A comprehensive workbench for commercial bankers to assess credit applications, analyze financial statements, and make informed lending decisions with structured policy-driven workflows.
Credit Assessment Workflow
Structured evaluation process
Document Collection
Financial statements & supporting docs
Ratio Analysis
Debt/EBITDA, DSCR, Current Ratio
Policy Compliance
Credit policy threshold checks
Risk Assessment
Industry & borrower evaluation
Credit Decision
Approve, decline, or conditional
Built for commercial banking teams to streamline credit assessment workflows and ensure consistent policy-driven decisions.
Automated ratio calculations and trend analysis across periods
Credit policy thresholds with automatic breach detection
Industry risk profiles and borrower evaluation frameworks
Structured approval process with audit trail documentation
Submit your credit application and our banking team will guide you through the assessment process.
Complete the application form with your business and funding requirements
Submit financial statements, management accounts, and supporting docs
Our team analyzes your financials against credit policy thresholds
Receive a detailed assessment with terms or feedback
We evaluate applications based on key financial metrics to ensure sustainable lending. Here are our primary assessment thresholds:
Debt / EBITDA
Total debt relative to earnings
Interest Coverage
EBITDA / Interest expense
DSCR
Cash flow to debt service
Current Ratio
Current assets / liabilities