Template-defined structure
Sections, per-section analytical intents, regulatory domain coverage, and plain-language mandates come from your program's memo template - versioned, and snapshotted when a project memo is created.
§ Platform - CORE Credit Memos
CORE Credit Memos: approved judgment, documented with evidence.
There is no fixed memo. Your program defines its own memo templates - sections, analytical intents, regulatory domain coverage, section mandates, output structure - and CORE routes each section through the right specialist, evidence package, program rules, and review path before it becomes memo language. The model proposes; the analyst accepts, edits, or rejects under cite-or-decline controls.
The section determines the team, the evidence, and the rules.
A repayment section, collateral section, eligibility section, and risk section should not be drafted by the same undifferentiated AI call. CORE assembles the support package at runtime: accepted facts, source files, prior sections, internal credit policy, platform regulatory context, section mandate, and writing standards. The analyst assembles the evidence; the receipt proves what the model saw.
Section -> analyst pair -> policy + regulatory support -> proposal§ Program Controls
What happens before a sentence is proposed.
Locked or flexible, heading by heading
Every heading in the template is individually locked or flexible. Lock the outline, or let the model expand it - heading by heading, the analyst decides where model judgment is permitted.
Analyst + supervisor pair
Each program can route section work to a specialist analyst and supervisor pattern, so drafting and review follow the credit shop's operating model.
Credit policy agent
CORE brings the tenant's underwriting program, covenants, thresholds, risk weights, and credit-policy overlay into the section package.
Regulatory agent
The platform regulatory layer retrieves the dated rule chunks that belong to the section's intent, with citations preserved.
Runtime support package
The draft receives evidence, tables, policy context, regulatory context, prior sections, analyst notes, and the section mandate.
Analyst-owned proposal
The model proposes memo language. The analyst accepts, edits, or rejects it before it becomes the memo record.
Generation trace
Routing, inputs, model, prompt package, output, proposal, and human decision are preserved so the work can be replayed later. Risk evaluates the policy; the memo inherits the result - it cannot recalculate its way around it.
Product Proof
Govern the evidence, the review, and the final record.
Credit memo proof should show control—not disclose the underlying borrower narrative. Each chapter isolates the institutional job and keeps deal-specific content redacted.
01
Evidence package
Assemble governed evidence.
The analyst chooses the documents, representations, forms, tables, policy results, and other evidence that a section may use before generation begins.
- Evidence scope is visible before drafting.
- Representation choice and package readiness remain analyst-controlled.
Redacted product view · representative workflowSelected evidenceGeneration readiness
02
Section review
Review the decision section by section.
Approved narrative, proposals, advisory flags, versions, generation history, and citations remain together in the review workspace.
- Borrower narrative is intentionally obscured in the public proof.
- The review structure—not confidential credit content—is the point.
Redacted product view · representative workflowApproved sectionReplayable review history
03
Institutional output
Finalize the institutional record.
Completed sections become a controlled document with cover, disclaimer, watermark, citations, table of contents, and governed PDF or DOCX export.
- Output controls remain attached to the memo record.
- The public crop proves finalization without exposing the full memo.
Redacted product view · representative workflowCitations and watermarkPDF and DOCX export
§ Fit
One judgment engine. Any credit program.
Conventional, private credit, government-guaranteed, or specialty: each program configures its own evidence, policy, analysis, reviewers, and outputs without rebuilding the platform.
01
Section-level routing by program, analytical intent, evidence need, and reviewer role
02
Configurable analyst and supervisor review patterns for each credit program
03
Tenant credit policy support for thresholds, covenants, scorecards, exceptions, overlays, and risk weights
04
Optional regulatory and program-rule context, with dated source material and citations preserved
05
Accepted facts, source files, tables, prior decisions, and analyst notes assembled for generation
06
Multiple memo and deliverable templates under one borrower file
07
Generation receipts preserving the evidence package, policy, model, proposal, and human action
08
Risk decisions carry into the memo instead of being rediscovered or overridden during generation
§ Path
How a memo section moves
Lock the section
The analyst chooses the section, evidence set, instructions, and review mode before generation starts.
Summon the support
CORE resolves the analyst pair, credit policy context, regulatory context, evidence, prior sections, and section mandate.
Draft the proposal
The generation engine drafts from scoped evidence, policy rules, and cited regulations. Large evidence packs are planned and chunked instead of silently dropping files.
Review and roll up
The analyst accepts, edits, or rejects the proposal. Supervisor review can then pressure-test the memo across sections.
§ In Depth
What credit memo generation software should actually do.
A credit memo is a decision record, not a document to fill in
Generic AI writing tools treat the memo as prose to be produced. Credit teams know better: the memo is the durable record of an underwriting decision, and it has to survive committee questions, investor diligence, and examination years later. That is why CORE Credit Memos drafts from the approved underwriting and risk state — confirmed spreads, bound policy results, resolved risk decisions — rather than rediscovering or recalculating around what the analyst already decided.
The model proposes memo language. The analyst accepts, edits, or rejects it. That boundary is structural, not a checkbox.
Program-specific, because no two credit shops write the same memo
There is no fixed memo in CORE. Each program defines its own memo templates — sections, per-section analytical intents, regulatory domain coverage, mandates, and output structure — versioned and snapshotted when a project memo is created. Headings are individually locked or flexible, so the analyst decides where model judgment is permitted, heading by heading.
A repayment section, a collateral section, and an eligibility section are not drafted by one undifferentiated AI call: each section resolves its own evidence package, policy context, regulatory context, and reviewer path before a sentence is proposed.
Citations or silence
Every generated claim operates under cite-or-decline controls: the draft is grounded in accepted facts, source documents, tenant credit policy, and dated regulatory material, with citations preserved. Generation receipts record the routing, inputs, model, prompt package, output, and the human decision — so the work can be replayed when someone asks how a conclusion was reached.
Where memo generation sits in the lifecycle
Memo drafting is the last step of a governed chain, not a shortcut around it: collected documents become evidence, evidence becomes confirmed spreads, spreads meet the credit box in underwriting, risk work ends in memo decisions, and the memo inherits those decisions.
§ Next Step
Bring the section your team hates drafting.
We will show how CORE routes it, grounds it, reviews it, and keeps the decision trail intact.