◆ Supervised Specialist
Spreads the financials, re-rates the borrower against the bank's scorecard, and writes the credit review memo citing the line items that moved the rating. Runs the annual-review queue continuously and flags deteriorating credits as the financials shift.
Memory
Working The borrower's current financials, spreads, and the rating under review.
Episodic The borrower's rating history and prior review findings.
Semantic The bank's rating scorecard, credit policy, and industry benchmarks.
Procedural Spreading playbooks per statement format and industry.
Store File-based memory tool + entity graph (obligor relationships)
Orchestration
pipeline MCP
Harness · Managed Agents … long-running session; structured note-taking (a review NOTES file) persisted outside context across multi-document cases; compaction on long runs.
Tools
›_ Financial spreading engine Code exec { } Credit risk system API { } Financial-statement intake + OCR API ⌕ Industry benchmark retrieval Retrieval ⇄ Chief-credit oversight agent sign-off A2A
Evals & guardrails
- Rating recommendations vs. a gold set; the oversight agent's override rate tracked.
- Hard guardrail: rating downgrades beyond a notch threshold force chief-credit oversight-agent review.
- Citation discipline … every memo claim links to a source line item.
- Model-risk validated as a rating input model (SR 11-7).
Offline reflection
Replays credits that later migrated or defaulted as Reflexion-style lessons, sharpening which early financial signals predict deterioration.
Frontier edge
- ▲Reads filings, audited statements and rate-card PDFs natively (multimodal), pulling figures straight from the page rather than a pre-keyed feed.
- ▲Counterfactual credit reasoning: simulates how leverage and coverage shift under a covenant amendment or a refinancing before recommending the rating.
- ▲Eval-gated continual learning: each confirmed migration tightens the spreading playbook, no full retrain.
A sample run
Trigger Annual review due on a mid-market manufacturer; Q3 filing just landed.
- 1Spread the new financials; compute leverage, coverage, liquidity trends.
- 2Compare against last year's spreads and the industry benchmark.
- 3Re-score on the bank's scorecard; check covenant headroom.
- 4Draft the review memo with cited drivers and a rating recommendation.
Output A complete review memo recommending a one-notch downgrade on falling coverage, gated by the chief-credit oversight agent; flags a covenant nearing breach for the monitor.
In numbers
1,200
Credit reviews / day
cleared, held at zero
Annual-review backlog
Handoffs
Hands to → Covenant & Early-Warning Agent
Across ⇢ Commercial / CIB lending desks (deal + borrower source)⇢ Stress Testing for credit-loss scenario inputs