Risk OS · Commercial Credit

Every commercial loan,
request to repayment.

New facilities, increases, renewals, drawdowns and amendments, across working capital, term loans, equipment, commercial real estate, construction and letters of credit.

Book a demo

One loan, one week, start to finish.

Monday, 8:12 am
A request comes in.
Meridian Packaging wants a $750k increase on its revolver. The relationship manager writes one sentence and points to the client's folder. Aarvion builds the application and lists what's missing.
Monday, 11:30 am
The numbers are spread.
Three years of statements are spread with page references. Your policy tests run, the debt schedule is built, and an analyst confirms the figures.
Tuesday
The memo is written.
A full credit memo and committee pack, drafted from the confirmed spread and the source documents. Your credit officer edits it, not starts it.
Wednesday
The right person decides.
The approval routes through your delegated authority matrix. If the amount needs the board committee, a credit officer can't sign it alone.
Every quarter after
The loan is watched.
Covenants are tested as certificates arrive, past-dues surface on their own, and next year's review is drafted before it's due.

New credit request assembled from a folder of client documents

Underwriting list with policy status and risk grade for each request

Credit memorandum drafted for a commercial loan

Authority matrix routing a loan to the board credit committee

Covenant register showing breaches and headroom

Everything a commercial credit team does, in one place.

Intake & KYC: Describe the request and point to the documents. The application and checklist build themselves.
Spreading & analysis: Financials spread with page references, policy tests and a debt service schedule, confirmed by an analyst.
Credit memo: Memo and committee pack drafted from the confirmed spread and sources, edited by your credit officer.
Risk grading: A proposed grade kept apart from the grade your reviewer assigns, and flagged when the facts change.
Decision & authority: Every approval routed through your delegated authority matrix.
Closing & booking: Approved, signed and booked terms compared line by line before anything reaches core.
Servicing & covenants: Payments, covenant tests, waivers and certificates, with breaches and past-dues surfaced.
Monitoring & annual reviews: Borrowers ranked by risk signals, with next year's review drafted before it's due.

Go deeper on each part of the loan.

Loan spreading

Commercial loan spreading software your analysts can check

Credit memo

Credit memo software that drafts from your confirmed spread

Risk rating

Loan risk rating software that keeps the reviewer's grade

Approvals & authority

Credit approval workflow built on your delegated authority

Covenant monitoring

Loan covenant tracking software for commercial portfolios

Annual loan reviews

Annual loan review software that drafts reviews before they're due

A hand signing a document with a fountain pen

Your credit policy,
on every step.

Before the AI changes a grade, proposes a line change or touches borrower data, Aarvion checks it against your bank's own rules. Risk signs off on the rules once. Every decision after carries a person's name.

Allow: inside your rules, so it runs
Hold: sent to the right signer, with the reason
Block: outside your rules, so it never runs
Stop all: one switch pauses every AI in the bank

How the controls work

Wednesday, 3:41 pm · Lakeview Hotels

The memo AI proposes moving the grade from BB+ to BB−.

That's two steps. Your policy lets an analyst move one, and the borrower is on the watch list.

HOLDSent to a senior credit officer.

Recorded with the rule that applied, the evidence and who signed. Illustrative example.

Your borrowers keep building.
Keep up with them.

Book a demo founders@aarvion.ai

Every commercial loan,request to repayment.

One loan, one week, start to finish.

A request comes in.

The numbers are spread.

The memo is written.

The right person decides.

The loan is watched.

Everything a commercial credit team does, in one place.

Go deeper on each part of the loan.

Your credit policy,on every step.

Your borrowers keep building.Keep up with them.

Every commercial loan,
request to repayment.

Your credit policy,
on every step.

Your borrowers keep building.
Keep up with them.