AI Credit Memo Agent

An AI Credit Memo Agent drafts the credit write-up from the file: it pulls the financials, structure, risks, and rationale into your template, with every figure sourced. It writes the memo; the credit team makes the call.

Tecla builds it inside your environment and runs it, wired into the credit, spreading, and document systems your team already uses.

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The shift underway

The credit write-up is one of the most time-heavy documents a lender produces, and much of it is assembly rather than judgment. AI is now drafting the memo from the file, and credit teams are adopting it quickly.

80%

of credit risk organizations expect to implement generative AI within a year.

Source: McKinsey

4–8 hrs

to write a full commercial credit memo by hand, before AI-assisted drafting.

Source: Uptiq

63%

reduction in credit memo preparation time in typical AI-assisted deployments.

Source:

How it works

Inside the agent

A credit memo pulls the financials, the structure, the risks, and the rationale into one document the committee can decide on. Most of that is assembly from the file, so the agent drafts it and the analyst spends their time on the judgment, not the write-up.

01

File Pull

Gathers the spread financials, the application, and the supporting documents for the borrower into one place, so the memo starts from a complete file.

Reads the room
02

Financial Summary

Summarizes the multi-year financials, trends, and ratios in the narrative form a credit memo needs, not raw tables.

Works the checklist
03

Structure & Terms

Lays out the facility, collateral, guarantors, and covenants against your credit policy, so the proposed structure is clear to the committee.

Finds the risk
04

Risk Narrative

Drafts the risk section, strengths, weaknesses, mitigants, and the red flags a reviewer needs to weigh, in plain credit language.

Cites the source
05

Memo Assembly

Assembles the full memo in your firm's credit template, every figure sourced to a document, ready for the analyst to refine.

Drafts the memo

Human in the loop

Every finding traces back to the document it came from, so an analyst can verify each point. The agent reads and drafts; the investment decision, and the judgment on what a red flag means for the deal, stays with the deal team, not the model.

Scoped to you

This is a typical credit memo build. The exact parts are scoped to how your firm runs: your credit template, the loan types in scope, how financials are spread, and how the memo routes to committee.

See what this would look like built around your portfolio operation.
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Related agents

How it reaches production

Built, run, and owned, one phase at a time

A memo tool that drafts a clean sample can still miss what matters in a real file under committee pressure. A scoped brief, a named team, and someone accountable at each stage are what make this one dependable in production.

Sprint

Scope, fixed price

We map your credit template, the loan types in scope, how financials are spread, and how the memo routes to committee, then return a plan and a price before you commit.

AI Solutions Lead
Build

Built into your environment

Senior engineers assemble the agent inside your environment, wired into the credit, spreading, and document systems your team already works in.

AI Systems Lead
Run

Monitored and improved

The agent adapts as your template, loan types, and committee workflow change, and we report against the metrics set at scope: memos drafted, write-up time reduced, analyst review time returned.

Systems Lead + Engineers
Own

Yours, improving

The system is yours to keep, and it learns your firm's credit template and standards over time rather than staying a generic document writer.

Your team

A build starts with a fixed-price Tecla Sprint that scopes and prices it before you commit.

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How it holds up

Trustworthy enough to take to committee

A memo with a wrong figure misleads the committee and the credit decision built on it. What makes this one dependable is that every number traces to a document, and the credit judgment stays with the analyst.

Reviewed by trajectory

Every figure cites the source

Each figure in the memo links back to the spread file or statement it came from, so an analyst can verify it before committee. The agent pulls and drafts from source documents; it does not invent numbers.

Human in the loop

It drafts, the analyst decides

The agent drafts the memo and risk narrative, but the credit recommendation and judgment behind it stay with the analyst and committee. It informs the decision; it does not make it.

Tuned over time

It matches your memo standard

As your template, loan types, and credit standards change, the agent is kept current, so its output matches how your firm actually writes memos.

Start the build

Turn the file into a drafted credit memo

A scoping call maps your credit memo workflow and returns what the agent would draft, how success gets measured, and the fixed-price Sprint to build it.

Talk to us

Fixed-price AI Systems Sprint. No commitment until scope is confirmed.

What lenders ask about credit memos

What is an AI credit memo agent?

It drafts the credit write-up from the file: it pulls the spread financials, summarizes trends, lays out the structure and covenants, drafts the risk narrative, and assembles the memo in your template with every figure sourced. Tecla builds and operates the credit memo AI agent inside your environment, so analysts start from a draft and own the credit judgment.

How is an AI credit memo agent different from a spreading or underwriting tool?

Spreading produces the numbers; underwriting reaches the decision; this writes the document that carries both to committee. It turns the spread file into a narrative credit memo. Tecla builds this as the credit memo automation layer those tools leave to an analyst at the end of the process.

Does the agent decide whether to approve the loan?

No. It drafts the memo and the risk narrative, but the credit recommendation and the judgment behind it stay with the analyst and the committee. The agent handles automated credit memo generation; the decision stays human.

How do you keep the numbers accurate?

Every figure in the memo links back to the spread file or statement it came from, so an analyst can verify it before committee. This credit write-up AI pulls and drafts from source documents; it does not invent numbers, which is the failure mode that matters most in a credit memo.

What does Tecla's credit memo build cover?

Tecla scopes the build to your firm: your credit template, the loan types in scope, how financials are spread, and how the memo routes to committee. It runs inside your environment and Tecla operates it, holding your template and standards as they change.

Can the credit memo agent match our firm's memo format?

Yes. The agent assembles the memo in your firm's own credit template and narrative style, not a generic format, so what reaches committee looks like your firm's work. Matching the template is part of what Tecla scopes in the build.

How is borrower data kept secure?

The agent runs in your environment, integrated with your systems, under your own access rules. Borrower and credit data stays within the boundaries your firm already answers to, and you own and control the system Tecla operates.

How long does a build take?

A build starts with a fixed-price Tecla Sprint that scopes and prices it before you commit. The Sprint maps your template, loan types, and committee workflow, so the credit memo AI agent that follows fits how your firm actually writes memos.

We have credit analysts already. Where does the agent fit?

It takes the assembly and first-draft write-up off the team, so analysts spend their time on the credit judgment and the committee, not formatting a document. Tecla builds and operates it alongside them, cutting write-up time without cutting the review.

How do we get started?

A scoping call maps your credit memo workflow and returns what the agent would draft, how success is measured, and the fixed-price Sprint cost. Book a scoping call with Tecla to start.

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