Upload a deal package. Get back a complete, source-cited credit memo in minutes — not hours.
RiskInMind reads every document, spreads the financials, calculates the ratios, flags the risks, and drafts a memo in your institution's format. Your underwriters review, adjust, and decide. The AI does the legwork; your team keeps the judgment.
No setup fees · Works alongside your existing LOS · SOC 2 controls
A single commercial write-up means pulling tax returns, spreading multi-year financials by hand, tracing entity structures, calculating ratios, and assembling a narrative an examiner will scrutinize. Every analyst does it a little differently, and the manual data entry is where errors and inconsistencies creep in.
RiskInMind automates the time-consuming parts — document classification, financial spreading, ratio calculation, and the first draft of the memo — so your team spends its time on analysis, not formatting.
A single workflow handles document ingestion, financial spreading, and memo drafting.
Every memo is source-cited, formatted to your policy, and structured to hold up under regulatory review.
The credit memo is one job inside RiskInMind's wider platform. The same system that drafts the memo also watches the portfolio after the loan books.
Ava routes each request to specialized AI agents for credit analysis, compliance monitoring, portfolio risk, and document generation. Every agent is purpose-built; Ava makes sure the right one handles your request.
Regulatory-change detection and real-time alerts mean your institution stays ahead of policy shifts — not scrambling after the exam.
Risks are surfaced after origination, not just at underwriting. The platform watches the portfolio so you know about problems before they show up on the next call report.
Verify authenticity of statements, IDs, and tax returns before they make it into the memo. Fraud signals are flagged at ingestion, not discovered at closing.
Point-solution competitors generate a memo. RiskInMind generates a memo inside an ongoing risk system.
See the full platformSecurity and auditability are requirements, not checkboxes.
Independently audited security controls you can include in your vendor due diligence file.
Data encrypted in transit and at rest. Your deal documents never travel unprotected.
Multi-tenant support, granular permissions, and a full audit trail for every action on every memo.
Connects to your existing core and LOS. Works alongside your current stack, not instead of it.
RiskInMind is trusted by banks, credit unions, and lending teams that need their vendor relationships to survive examiner scrutiny. Security documentation available on request.
Bring a real deal package and watch RiskInMind produce the memo live. No demo environment, no stock data.
Common questions about the AI credit memo generator.