FEXOCREDITAI / CREDIT APPRAISALS
Deeper Credit Intelligence. Faster Appraisals.
Transform fragmented borrower information into evidence-backed credit analysis and structured appraisal outputs.
- Financials
- Bank & GST
- Bureau
- Supporting Evidence
FexoCreditAI
Powered by FexoLM
- Credit Insights
- Triangulation
- Structured Appraisal Outputs
More Credit Analysis. Less Manual Preparation.
Give credit teams more time for judgment and borrower assessment, with less time spent collating, reconciling and preparing financial evidence. FexoCreditAI auto-generates 60–70% of the CAM prepared by the institution to support lending decisions.
Faster Appraisals
Reduce time spent preparing credit assessments.
Deeper Insights
Connect financial performance and risk signals across sources.
Traceable Evidence
Enable analyst review of the evidence behind observations.
Key Capabilities
Financial Analysis
Analyze financial statements, bank transactions, tax records and available bureau information.
Cross-Source Validation
Investigate differences between reported financials, GST activity and banking flows.
Credit Risk Insights
Highlight financial trends, leverage, liquidity, working-capital stress and anomalies.
Deterministic Calculations
Apply defined calculation rules for ratios, metrics and reconciliations.
Contextual Commentary
Use FexoLM to interpret financial patterns and provide evidence-linked narratives.
Structured Appraisal Inputs
Prepare substantial portions of a Credit Assessment Memo for analyst review and completion.
How FexoCreditAI Works
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Step 1: Ingest & Organize
Bring financial statements, bank and tax records, bureau information and other supported evidence – Manual upload, Folder fetch, API fetch.
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Step 2: Analyze & Triangulate
Apply defined calculations and FexoLM reasoning; surface mismatches, trends and risks.
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Step 3: Review & Complete
Review evidence-backed outputs and complete the remaining institution-specific appraisal sections.
See the Intelligence in Action
Explore a real, anonymized example of financial analysis, cross-source validation and credit appraisal preparation.
Private Intelligence. Institutionally Controlled.
Designed for regulated institutions with on-premise and private-cloud deployment options. Zero data egress applies to appropriately configured private deployments.
Ready to Accelerate Credit Appraisals?
See how FexoCreditAI can strengthen analytical depth and reduce preparation time within your institution’s credit workflows.