Volume doesn’t scale
Thousands of memos a year — manual preparation can’t keep pace with portfolio growth.
Credit memo preparation consumes hours of senior analyst time per case. Ovado’s multi-agent workflow brings it down to minutes — wrapping your existing systems, filling your existing template, built for MSME and corporate underwriting at scale.
Five structural pressures every credit team faces, every day.
Thousands of memos a year — manual preparation can’t keep pace with portfolio growth.
Ten-plus source types per case. Analysts spend more time collating than analysing.
Same borrower, different memos. Inconsistency creates audit risk and rework.
Policy checks at the end of the process mean errors surface late and rework balloons.
Sanction speed is capped by analyst bandwidth — borrowers choose whoever moves first.
From document upload to audit-ready memo — automated, with a human officer signing off.
Borrower documents uploaded or pulled — financials, bank statements, registrations, existing exposures.
Any source, one queueStructured data extracted and enriched from corporate registries, bureau data, and your internal systems.
Registry + bureau + internalFinancial analysis, exposure summary, and risk narrative drafted — consistent structure, every time.
Audit-ready draftEvery figure and clause validated against your credit policy — breaches flagged inline before review.
Approve · Flag · ExplainThe credit officer reviews, adjusts, and signs off — judgment stays human, drafting doesn’t.
Officer sign-off$ registry_agent.execute(company_id="…206431") → MCP handshake ✓ → Corporate registry: profile fetched ✓ → Charges: 5 open · $3.2M total ⚠ flagged → Litigation & insolvency scan: clear ✓ → Writing to memo · Section C ✓ ✓ Enrichment complete · every call audit-logged
The workflow runs on Model Context Protocol — each data source wrapped once, reused by every agent, with one auth layer and one audit trail underneath.
The drafting agent reads your existing memo template and fills every section, table, and field — so credit committees review the document they already know.
Agents draft and check; credit officers decide. Every sanction carries a human signature.
Each number in the memo links back to the document or system it came from — reviewable in one click.
Borrower data never leaves your infrastructure — on-premise and private cloud deployment.
Core banking, bureau, and registry integrations via MCP — no rip-and-replace, no re-keying.
No — it removes the collation and drafting burden so analysts spend their time on judgment: structuring, pricing, and the hard cases.
Yes — that’s the point. The agent fills your existing format, so committees and auditors see the document they already know.
The policy-check agent flags every breach inline with the rule it violates. Nothing is hidden, and nothing proceeds without an officer’s decision.
Uploaded documents, corporate registries, credit bureaus, and your internal systems — each wrapped once as an MCP server and reused across every memo.
The workflow flags gaps explicitly and drafts around what exists — analysts see exactly what’s missing instead of discovering it mid-review.
Bring one anonymised case file to the demo — watch the memo assemble itself in your template.
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