
A regional commercial bank
- $4B in assets
- Midwest, U.S.
3×
faster commercial credit decisions
Cut commercial credit decisions from three weeks to one.
- Challenge
- Analysts re-typed borrower financials by hand and wrote every credit memo from scratch. Routine loans took three weeks, and borrowers were taking competing offers.
- What we built
- We built a workflow that spreads each borrower package into the bank's templates and drafts the credit memo. Analysts review every figure, and credit officers still make every decision.
- Outcome
- Most credits now reach committee within a week, with every number traceable to the borrower's documents.
- to spread a package, from 4 hours
- 20 min
- first draft of the credit memo
- Same day
- loans handled per analyst
- +40%














