Transforming Commercial Credit Processes with AI

In today’s competitive financial landscape, timing is everything. The ability to quickly and accurately underwrite commercial loan applications or process annual reviews is critical. Yet, commercial account managers and credit departments face growing challenges: time-consuming manual tasks, increasingly complex financial analysis, and rising expectations for personalized client service. Meeting these demands while driving growth can seem daunting—but AI-driven solutions are here to help.

The Challenges of Commercial Account Management

Managing commercial loan applications and annual review processes requires juggling multiple priorities:

• Processing and analyzing financial data from diverse sources such as financial statements, tax returns, property appraisals, and bank statements.
• Generating accurate financial ratios, cash flow analyses, and other critical metrics.
• Maintaining compliance with stringent regulatory requirements.
• Delivering timely and personalized client service.

Traditional methods often result in inefficiencies, human error, and limited capacity for strategic growth. For financial institutions striving to compete, a smarter approach is essential.

Artificial Intelligence: Your Competitive Advantage

Generative AI transforms commercial account management by streamlining workflows and automating key processes. From reducing the overhead of data extraction to automating credit memo generation, AI saves time, improves accuracy, and enhances client service.

What Can AI Do for You?

1. Automated Data Extraction
   Extract financial data from documents like tax returns, bank statements, and financial reports, consolidating it into organized data that aligns with your existing forms and processes. Say goodbye to manual data entry.
2. Streamlined Financial Analysis
   Effortlessly calculate key financial ratios, such as Debt Coverage Ratio (DCR) and Loan-to-Value Ratio (LTV). AI highlights trends and variances, offering deep insights for better decision-making.
3. Automated Credit Memos
   Generate detailed credit memos summarizing financial insights, metrics, and recommendations—empowering commercial departments to make faster, more informed decisions from increasingly accurate documentation.
4. Advanced Cash Flow Analytics
   Perform cash flow analysis and projections, enabling accurate assessments of a client’s financial health and future prospects.
5. Robust Reporting and Compliance
   Centralized reporting ensures consistent, audit-ready documentation while advanced security measures safeguard sensitive data.

Delivering Real Results

AI-driven solutions provide measurable benefits that boost efficiency and growth:

• Time Savings: Automate labor-intensive tasks, resulting in significant annual staff time savings.
• Enhanced Risk Assessment: Improve credit decisions with precise financial insights, reducing credit losses.
• Increased Loan Growth: Free commercial account managers to focus on strategic initiatives and expanding the business.
• Improved Client Experience: Accelerate loan decisions and provide personalized service, strengthening client relationships.

CAM-Pilot: Your Commercial Account Manager Co-Pilot

Developed by yPilot, CAM-Pilot is an AI-powered solution specifically designed for credit unions and banks. Secure, scalable, and SaaS-based, CAM-Pilot integrates seamlessly into your workflows to deliver smarter account management.

Scalable and Future-Ready

CAM-Pilot’s modular design ensures it evolves with your institution’s needs. Upcoming features include:

• Consolidated financial reporting for multi-entity borrowers.
• Automated population of loan applications and review documents.
• Integration with core banking systems and loan origination software.

Unlock the Future of Account Management

With CAM-Pilot, commercial account management becomes smarter, faster, and more effective. Empower your team to achieve more while driving growth and strengthening client relationships.

Ready to transform your commercial credit processes? Talk to us about CAM-Pilot and schedule a demo today.