A commercial credit underwriting platform that captures facts, validates analysis, organizes evidence, and produces the memo. Analysts make the calls. The platform does everything else.
Sign In Request a DemoCommercial underwriting runs on spreadsheets, shared drives, emailed PDFs, and tribal knowledge. Analysts spend 60% of their time finding information and formatting memos — not analyzing credit. Evidence gets lost between versions. Reviewers find errors at the eleventh hour. CreditSmith replaces the admin work so analysts can do the real work.
A secure, structured workspace purpose-built for commercial credit — not a document generator, not a chatbot with a bank logo.
Input: Borrower data, financials, documents, analyst judgment.
Output: A fully sourced, review-ready credit memorandum.
CreditSmith organizes the entire underwriting workflow — from deal intake to committee approval — with evidence traceability baked into every step. Every number in the memo links back to its source document. Every change is logged. Every approval is tracked.
The platform is the operating system behind the memo. Not AI generating numbers. Not a black box. A structured workspace that makes analysts faster, reviewers more confident, and examiners happier.
Relationship manager submits. Borrower, facility, target date.
11 structured modules. Financial analysis, collateral, risk register, covenants, repayment sources.
Every statement links to source documents. Tax returns, financials, appraisals — organized and audit-traced.
Inline comments. Version history. Approval routing with full audit trail.
PDF or Word. Fully sourced. Ready for committee.
Spreads, ratios, UCA cash flow, DSC. Formula-driven, never AI-estimated. Results are auditable and repeatable.
Every number in the memo links back to its source document, page, and table. Examiners get a clean trail.
Identify, score, and mitigate risks. Linked to covenants and conditions. No orphaned concerns.
AI drafts narrative sections. Clearly labeled as draft. Analyst must approve. Never touches calculations, risk ratings, or approval decisions.
7 roles: RM, Analyst, Reviewer, Portfolio Manager, Approver, Credit Admin, Compliance. Each sees what they need.
Every change logged. Who, what, when. Version history on every section. Nothing disappears.
Bank policies embedded as validation rules. Exceptions flagged before submission — not discovered by the examiner.
Policy and model risk controls built in. SOC 2 path defined. Ready for regulatory scrutiny.
$500M–$50B AUM. Upgrading from spreadsheets and shared drives.
Commercial portfolios. Same rigor, smaller teams.
Equipment finance, CRE, ABL. Structured underwriting with industry-specific modules.
Teams of 5–50 analysts. Process standardization without losing judgment.
SOC 2 Type II target. Secure, managed, always updated.
Behind your bank's firewall. Your infrastructure, your control.
Okta, Azure AD. Role-based access. Session timeout. Login audit logging.
Audit trail, version history, policy controls. Evidence linked to every material statement.
CreditSmith is in development. Banks interested in early access can join the pilot — limited seats, full platform, fixed fee.