Credit · Illustrative application concept

AI Credit Memo

Let credit officers analyse credit — not copy numbers from PDFs.

▲ AAB WORKSPACEResearch concept · Synthetic data● ● ●

Credit analysis · Alpine AGDraft

Evidence-linked preparation for professional review

Summary Source documents Review notes

Review item	Finding	Source
Revenue	CHF 12.4m	Accounts · p. 18
EBITDA margin	16.8%	Accounts · p. 21
Net debt / EBITDA	2.4×	Calculation · 03

Receivables growth exceeds revenue growth. Review required.

● Source references available Review →

Illustrative interface with synthetic data. These findings and sources are examples, not actual client records or policy determinations.

The problem

Credit officers spend substantial preparation time transcribing financial statements and reconciling supporting evidence.

The application

Reads financial statements, extracts data, calculates ratios, identifies inconsistencies and prepares a review-ready credit memo with source references.

Human control

A credit officer validates calculations, resolves inconsistencies and owns the recommendation. Approval remains with the authorised credit function.

Potential impact

Less manual information preparation, clearer evidence and more time for professional analysis. Benefits must be tested against a defined baseline; no achieved results are claimed.