AI-annotated PDF reviews
for credit files, exams, and contracts
Highlights and threaded comments are pinned to the exact page and line—credit reviewers, risk, and legal see issues where they already work.
Credit files / Regulatory exams / Contracts / KYC & CDD
Work email only · read-only sandbox · no external training.
Interactive demos across bank workflows
Switch between credit file QA, covenant sweeps, exam packs, and KYC completeness checks to see pinned annotations and audit-ready exports in action.
Sample credit file covenant sweep
Flag DSCR/EBITDA mismatches, missing guarantor language, and policy exceptions with page citations.
Term sheet vs. credit agreement comparison
Surface covenant gaps, grace periods, and collateral deltas directly in the loan documents.
MRIA/MRA response assembly
Assemble exam response threads with attachments, policy cites, and reviewer assignments.
CDD/KYC packet review
Tag missing BOI, CIP artifacts, and stale documents with owners and due dates.
Clear use cases for every banking function
Map the agent to credit, risk, finance, and operations in hours. Each use case below ships with ready-made prompts, annotation styles, and bank-grade guardrails.
Commercial Lending
Challenge
Credit memo reviews rely on email threads and spreadsheets to track covenant issues and policy exceptions.
How the agent helps
Cross-link DSCR, leverage, and guarantor requirements to policy IDs, highlighting mismatches with page-level comments.
Example annotation
[High] DSCR in Section 2.4 = 1.05 < policy threshold 1.20. Assign to Credit Risk (due 09/30).
Risk & Compliance (BSA/AML/OFAC)
Challenge
Exam requests and MRIA responses require evidence scattered across shared drives and trackers.
How the agent helps
Consolidate case notes, attachments, and policy cites inside one PDF thread ready for MRIA/MRA submission.
Example annotation
MRIA-2024-07 thread: Add CTR evidence for account 9821 with AML-321 policy cite.
Vendor & Legal
Challenge
DPA and MSA redlines hide indemnity and subcontracting variances that create GLBA exposure.
How the agent helps
Color-code high-risk clauses, flag GLBA language gaps, and surface deviations from approved negotiating positions.
Example annotation
[Risk] Indemnity cap in Section 9.2 exceeds policy baseline by 2x—escalate to Legal Ops.
Regulatory Reporting
Challenge
Call report tie-outs and policy references live in separate spreadsheets, slowing exam-ready responses.
How the agent helps
Tag call-report cells and policy references inline so reviewers jump to supporting evidence instantly.
Example annotation
Line RC-C 42: tie-out to ALM workbook Tab 3 cell F18. Attach evidence before submission.
KYC / CDD Operations
Challenge
CDD packets stall on missing BOI/CIP documents and stale IDs across branches.
How the agent helps
Auto-tag missing or expired documents with owners and due dates, preventing back-and-forth email chases.
Example annotation
CDD packet: Missing BOI for entity 4552. Assign to Onboarding (due 09/15).
Internal Audit & Model Risk
Challenge
Validation findings and approvals are hard to evidence across model inventories.
How the agent helps
Capture validation notes, challenger prompts, and approvals with page-referenced annotations for SR 11-7 evidence.
Example annotation
[SR 11-7] Stress testing threshold change lacks documented approval—log Model Governance ticket.
Built around banking documentation bottlenecks
The agent reads every page, cross-references policy IDs, and posts highlights inside the PDF so credit, risk, and compliance stay aligned.
Pinned covenant sweeps
Flag DSCR, leverage, and guarantor exceptions with citations to the page and clause so reviewers jump directly to the issue.
[High] Section 3.4 DSCR = 1.05 < policy 1.20. Assign Credit Risk owner.
Dual-pane comparisons
Compare term sheets to credit agreements or renewals, surfacing covenant changes, collateral shifts, and grace-period gaps.
Covenant delta: Leverage cap removed in §6.2 vs. term sheet baseline.
Exam pack export
Bundle comment threads, attachments, and policy citations into an exam-ready PDF export for MRIA/MRA responses.
MRIA-24-03 thread: Evidence link + AML-321 cite included in export.
KYC / CDD completeness tags
Tag missing BOI, CIP artefacts, or expired IDs with owners and due dates, keeping onboarding on track.
CDD packet: Expired passport for guarantor. Assign to Onboarding (due 09/15).
Call-report provenance
Attach call-report line items to source workbooks and policies so reviewers see the exact evidence that supports each number.
RC-C line 42 ties to ALM workbook Tab 3 → cell F18. Evidence attached.
Validation artefact capture
Log challenger prompts, approvals, and watchpoints with SR 11-7 friendly language for audit and oversight.
[SR 11-7] Scenario threshold change pending Model Governance ticket #2146.
How teams ship bank-ready annotated PDFs in hours
Purpose-built prompts, annotation templates, and export options map to credit files, regulatory exams, and contracts you already manage today.
1. Upload with bank context
Drop credit files, exam requests, or contracts and add context like policy IDs, covenants, or due dates for reviewers.
2. Let the agent annotate
The agent pins findings to pages and clauses, compares versions side-by-side, and opens comment threads your SMEs edit in place.
3. Export exam packs & audit trails
Download exam-pack PDFs, export threaded evidence, or share immutable logs so MRIA/MRA responses and audits stay exam-ready.
Pricing Plans
Choose the plan that fits your needs. Start for free and scale as you grow.
Free
For individuals and small projects getting started.
$0
/ user / month
- Up to 10 file uploads
- Multi-file analysis
- WebSearch Integration
- FileSystem Integration
- Background & Chat Ops
- Self-hosted Cloud Deployment
- Customer Support
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Pro
For professionals and teams requiring advanced features.
$10
/ user / month
- Unlimited file uploads
- Multi-file analysis
- WebSearch Integration
- FileSystem Integration
- Background & Chat Ops
- Self-hosted Cloud Deployment
- Email Support
Enterprise
For large organizations with custom needs and security requirements.
Ask
- Unlimited file uploads
- Multi-file analysis
- WebSearch Integration
- FileSystem Integration
- Background & Chat Ops
- Self-hosted Cloud Deployment
- Dedicated Support & SLA
Ready to pilot with your credit files and exam PDFs?
Contact us to spin up a secure, read-only sandbox with banking prompts, annotation templates, and walkthroughs for your team.
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