◆ Assistive Specialist
Aggregates everything the client holds with the bank (loans, deposits, payments, FX) and models the risk-adjusted return on the whole relationship rather than the single facility. Surfaces a pricing band above the hurdle rate and cross-sell room; flags sub-hurdle pricing to the chief-credit agent and hands the band to the coverage agent.
Memory
Working The relationship's full product holdings + the deal being priced.
Episodic Past pricing decisions and how the relationship responded.
Semantic Pricing policy, hurdle rates, cost-of-funds and capital assumptions.
Store Relationship datastore + model results
Orchestration
MCP
Harness · Managed Agents … sandboxed code execution for pricing + RAROC models.
Tools
{ } Product holdings + revenue feed API ›_ RAROC / pricing model Code exec { } Cost-of-funds + capital data API ⌕ Pricing policy (RAG) Retrieval
Evals & guardrails
- Pricing below hurdle rates flags to the chief-credit agent for approval … never auto-committed.
- Model assumptions versioned; results reproducible for audit.
- Champion/challenger on the pricing model against realised returns.
Frontier edge
- ▲World-model simulation of the negotiation: simulates how the client is likely to respond to each pricing band (walk, accept, counter) before the coverage agent opens it, so 'room to hold rate' is a modelled outcome not a guess.
- ▲Causal RAROC: counterfactual 'which product in the relationship subsidises the loan' analysis, attributing return rather than totalling it.
- ▲Proactive cross-sell: anticipates the next product the relationship will need from its cash-flow pattern and surfaces it before the renewal conversation.
A sample run
Trigger Coverage agent preparing to renew a facility for a long-standing deposit-rich client.
- 1Aggregate the relationship's loans, deposits, payments and FX revenue.
- 2Model RAROC on the proposed renewal across the whole relationship.
- 3Identify cross-sell room and a pricing band above the hurdle.
Output A pricing brief showing the relationship clears the hurdle with room to hold rate, plus two cross-sell suggestions … handed to the coverage agent for the negotiation.
In numbers
+40%
Sub-hurdle deals caught pre-commit
Handoffs
Across ⇢ Coverage agent (pricing decisions)