Qore by Uptiq drafts the credit memo from your reviewed borrower file: spreads, ratios, policy checks and exceptions, with every figure cited to its source. The AI writes the draft. Your credit officers review and decide.
$1,200,000 term loan · CL-2048
| Income statement | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | $1.74M | $1.92M | $2.15M |
| Gross profit | $624K | $710K | $806K |
| Adjusted EBITDA | $258K | $296K | $333K |
| Debt service | $231K | $246K | $258K |
Illustrative Qore workspace · sample borrower data, not a live lending application
Analysts copy spreads, ratios and policy references into a template. It is work that adds no credit judgment.
Every analyst writes differently. Structures vary, policy references go missing and figures cannot be traced back to source.
Exceptions surface at committee instead of during preparation, and the memo goes back for rework.
See how much memo prep time comes back to your analysts, on one of your own loan files.
Credit memo automation only helps if your credit officers can trust the draft. Qore shows where every number and every policy reference came from.
Every figure in the memo links back to the borrower document it came from.
Policy checks answer from your institution's private knowledge base, quoted section by section.
Role-based review, recorded edits and human approval before any memo moves forward.
| Capability | Generic AI chatbot | Qore |
|---|---|---|
| Drafts from the spread your analyst reviewed | Unclear source | |
| Every figure linked to its source document | ||
| Policy checks cite your credit policy by section | Generic lending rules | |
| Exceptions and proposed conditions shown in the draft | Manual | |
| Role-based review and recorded edits | ||
| Human approval before the memo advances |
Compare a Qore draft against how your team writes a credit memo today, on one real deal.
Qore writes from your reviewed evidence and your credit policy, never from a generic model's guess.
Qore confirms the documents behind the memo are received and extracted before drafting. Gaps are flagged, not hidden.
The repayment section is written from the spread your analyst reviewed, with every figure linked to its source.
Policy checks answer from your institution's private knowledge base, not generic lending guidance.
Failed policy tests appear as explicit exceptions with proposed conditions, before the memo goes forward.
Your credit officer edits, approves or sends it back. Every action is recorded in the audit trail.
Illustrative workspace · sample borrower data and policy
Start from a structured draft, not a blank page. Spend the saved hours on credit judgment.
Review a memo where every figure, ratio and policy reference traces back to source.
See exceptions and proposed conditions upfront, not halfway through the meeting.
Sources, policy citations, edits and approvals, all on record.
Tell us which team you want to start with. We will show you their part of the workflow.
Qore brings role-based access, audited queries, team token budgets and your private credit-policy knowledge base to lending work. Your institution sets the review requirements and keeps decision responsibility.
Software that drafts the credit memorandum from the loan file: borrower financials, repayment analysis, policy compliance and recommendation. Qore drafts from reviewed evidence and your credit policy, and your credit officers approve.
No. Qore prepares the draft and recommendation. Your authorized credit officers review, edit and approve, so final judgment stays with your team.
From the borrower documents your team reviewed, such as tax returns, statements and debt schedules, extracted into a spread with source references. Every figure traces back to its source.
Qore grounds the policy section in your institution's private knowledge base and cites the applicable sections. We will walk through your template on the discovery call.
The exception appears in the draft, showing which requirement failed, the policy section and any proposed condition, before the memo advances.
Yes. Qore prepares the analysis and memo alongside your loan origination system, which remains the system of record. Most teams start with one workflow: a single agent typically goes live in 5 business days.
Bring a recent commercial loan. We'll show you the spread, the policy citations, the exceptions and the memo draft on your documents.
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Bring a recent commercial loan. We'll show you the spread, the policy citations, the exceptions and the memo draft on your documents.
A 30-minute conversation with our lending team. No prep needed, and we never share your details.