Annual and
Periodic Reviews
Financial statement analysis, industry commentary, risk rating recommendation and the written credit memo, delivered on schedule with weekly completion reporting.
THE CHALLENGE
Growing Credit Portfolios
Create Operational Pressure
Growing portfolios, tighter teams and rising supervisory expectations slow annual reviews, financial spreading and covenant monitoring, increasing operational risk.
Anaptyss delivers managed credit risk operations aligned to your credit policy and executed in your systems. We extend your team's capacity with trained analysts, transparent reporting and audit ready delivery.
OUR SOLUTION
Managed Credit Operations,
Built for Scale
Annual reviews, financial spreading, covenant monitoring and portfolio support are delivered by trained credit specialists. Anaptyss's proprietary digital platforms automate document-intensive and repetitive work, while your credit officers retain every credit decision.
Explore Our AI SolutionsWHAT WE DO
Growing Credit Portfolios
Create Operational Pressure
Annual and
Financial
Spreading
Tax returns, audited statements and interim financials spread to your conventions and entered in your system, including global cash flow and guarantor analysis.
Underwriting
Support
Credit memo preparation, term sheet drafting support, risk based pricing input and policy exception tracking across SME and middle market lending.
Risk Rating and
Grading
Probability of default and loss given default input, rating recommendations against your framework, and the supporting rationale for each grade.
Covenant Testing
and Monitoring
Covenant registers built from the executed credit agreement, scheduled compliance testing, breach identification with evidence, and amendment tracking.
Portfolio Monitoring
and Early Warning
Delinquency pattern analysis, watch list maintenance, concentration reporting and trigger based alerts routed to the relationship team.
Credit Policy and
Regulatory Support
Policy documentation and updates, internal rating framework support, examination preparation and remediation against an agreed plan.
Risk Modelling
and Analytics
Credit scoring model development and validation, stress testing, risk segmentation and ongoing model performance monitoring.
OUR APPROACH
Delivered Through Digital Knowledge Operations
Credit work moves to us the way it would move between two of your own teams.
We document the process first, train against it, and run it under measured quality control.
01
Your Policy Becomes
Our Standard
We document your credit policy, rating framework, spreading conventions and exception rules before the first file is touched. Our analysts are trained and tested against that standard, which is updated whenever your policy changes.
02
A Named Team,
Not a Shared Pool
You work with the same analysts, team lead and quality reviewer throughout the engagement. They learn your portfolio, borrowers and systems, and complete work directly in your loan origination system, spreading tool and document repository.
03
Our Platforms
Carry the Volume
Proprietary platforms automate financial spreading, covenant extraction, document processing and control testing. CovenAce, Index AI and ANA reduce repetitive work, improve consistency and support quality throughout the engagement.
04
Analysts Hold the
Judgement
Analysts perform the analysis, prepare recommendations and write the credit memo, while your credit officers retain every credit decision. Each completed file includes the supporting inputs, analysis, reviewer and date, creating an audit-ready record from day one.
What Improves for
Your Team
Growing Credit Portfolios Create Operational Pressure
Credit work moves to us the way it would move between two of your own teams.
We document the process first, train against it, and run it under measured quality control.
Annual and periodic reviews are completed on time, with weekly reporting against agreed service levels.
Analysts Return to Judgement Work
Examinations Become Predictable
Capacity Flexes with the Book
OUTCOMES
Results from banks
and lenders
who moved credit
operations to
Anaptyss.
Long formWhitepapers
Layered research on governance, model risk, and controls.
WeeklyBlog
Short signals from teams building AI inside regulated walls.
Practitioner guideseBooks
Step-by-step playbooks you can hand to an operating team.
Live & on demandWebinars
Sessions with practitioners, broadcast and archived.
Start with
a Credit Operations Review
We will review your current workload, credit policy and systems, then outline how
a managed team can improve capacity, quality and turnaround.