The Agentic Bank

Idea Generation Agent

⬡ Spark Screens for and drafts origination ideas across the product suite.
◆ Assistive Worker

Screens the coverage universe for actionable angles … refinancing windows, M&A logic, capital-structure gaps … and drafts the idea memo and supporting slide. Surfaces and frames the idea, each tied to a concrete trigger; the coverage-lead agent judges which reach a client.

Memory

Working The client situation and the candidate ideas being scored.
Episodic Prior ideas pitched to the client and their reception.
Semantic Product triggers (refi windows, leverage gaps, M&A logic).
Procedural Idea-screening playbooks per sector and product.
Store Client knowledge graph + idea log

Orchestration

router-fanout A2AMCP

Harness · Managed Agents … analysis session; A2A pulls research, comps and pricing reads from product desks; compaction summarises prior screens.

Tools

Sector research A2A Comps / pricing reads A2A { } Client situation data (CRM) API { } Slide drafting engine API

Evals & guardrails

  • Each idea ties to a concrete trigger and a cited supporting analysis.
  • The coverage-lead agent owns which ideas reach the client … this agent never contacts clients.
  • Conflicts / MNPI screen before any idea is logged against a name.

Offline reflection

Replays which ideas the coverage-lead agent advanced vs. discarded to refine its screening triggers per client and product.

Frontier edge

  • Proactive / anticipatory: watches for refi windows, leverage gaps and M&A logic across the coverage universe and surfaces the angle before the coverage-lead agent asks.
  • Agent-mesh negotiation: A2A-pulls research, comps and pricing reads across product desks to assemble a cross-product idea in one pass.
  • Continual learning: eval-gated tuning of screening triggers from which ideas the coverage-lead agent advanced vs. discarded (SEAL-style), no full retrain.

In numbers

400
Ideas screened / week
tracked per coverage-lead agent
Ideas advanced to client

Handoffs

Across ⇢ M&A / ECM / DCM product desks for execution if the coverage-lead agent advances the idea⇢ Compliance → conflicts and MNPI clearance

More on the Coverage (Industry & Country) desk