Credit Intelligence
Portfolio Risk & Policy Alignment
Deterministic policy signals identifying which deals need authority escalation, exception documentation, or immediate attention before a decision can be defended.
Analysis Templates
Governed credit analysis prompt library
Analysis Run Log
All AI-generated credit analysis drafts
Review Queue
Human review & approval workflow
Total Decisions
17
8 of 17 analyzed
Authority Required
2
Policy fail or DSCR below 1.0x floor
Exception Review
0
No borderline decisions
Avg Portfolio DSCR
2.40x
Policy compliant
Policy Compliance
67%
6 pass · 2 fail
Authority Review Required
2 deals with hard policy failures or DSCR below 1.0x floor. These decisions cannot be defended without escalation or formal decline.
2 CRITICAL
Blue Ridge Equipment Replacement LoanCRITICAL
DeclinedEquipment Loan$1.40M
Decline or exception documentation required
Flagged: policy failure
DSCR
1.74x
Policy
FAIL
Coastal Restaurant & Event Venue LoanCRITICAL
DeclinedTerm Loan$2.20M
Decline or exception documentation required
Flagged: policy failure
DSCR
1.31x
Policy
FAIL
Stable Portfolio
7 deals meeting standard credit policy. No exception required.
7 STABLE
Valley Ridge Equipment & Operations Loan
DeclinedTerm Loan$1.50M
—
DSCR
Volunteer Storage Acquisition Term Loan
ClosedTerm Loan$1.85M
2.78x
DSCR
Appalachian Fleet Expansion Loan
ApprovedEquipment Loan$1.80M
2.02x
DSCR
Summit Mixed-Use Acquisition Loan
ApprovedTerm Loan$3.50M
1.81x
DSCR
Lakefront Storage Facility Term Loan
ApprovedTerm Loan$4.20M
2.82x
DSCR
Cascade Medical Practice Acquisition Loan
ClosedTerm Loan$2.50M
3.51x
DSCR
Meridian Equipment Term Loan
ClosedEquipment Loan$3.20M
3.22x
DSCR
Pending Analysis
Apex HVAC Expansion
ApprovedTerm Loan
Red River Fleet Equipment
DeclinedEquipment Loan
Summit Outdoor Supply Revolver
DraftRevolver
Cedar Ridge Dental Acquisition
ApprovedTerm Loan
Coastal Hospitality Renovation
DraftCre Loan
Volunteer Storage Phase I
DraftCre Loan
Cumberland Regional Term Facility
DraftTerm Loan
Cumberland Regional Term Facility
DraftTerm Loan
Risk Distribution
High Risk (DSCR < 1.00x)
0
0%
Medium Risk (DSCR 1.00–1.25x)
0
0%
Low Risk (DSCR ≥ 1.25x)
8
47%
Not Analyzed
9
53%
Borrower Exposure
Blue Ridge Fabrication Co. LLC
3 deals · $25.40M exposure
1.74x
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Coastal Hospitality Group, LLC
1 deal · $7.50M exposure
—
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Lakefront Self-Storage Partners LLC
1 deal · $4.20M exposure
2.82x
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Volunteer Self-Storage Partners, LLC
1 deal · $4.20M exposure
—
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Summit Commercial Properties LP
1 deal · $3.50M exposure
1.81x
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Meridian Industrial Holdings LLC
1 deal · $3.20M exposure
3.22x
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Apex Mechanical Services, Inc.
1 deal · $2.85M exposure
—
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Cascade Regional Medical Partners LLC
1 deal · $2.50M exposure
3.51x
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Coastal Hospitality Ventures LLC
1 deal · $2.20M exposure
1.31x
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Red River Logistics, Inc.
1 deal · $1.90M exposure
—
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8 of 17 deals have completed financial analysis. Financial analysis produces the deterministic model output. Policy evaluation applies credit standards. Intelligence generates the structured narrative for the credit memo.
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