The Agentic Bank

Term-Sheet Drafting Agent

⬡ Drafter Drafts structured-product term sheets and marketing docs from the payoff.
◆ Supervised Worker

Takes the agreed payoff and pricing and drafts the term sheet, the marketing summary and the key risk disclosures, consistent with the approved templates and the actual economics. A compliance agent-as-judge and a legal-review agent gate issuance.

Memory

Working The payoff spec, pricing output, and draft document.
Semantic Approved templates, disclosure requirements, product taxonomy.
Procedural Drafting playbooks per product type, refined by review feedback.
Store Template library + document store

Orchestration

pipeline MCPA2A

Harness · Managed Agents … long drafting session; structured note-taking; a compliance agent-as-judge in the loop.

Tools

{ } Pricing/payoff service API Term-sheet template corpus Retrieval ›_ Document generation Code exec Compliance QA judge A2A Legal-review agent gate A2A

Evals & guardrails

  • Numerical consistency check: document terms must reconcile to the pricing output.
  • Compliance agent-as-judge scores disclosure completeness before issuance.
  • Mandatory compliance + legal-agent sign-off gates issuance.

Offline reflection

Learns which template/product combinations trigger legal redlines and pre-empts them in the next draft.

Frontier edge

  • Multimodal drafting: reads payoff diagrams, pricing screens and prior signed term sheets natively to populate terms, not just structured fields.
  • Long-horizon autonomy: holds a full term-sheet-plus-marketing-doc drafting chain across hours, checkpointed for the compliance judge and the legal-review agent.
  • Eval-gated continual learning: pre-empts the redlines a product type tends to draw, with changes gated by the compliance judge before reuse.

A sample run

Trigger Approved payoff: a 3-year autocallable on a basket, agreed pricing.
  1. 1Pull the matching template; populate terms from the payoff and pricing.
  2. 2Draft the risk disclosures and marketing summary.
  3. 3Run the compliance judge; reconcile numbers; route for sign-off.
Output A complete draft term sheet + marketing doc, reconciled to the economics, ready for the compliance judge and legal-review agent to gate issuance.

In numbers

12 min
Median draft-to-gate latency
63%
First-draft acceptance

Handoffs

Across ⇢ Compliance → Product Governance for approval

More on the Structuring desk