Smart CA
Credit & Valuation
Smart CA assembles renewal credit applications from a bank's own source data and produces a draft for a credit officer to review. It runs a seven-stage workflow over the credit pack.
Data and calculation
- Source data pulled by API from systems such as core banking, the credit pack and the credit bureau, with manual upload where an API is unavailable
- Financial spreading and ratios computed by fixed formula
- Figures in the output trace to source data or to a stated formula
Rules and drafting
- The bank's own credit policy and thresholds applied by the rule engine
- Narrative drafted by a model, routable local or external and varied by task complexity
- More evidence in the credit pack produces fuller commentary
Governance and output
- Audit trail across every stage of the run
- Draft credit application in Word, with annexures, ready for review and editing
- The analyst retains the credit judgement and the system assembles the pack
Where the Credit Decisioning Engine decides whether a renewal needs a full application, Smart CA writes the one that does.