with analyst hours spent on structure, mitigants and the recommendation.
The split is deliberate. Sections that resolve to evidence are drafted and cited. Sections that resolve to judgment are yours.
Section numbering, headings and depth are configured to your institution's template. The agent does not invent a memo format — it writes into the one your committee already reads.
Writes into your memo template, section order, headings and house phrasing rather than producing a generic write-up.
Spreads statements, tax returns and rent rolls at 95%+ extraction accuracy, certified by Uptiq's knowledge team of former underwriters.
Applies your credit policy as tested rules so the narrative reflects your thresholds, not a vendor's default ratio library.
Each figure traces to the document and page it came from, with inputs and timestamps retained for review and examination.
Identifies requests outside policy at write-up, names the relevant provision, and surfaces it in the memo instead of in committee.
Calculates DSCR, leverage, fixed charge coverage and collateral ratios against proposed covenant levels as part of the draft.
Review points are placed where your process needs a human sign-off, so standardization does not mean unattended approval.
100+ native integrations across cores, loan origination systems and document repositories. Private-cloud deployment available.
Covenants written into the memo carry forward to the Continuous Monitoring Superagent, so the book is watched on the same terms it was approved on.
Five steps, running on every deal in the same order.
The agent picks up statements, tax returns, appraisals, rent rolls, entity documents and the term sheet from your document repository or LOS.
Financials are spread into your standard template and the ratios your policy tests are calculated, with each input tied to its source page.
Thresholds, coverage minimums, concentration limits and eligible collateral rules are applied, and anything falling outside them is flagged as a policy exception.
The evidence-bound sections are written into your template in your house structure, each figure carrying a citation back to the document it came from.
Your analyst challenges the draft, writes the rating rationale and the recommendation, and the memo goes to committee in the same shape as every other one.
A credit memo, also called a credit approval memorandum or credit write-up, is the internal document that presents a commercial loan request to the approving authority. It sets out the transaction and structure, the borrower and guarantor analysis, spread financials and trend commentary, ratio and covenant testing, collateral position, industry context, identified risks and mitigants, any policy exceptions, the assigned risk rating and the recommendation with conditions. It is the record the approval decision rests on and the document an examiner reads afterwards.
Yes. The agent is configured to your institution's memo template, section order, headings and house language rather than producing a generic write-up. Standardization means every analyst's memo arrives at committee in the same structure, with the same sections populated in the same order, so reviewers compare risk instead of reconciling formats.
Your credit policy is configured into the agent as tested rules: ratio thresholds, minimum coverage levels, concentration limits, eligible collateral and required conditions. The agent applies those rules when it drafts, flags any request that falls outside them as a policy exception, and identifies which policy provision the exception relates to — so the exception is surfaced in the memo rather than discovered in committee.
Every figure originates in a source document the agent has processed: borrower financial statements, tax returns, rent rolls, appraisals, borrowing base certificates and the credit agreement. Extraction is certified at 95% or better accuracy by Uptiq's knowledge team of former underwriters and bankers, and each value in the draft memo is cited back to the document and page it came from, so a reviewer or examiner can trace any number to its origin.
No. The agent drafts the evidence-bound sections of the memo — the sections that consume the most time and produce the least differentiation. The risk rating rationale, the judgment on mitigants and the recommendation stay with your analyst and your approving authority. Institutions using this approach report roughly three times the deal throughput per underwriter, because analyst time shifts from assembling documents to arguing credit.
A single agent can be live in production in as little as five business days, with a multi-agent deployment across intake, underwriting and monitoring typically running about 30 days. The agent runs over your existing core, loan origination system and document repository through more than 100 native integrations, so there is no core replacement or data migration involved.
Send a redacted credit file and your memo template. We will run it through the agent and show you the draft, the citations and the policy exceptions it surfaces — in your structure, not ours.
Tell us what your memo template looks like today and where the write-up loses the most time. We will show you the agent drafting that exact structure.
Typical first agent: live in production in as little as five business days.
