Credit & Underwriting
A credit memo that writes itself.
Agents pull financials, covenants, news and prior decisions, then draft the credit memo with the analysis, comparables and a recommendation. Your credit officer reviews and decides, not assembles.
Replaces: Manual memo assembly, spreading, covenant lookups
How it works
Credit & Underwriting, end to end.
01
Connect
Connect your loan files, financials and policy. Agents read them where they already live.
02
The agents work
Agents spread the numbers, check covenants and draft the memo to your credit policy.
03
You stay in control
Your credit team reviews, adjusts and approves. The agent never books the decision.
Shipped, on real work
In production at monō.
Trust & governance
Run it under control.
Governed. Measured. And you can see exactly what it costs.
monō does the same work for a fraction of the spend. It only sends the AI what it actually needs to answer, not the whole history. So a typical task can use up to 70% fewer tokens than running an agent the standard way. Routine, high-volume work runs on cheaper models; the hard calls go to the best models available. And for the work you do most, we tune smaller, faster models built for the job.
You see the cost per agent, in plain numbers.
Governance
Every agent runs under policy. Every action logged, reproducible and reviewable.
Eval & monitoring
Every output scored against your standard before it ships. Drift caught early.
Cost & efficiency
Far fewer tokens than running an agent raw, and the right model for each job.
The pack your risk team will ask for.
Deployed in your cloud. Inference-only, your data is never training data. ISO 27001 certified. The controls map, data-flow diagrams and sub-processor list.
PDF · 4 pages
Credit & Underwriting, asked and answered.
Will it follow our credit policy, not a generic one?
Yes. The agents work from your policy, your templates and your risk appetite. The memo reads like your house wrote it.
How fast is a memo?
Minutes, not days. Agents assemble the spread, covenants and draft while you are still reading the file, then wait for your review.
Where does our data live, and can we use our own model accounts?
Inside your cloud or tenancy. monō is inference-only, your data never trains anyone's models and never leaves your control. Bring your own API keys: your accounts, your rates, zero markup.
One platform, two ways in
Where this runs.
Put Credit & Underwriting to work.
See it on your own data, or start with the Finance collection.