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

An annual review is a yearly check on a commercial relationship after the loan is booked. The credit team collects updated financial statements and tax returns, spreads them, retests covenants, looks at payment history and collateral, and confirms or changes the risk grade. The review ends with a short write-up that says whether the credit is performing as expected.

Annual reviews are separate from independent loan review, but they feed it. A current annual review is often the first thing a loan reviewer or examiner asks for.

Annual reviews compete with new deals for the same analysts and credit officers. New requests have a borrower waiting; reviews do not, so they slip. Borrowers send statements late, and every review needs a fresh spread and a write-up. A backlog builds, and the reviews that matter most are not always the ones done first.

Aarvion's portfolio monitor ranks borrowers by review priority and risk signals, so your team can see which relationships need attention first instead of working only by due date. Signals come from covenant results, payment and past-due data from your core, and changes in financials.

Before a review is due, Aarvion prepares a draft. It spreads the new financial statements with page references for the analyst to confirm, updates the debt service schedule, retests covenants and drafts the review narrative. When the financials change, the existing risk grade assignment goes stale, so the reviewer is prompted to confirm or change it.

The conclusions stay with people. The analyst confirms the spread, the credit officer edits and signs the review, and the reviewer assigns the grade with a rationale and the next review date. Aarvion prepares the work so the team spends its time on judgment.

Every AI action is checked against your bank's own credit rules: allowed, held for the right signer, blocked, or all AI stopped. Each decision is recorded with who proposed it, which rule applied, who approved it and when.

A completed annual review often leads straight into a renewal, increase or amendment. Because Aarvion covers the loan from request to repayment, the reviewed spread and grade carry into the next request, memo and approval without being rebuilt. Covenant results and reporting ticklers stay current between reviews.

Aarvion is built for credit teams at banks, credit unions and commercial lenders, and works alongside your loan platform and core. A 90-day pilot on one workflow and one loan segment, such as annual reviews for commercial real estate, is a common start.