Turn Financial Complexity Into Clarity
Give credit, compliance and relationship teams an AI assistant that works on your bank's own documents and systems, so they find answers in seconds and spend their time where it counts.
Four facilities in the SME book breached a covenant in Q3. Three breached DSCR below 1.20x and one breached leverage above 3.5x.
Credit Policy 4.7 requires a watch-list review within 10 business days and a waiver or remediation plan approved at the next delegated authority level.
How a regional bank halved the time to a credit decision.
The challenge
Analysts spent most of every application gathering financials, past approvals and policy references from six different systems before they could write a word.
The result
Every analyst now starts from a complete, sourced draft and spends their time on the judgement call.
Do more with the knowledge your bank already has.
Clear the paperwork backlog
Cut the manual work in credit, onboarding and servicing so applications move and customers hear back sooner.
Give experts their time back
Free analysts, underwriters and compliance officers from repetitive lookups so they can focus on the cases that need them.
Decide with the full picture
Bring client history, policies and market data together so every decision is made with the right context.
One assistant for every team in the bank.
Get to a credit decision faster
Pull financials, bureau data and past approvals into a ready-to-review credit memo, written in your bank's own template.
- Credit memo draftingA complete first draft with every figure linked to its source.
- Covenant monitoringSpot breaches the day a compliance certificate arrives.
- Approval routingKnow instantly who can sign off on any deal.
Borrower summary
Mid-market manufacturer, 14 years trading. Requesting a $4.5M term loan to fund a second production line.
Recommendation
Within appetite. Approve at Level 2 authority, subject to a 1.25x DSCR covenant.
Keep every customer file current
Check KYC files against your current requirements, see exactly what is missing and send the customer one clear request.
- KYC refreshFind gaps in a file in seconds, not hours.
- Alert investigationsDraft the case narrative from notes and account history.
- Screening summariesSanctions and adverse media results in plain language.
Periodic review
3 of 5 completeWalk into every meeting prepared
Give relationship managers a one-page brief on any client, with exposure, recent activity and what to raise next.
- Client briefsEverything you need to know before the call.
- Renewal pipelineSee which facilities are coming up and who to call first.
- Call notes to CRMTurn notes into updates and follow-ups automatically.
Harbor Logistics
Client since 2017 · Commercial banking- Working capital line is 91% drawn, up from 64% last quarter.
- Asked about FX hedging in their last two calls.
- One open service request on statement formats.
Know what every policy change means
When a policy or regulation changes, see what is different, who it affects and which procedures need updating.
- Policy answersAsk any question and get the answer with its source.
- Change trackingCompare versions and see exactly what moved.
- Committee summariesDecisions and actions from every pack, in minutes.
Two things changed in version 9. The maximum tenor is shorter, and income verification is now required for every application above $50K.
We used to spend days pulling a credit file together. Now our analysts start from a complete draft and spend their time on the decision itself.
Your data stays yours.
Anvax runs inside your environment, follows your permissions and keeps a record of every answer.
Deploy on-premises or in your private cloud. Nothing is sent outside.
Account numbers and personal IDs are removed before any AI model sees them.
People only find what they already have access to.
Sources and actions are recorded, so you can always show your work.
FAQs
Anvax pulls the financials, bureau reports, past approvals and policy references for an application into your credit memo template. Analysts start from a complete draft where every figure links back to its source, then review and refine it instead of building it from scratch.
See Anvax in action for your bank.
We will walk you through credit, KYC and client workflows on sample banking data in 30 minutes.