COM Front office · 5 desks · 13 agents

Commercial Banking

Credit, deposits, payments and cash management for the real economy.

Credit, deposits, payments and cash management for businesses from the SME to the mid-cap and the property developer. The fleet runs financial spreading, memo drafting, covenant tracking and payment-exception handling as a system of agents under a chief-credit decision authority.

How it runs

Statements spread on arrival, the credit memo assembles off the diligence pack, covenants recompute continuously and flag breaches on filing, and cash applies and reconciles on an overnight batch. The chief-credit agent decides within mandate, a second independent agent re-derives the call, and the control plane audits every step.

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Business Banking (SME)

3 agents

Lending, deposits and onboarding for small and medium enterprises … high volume, smaller tickets, standardized credit.

Workflow · Application intake → KYB onboarding → financial spreading → scorecard-driven underwriting → decision → booking. A high-volume pipeline of small-dollar decisions run to a fixed policy and scorecard.

KYB Onboarding Agent

Know-Your-Business onboarding for new SME relationships.

Collects the incorporation documents, verifies the business exists and trades, unwraps ownership to the controlling individuals, and assembles a risk-banded diligence file. Hands the file to Financial Crime for formal screening over A2A and gates the case-complete state on a verified screening return.

Financial Spreading Agent

Extracts and normalizes borrower financials into the standardized spreading template.

Reads the borrower's statements (PDFs, scans, varied accountant formatting) and maps every line into the standardized chart of accounts so figures are comparable across the portfolio. Cites the source cell for each mapped line, computes leverage, coverage and liquidity ratios, and ties the statements out before handing off.

SME Underwriting Agent

Scorecard-driven credit decisioning for small-dollar SME facilities.

Takes the spread and the application, runs the SME credit policy and scorecard, and decides standardized small-ticket cases inside the delegated-authority guardrails: approve, decline, or refer up. Writes an adverse-action-compliant rationale for every decision and refers anything above its ticket size or risk grade to the chief-credit agent.

Middle Market Banking

2 agents

Relationship lending and advisory for mid-cap companies … bespoke credit, syndicated facilities, and deep coverage relationships.

Workflow · Origination → diligence → structuring → credit memo → credit decision → documentation → booking. Larger, bespoke deals where a coverage agent owns the relationship, a chief-credit agent owns the call, and the diligence and memo agents feed it.

Credit Diligence Agent

Assembles the diligence pack on a prospective middle-market borrower.

Spawns parallel research sub-agents across financials, industry context, peer comparables, news and litigation, and the borrower's existing exposure across the bank, then merges them into the cited evidence pack the credit memo rests on. Reconciles aggregated exposure against the single-name limit and flags concentration for the chief-credit agent.

Relationship Pricing Agent

Models risk-adjusted pricing across the full relationship for the coverage agent.

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.

Commercial Real Estate

2 agents

Lending against income-producing and development property … construction draws, debt-service coverage, and rent-roll-driven underwriting.

Workflow · Underwriting → appraisal review → loan structuring → construction-draw administration → ongoing valuation + DSCR monitoring. Document-dense: rent rolls and appraisals are read lease-by-lease and draws are checked against budget and inspected completion.

CRE Underwriting Agent

Spreads rent rolls and appraisals into property-level credit analysis.

Reads the rent roll, the operating statement and the appraisal lease-by-lease and builds the property-level economics: net operating income, debt-service coverage, loan-to-value, stabilized vs. as-is. Ties each tenant back to its rent-roll line, cross-checks appraised value against market cap-rate comps, and escalates DSCR/LTV outside policy bands to the chief-credit agent.

Construction Draw Agent

Administers construction-loan draw requests against budget and progress.

Checks each draw request against the approved budget, the schedule of values, lien waivers and inspection reports, then queues releasing what checks out and holds what does not. Caps draws at inspected completion, holds back retention per policy, and gates every release above a threshold on an independent oversight agent that re-derives the disbursement.

Treasury Services & Cash Management

3 agents

The operational plumbing of corporate banking … payments, receivables, liquidity and account reconciliation for commercial clients.

Workflow · Payment initiation → exception handling → receivables/cash application → account reconciliation → liquidity sweeps + pooling. High-volume, exception-driven operations targeting straight-through processing, with break resolution as the work.

Payment Exception Agent

Investigates and resolves payments that fall out of straight-through processing.

Catches the wires and ACH batches that fall out (bad references, missing remittance data, format breaks, repair queues), infers the intended instruction, and repairs or returns them. Routes by ambiguity: clean repairs post straight through, ambiguous cases escalate to a senior payments agent, and high-value repairs gate on an oversight agent before release.

Cash Application & Ledger Reconciler

Applies incoming receipts to open receivables and reconciles the GL.

Matches each incoming receipt to its open invoice on amount, reference and remitter, applies it within tolerance bands, and reconciles the bank ledger to the GL on an overnight batch. Auto-matches within tolerance, routes out-of-tolerance breaks to a break-investigation agent with ranked probable causes, and holds the cycle unless the balance ties to the penny.

Liquidity & Sweep Agent

Optimizes client cash positions via sweeps, pooling and short-term placement.

Watches every account in a client's cash-pool structure and moves balances toward yield or need: target-balance sweeps, notional pooling, end-of-day concentration, mandated overnight placement. Acts continuously on position changes, checks every transfer against the client mandate and limits (breaches block, never override), and logs each idempotent, reversible movement for audit.

Credit Underwriting & Portfolio Monitoring

3 agents

The credit engine room … memo drafting for committee, and the continuous monitoring of covenants and portfolio risk after the loan is booked.

Workflow · Memo drafting → credit decision → booking → covenant + financial monitoring → review → early-warning + watchlist. The chief-credit agent owns the decision, a second independent agent re-derives the four-eyes sign-off, and the control plane audits.

Credit Memo Agent

Drafts the credit memorandum for committee from the diligence and spread.

Turns the spread and the diligence pack into a decision-ready credit memo: business overview, financial analysis, risk rating, structure, covenants, the recommendation and the case against it. Cites every figure back to its source, self-critiques the draft against a credit-policy judge over A2A, then hands the case to the chief-credit agent, which owns the recommendation, with a second agent re-deriving the sign-off.

Covenant Monitoring Agent

Tracks loan covenants continuously and flags breaches and trends.

Holds every covenant in every loan agreement, ingests compliance certificates and financials as they arrive, recomputes the ratios, and flags a breach or the trend toward one event-driven on filing. Reconciles recomputed ratios against the spread, routes confirmed breaches to the chief-credit agent (it does not waive), and escalates overdue certificates against the collection SLA.

Portfolio Early-Warning Agent

Synthesizes portfolio-wide signals into watchlist and risk-grade recommendations.

Sweeps the whole commercial book continuously across covenant trends, payment behaviour, sector stress and news, spawning per-credit research sub-agents to surface credits drifting toward trouble. Recommends watchlist moves and risk-grade changes with cited evidence; the chief-credit agent commits the call and grade changes never auto-apply.