Shared conversations
Bring a colleague into the conversation
Share a conversation with a project so its members can follow the questions, source references, and work already done.
Workflows / Financing & credit
From borrower information to a clearer credit paper.
Bring financial statements, forecasts, and financing terms into one desktop. Work with agents on the analysis and documents, with your team reviewing the assumptions and making the credit decisions.
One borrower. From source figures to the review paper.
Follow a financing review from the incoming materials to a working analysis and a draft credit memo.
01 / Assemble the borrower materials
Start with the figures and the story behind them.
Collect the accounts, management figures, forecasts, and proposed financing terms in a project. Use the accompanying correspondence to understand the request and identify the information still needed.
02 / Build the credit analysis
Work through the numbers with their sources close by.
Use the supplied statements to update your financial workbook. Ask Vesence to help reconcile figures, explain movements, and calculate ratios against the supplied financing terms, then review the assumptions and results.
03 / Prepare the credit paper
Bring the analysis into a paper the team can review.
Draft a credit memo in your team's format using the reviewed workbook and borrower materials. Bring together the financing request, financial performance, key risks, and questions that need resolving before a decision.
Behind every step
Keep the assumptions behind the analysis visible.
Citations
Check the sources behind the analysis
Hover a citation to inspect the source material behind an explanation before using it in your credit review.
Shared projects
Bring your files and colleagues together
Create a project for the work, add the relevant files, and share it with colleagues so everyone can work from the same material.
Bring your next financing review into focus.
See how Vesence connects borrower materials, financial analysis, and the credit paper.