Banks
Bring borrower financials, facility agreements, and client correspondence into one desktop. Prepare credit papers, work through covenant reviews, and organize onboarding files with the supporting documents close at hand.
Bring these borrower financials into our credit analysis workbook
Draft the financial analysis section of this credit memo
Compare this year's accounts with last year's figures
List the missing information for the annual credit review
Summarize the borrower's debt maturities from these documents
Prepare a borrower overview using our credit template
Bring these borrower financials into our credit analysis workbook
Draft the financial analysis section of this credit memo
Compare this year's accounts with last year's figures
List the missing information for the annual credit review
Summarize the borrower's debt maturities from these documents
Prepare a borrower overview using our credit template
Bring these borrower financials into our credit analysis workbook
Draft the financial analysis section of this credit memo
Compare this year's accounts with last year's figures
List the missing information for the annual credit review
Summarize the borrower's debt maturities from these documents
Prepare a borrower overview using our credit template
Bring these borrower financials into our credit analysis workbook
Draft the financial analysis section of this credit memo
Compare this year's accounts with last year's figures
List the missing information for the annual credit review
Summarize the borrower's debt maturities from these documents
Prepare a borrower overview using our credit template
Bring these borrower financials into our credit analysis workbook
Draft the financial analysis section of this credit memo
Compare this year's accounts with last year's figures
List the missing information for the annual credit review
Summarize the borrower's debt maturities from these documents
Prepare a borrower overview using our credit template
Bring these borrower financials into our credit analysis workbook
Draft the financial analysis section of this credit memo
Compare this year's accounts with last year's figures
List the missing information for the annual credit review
Summarize the borrower's debt maturities from these documents
Prepare a borrower overview using our credit template
Extract covenant definitions and thresholds from the facility agreement
Update the covenant workbook with the latest borrower figures
Compare the compliance certificate with the supporting accounts
Show the headroom against each agreed covenant threshold
Draft a review note with the calculation assumptions
Prepare questions about the gaps in this reporting package
Extract covenant definitions and thresholds from the facility agreement
Update the covenant workbook with the latest borrower figures
Compare the compliance certificate with the supporting accounts
Show the headroom against each agreed covenant threshold
Draft a review note with the calculation assumptions
Prepare questions about the gaps in this reporting package
Extract covenant definitions and thresholds from the facility agreement
Update the covenant workbook with the latest borrower figures
Compare the compliance certificate with the supporting accounts
Show the headroom against each agreed covenant threshold
Draft a review note with the calculation assumptions
Prepare questions about the gaps in this reporting package
Extract covenant definitions and thresholds from the facility agreement
Update the covenant workbook with the latest borrower figures
Compare the compliance certificate with the supporting accounts
Show the headroom against each agreed covenant threshold
Draft a review note with the calculation assumptions
Prepare questions about the gaps in this reporting package
Extract covenant definitions and thresholds from the facility agreement
Update the covenant workbook with the latest borrower figures
Compare the compliance certificate with the supporting accounts
Show the headroom against each agreed covenant threshold
Draft a review note with the calculation assumptions
Prepare questions about the gaps in this reporting package
Extract covenant definitions and thresholds from the facility agreement
Update the covenant workbook with the latest borrower figures
Compare the compliance certificate with the supporting accounts
Show the headroom against each agreed covenant threshold
Draft a review note with the calculation assumptions
Prepare questions about the gaps in this reporting package
Organize these corporate records for the KYC review
Build an ownership summary from the supplied company documents
Compare this client file with our onboarding checklist
Flag inconsistent company names across the supplied records
Create a tracker of the documents still needed from the client
Draft a follow-up email requesting the missing onboarding documents
Organize these corporate records for the KYC review
Build an ownership summary from the supplied company documents
Compare this client file with our onboarding checklist
Flag inconsistent company names across the supplied records
Create a tracker of the documents still needed from the client
Draft a follow-up email requesting the missing onboarding documents
Organize these corporate records for the KYC review
Build an ownership summary from the supplied company documents
Compare this client file with our onboarding checklist
Flag inconsistent company names across the supplied records
Create a tracker of the documents still needed from the client
Draft a follow-up email requesting the missing onboarding documents
Organize these corporate records for the KYC review
Build an ownership summary from the supplied company documents
Compare this client file with our onboarding checklist
Flag inconsistent company names across the supplied records
Create a tracker of the documents still needed from the client
Draft a follow-up email requesting the missing onboarding documents
Organize these corporate records for the KYC review
Build an ownership summary from the supplied company documents
Compare this client file with our onboarding checklist
Flag inconsistent company names across the supplied records
Create a tracker of the documents still needed from the client
Draft a follow-up email requesting the missing onboarding documents
Organize these corporate records for the KYC review
Build an ownership summary from the supplied company documents
Compare this client file with our onboarding checklist
Flag inconsistent company names across the supplied records
Create a tracker of the documents still needed from the client
Draft a follow-up email requesting the missing onboarding documents
From client documents to the next review
Turn borrower financials into a first credit memo
Start with the annual accounts, management figures, and your bank's credit template. Vesence brings the financials into a working spreadsheet, highlights period-on-period movements, and drafts the borrower overview and financial analysis in Word. Keep assumptions and missing information visible for the credit team's review.
Work through the covenant review with the agreement beside you
Bring together the facility agreement, compliance certificate, and latest borrower figures. Vesence extracts the agreed definitions and thresholds, updates your covenant workbook, and drafts a review note showing headroom and items to investigate. Your team checks the calculations and interprets the terms before reaching a conclusion.
Check the paper before it goes to review
Review the wording, numbering, defined terms, and cross-references in credit papers and facility documents. Work through the suggested fixes before circulating the next draft.
Keep the memo, model, and email together
Work across Word, Excel, PowerPoint, and Outlook from the same desktop. Bring the borrower documents and your team's working files into the task.
See what changed in the next draft
Review proposed document edits as tracked changes, and compare revisions before accepting them. The final credit paper and client communication stay with your team.
Build the client file and identify what is missing
Use the supplied company records, ownership documents, and your onboarding checklist to prepare the Know Your Customer file. Vesence organizes the material, builds an ownership summary, and lists missing or inconsistent information in a tracker. Draft the follow-up email from that list for your onboarding team to review.
The same desktop behind every task
The client file. One working context.
Keep the financial statements, facility documents, review notes, and correspondence in the same project. Direct agents across the files your team is working on, from the first information request to the next review paper.
Explore Vesence DesktopKeep the supporting material close
Organize borrower documents and working spreadsheets together so colleagues can return to the same source material.
Start from your bank's templates
Bring the credit format, onboarding checklist, and review instructions your team already uses.
Prepare the handover
Share the working project, capture open questions, and prepare review papers and follow-up drafts for colleagues.
Bring the next client review into focus.
See Vesence Desktop in action.