◆ Autonomous Specialist
Builds the proposed facility structure … tranching, pricing grid, covenant package … from the borrower's profile and a precedent library, and drafts the term sheet. Produces the structure end-to-end; the deal-committee agent owns the commercial terms.
Memory
Working The borrower profile and the structure being drafted.
Episodic Prior facilities for the borrower / sector and accepted terms.
Semantic Loan-market conventions, covenant packages, pricing-grid norms.
Procedural Structuring playbooks per facility type.
Store Precedent term library + document store
Orchestration
pipeline MCP
Harness · Managed Agents … drafting session; precedent terms held in a persisted NOTES file across the deal.
Tools
⌕ Precedent term-sheet library Retrieval { } Document drafting platform API { } Borrower financials API ⇄ Deal-committee-agent review channel A2A
Evals & guardrails
- Structure validated against loan-market conventions; deviations flagged.
- The deal-committee agent owns the commercial terms.
- Term-sheet figures reconciled against the credit analysis.
Frontier edge
- ▲World-model simulation: simulates likely lender appetite for alternative tranching and pricing grids before the arranger lands on a structure.
- ▲Continual learning: eval-gated tuning of covenant and pricing-grid defaults from which proposed terms lenders actually accepted (SEAL-style).
- ▲Causal reasoning: counterfactual analysis of how covenant headroom and grid steps drive lender take-up, not just precedent matching.
In numbers
85
Term sheets drafted / month
median ~3 h
Structuring latency