AI credit and underwriting automation in the UAE
Every file reaches the committee complete, and the memo reads the same whoever wrote it.
The audited accounts, the management figures, the bank statements, the ageing and the security documents are read as they arrive and checked against what your own credit policy asks of this kind of borrower. The memo comes out drafted, in your sections, with every figure traceable to the page it came from, and the call it asks for stays with the committee.
Four jobs a credit desk repeats.
Intake to the committee memo
Drafted before the committee sits, from the file as it arrived.
A new file arrives as whatever the borrower sent: audited accounts in one format, management figures in another, bank statements, the group structure and the security documents. Each one is read against what your credit policy asks of this kind of borrower, and the memo comes out drafted in your own sections, with what is still missing named while there is time to ask for it.
The spread
On your template, with the adjustments your own policy makes.
Financials arrive as PDFs, as scans of a print, and as a workbook built by someone who has left with half the figures hard coded. They are read onto your own spreading template with your own adjustments applied, and anything that had to be interpreted is flagged in the file rather than folded into the number.
Covenant monitoring
Tested on the day the numbers land, on every facility.
Every facility carries its own tests, its own reporting dates and the definitions that were negotiated into that one agreement. The tests are run as each new set of numbers lands, and what fails, or is close to failing, reaches the person who owns the relationship with the calculation attached.
The renewal review
The pack is complete before the review date arrives.
A renewal asks the same questions again: current numbers, what has changed since the approval, whether the conditions were met, and how the borrower performed against the case that was written. The pack is assembled on the schedule the facility sets, so the review opens on a complete file and the discussion starts at the decision.
Credit software ends at the workflow.
It moves the file between stages, and the reading, the spreading and the memo still sit with whoever has it open. Runbook arrives knowing your business, because writing down how your committee actually decides is where we start.
You own it. No seat bill.
It runs in your cloud account. If you stop paying us, it keeps running. What stops is us watching it, fixing it and extending it.
How the work runs.
The audit
We sit with the people who make the calls and read everything they read, including the exceptions that are not written down anywhere. You get the work mapped, the jobs ranked worth programming and not, and the value case in your own numbers.
The build
The data layer first, then the agents on top of it. It ends in production, inside the systems your team already opens, not in a pilot.
The run
We watch it and extend it as the work changes. Failures reach us before they reach you.
You leave the first meeting with a one-page sketch of the job you brought.
Questions a credit desk asks.
Does the system make the credit decision?
No. It assembles the file, produces the spread, runs the covenant tests and drafts the memo, with every figure traceable to the document and the page it came from. The credit decision stays with the officer and the committee, and anything the system cannot resolve stops at a named person with the reason attached.
Our credit policy is not written down in one place. Does that stop us?
No, and it is the usual starting point. The first phase is sitting with the people who make the calls and writing down what is actually asked of a borrower, including the exceptions that live in judgment rather than in a document, and that written version is what the agents run on.
What happens when the financials arrive as scans?
Scans, PDFs and a workbook built by someone who has left are the normal input, and reading them is part of the build rather than a condition for starting. Where a figure cannot be read with confidence, the system marks it unread and stops at a person instead of guessing.
How long does it take?
The scope, the fee and the finish date are agreed with you in writing before anything starts. We do not publish a length, because it follows the size of the operation, how many systems the work touches and what condition the data is in.
Who owns it when you leave?
You do. The code, the credentials and the documentation sit in your accounts and under your name from the day we start. It runs in your cloud account, and if you stop paying us it keeps running.
What does the first meeting cost?
Nothing. It is forty five minutes, and you leave with a one-page sketch of the job you brought: the steps as they run today, where the line would sit, and what we would measure.
Where does it run, and what record does it leave?
It runs in your own cloud account, under your name, with the model and the data location chosen by you and written into the build. Every run leaves a record of what was read, what was produced and who approved it, and that record is yours.