◆ Supervised Specialist
Analyses the borrower's credit … cash-flow capacity, leverage, covenant headroom, downside cases … and drafts the credit/underwriting memo for the deal-committee agent. Frames the credit picture and the risks; the deal-committee agent owns the underwriting decision.
Memory
Working The borrower's credit profile and the downside-case grid.
Episodic Prior credits in the sector and how they performed.
Semantic Credit metrics, covenant frameworks, underwriting standards.
Procedural Memo-drafting and downside-case playbooks refined from committee feedback.
Store Credit knowledge base + memo store
Orchestration
MCPA2A
Harness · Managed Agents … analysis session; downside scenarios computed in a sandbox; findings persisted in a memo NOTES file.
Tools
›_ Financial analysis sandbox Code exec ⇄ Borrower financials + LBO model A2A ⌕ Sector + ratings retrieval Retrieval { } Memo drafting platform API
Evals & guardrails
- Every credit conclusion cites the underlying financial driver.
- Downside cases stress-tested against covenant breakpoints.
- The deal-committee agent re-derives and gates the underwriting decision; this agent drafts the analysis only.
Offline reflection
Consolidates deal-committee-agent questions and post-close credit performance to sharpen which risk factors predict stress.
Frontier edge
- ▲Causal reasoning: counterfactual stress on which risk factors actually drive covenant breach, separating genuine drivers from correlated noise.
- ▲World-model simulation: simulates the borrower's cash-flow capacity through downside macro scenarios against each covenant breakpoint.
- ▲Continual learning: eval-gated updates from committee questions and post-close performance (SEAL-style) so the memo flags what predicts stress, no full retrain.
In numbers
55
Credit memos drafted / month
median ~4 h
Memo drafting latency
Handoffs
Fed by ← LBO Model Agent
Across ⇢ Risk → credit risk for independent underwriting review⇢ Markets → leveraged syndicate for distribution capacity read