5 business days
Editable credit memo, financial schedules and documented exceptions for a complete, accepted standard case.
FOR CREDIT UNIONS, CUSOS & COMMUNITY LENDERS
Commercial credit analyst capacity. On demand.
Clear your annual review backlog without adding permanent headcount. A18 prepares credit memoranda, financial spreads and exception workpapers in your institution's format, with senior credit analyst oversight. Your team keeps credit approval authority.
5-business-day standard reviewsTwo-review pilotNo new softwareYour policy. Your approval.
A18 / ANNUAL CREDIT REVIEWFICTIONAL EXAMPLE
BORROWER RELATIONSHIP · FY2025
Juniper Valley Service Group
Operating company and related property affiliate
Credit union exposure$1.554M
Borrower-group DSCR1.45x
Material issue identified
Read the example Finance lease payments were omitted from management's debt-service summary. Including them reduces modeled borrower-group coverage from 1.78x to 1.45x; guarantor-level global capacity remains unverified.
Senior-reviewed fictional example
OVERFLOW SUPPORT, NOT ANOTHER DASHBOARD
Workpapers ready for your credit team to review.
Tell us your backlog and format requirements. After secure customer onboarding, we can receive authorized borrower records to prepare the first pass, reconcile the analysis and flag what still requires lender judgment.
WORD
Annual credit review
Editable credit narrative, a provisional analyst conclusion, risk discussion and documented open conditions in your preferred memo format.
EXCEL
Financial schedules
Financial spreads, borrower-group cash flow, debt service reconciliation and covenant calculations, with missing guarantor evidence flagged.
REVIEW
Evidence & exceptions
Evidence references, material questions, calculation checks, and clearly separated reviewer approval status.
How it works: 1. Agree on two reviews and a fixed scope. 2. Complete secure onboarding and share authorized borrower documents through an agreed private channel. 3. Receive editable workpapers and an exceptions register for your credit officer. The institution retains risk-rating and approval authority.
SERVICE COMMITMENTS FOR ACCEPTED CASES
A clear delivery date. No black box.
We agree to a scope, turnaround and review standard before work begins. Your team gets workpapers to review, not an unfinished AI output.
7 business days
Additional time for borrower groups, related entities and guarantor analysis. Scope and delivery date confirmed when accepted.
1 business dayInitial file completeness review and missing-document list
1 business dayResponse to questions about an active engagement
2 business daysCorrection of in-scope A18 workpaper errors after notice
Every fileSenior credit analyst review before delivery
How the clock works: Timelines begin once A18 accepts the scope and complete required package. Business days exclude weekends and U.S. federal banking holidays. Missing documentation, lender decisions or material scope changes can pause or reset the clock, with the revised date communicated. Exact service levels, case volume and any exceptions are confirmed in the engagement agreement. The credit union retains credit approval authority.
BORROWER DATA PROTECTION
Your borrowers' information matters.
We approach borrower financial statements, tax returns, guarantor information and other credit documents with confidentiality and careful data handling in mind. Before any engagement, your institution can review how we address secure transfer, access, AI processing, third-party providers, retention and incident response.
Review security and privacy practicesInstitution-approved upload
Real borrower records will be transferred through a private channel after security and contractual onboarding, not through the public conversation form.
Customer data stays controlled
Agreed reviewer access, data locations, model and subprocessor use, training restrictions, and permitted purposes.
Review before engaging
Your security and compliance teams can discuss relevant safeguards, documentation and contractual requirements before sharing confidential records.
Have commercial annual reviews waiting to get done?
Tell us how many files you need completed and when. We'll discuss a two-review pilot, scope, fee and turnaround. No borrower files or software setup are needed for the first conversation.
Request a 15-minute conversation