Re-underwrite the whole book, every cycle.
Your officers still make every credit call. The system does the continuous re-evaluation that surfaces distress 24 to 48 hours after it shows up in the data.
Every account on the book, every cycle.
Payment behavior, updated financials, public signals. Pulled nightly into a unified state with full history. Not a sample. Not the watchlist. The whole book.
Compared to baseline. Compared to peer cohort.
The judgment layer. The early-warning intuition a senior credit officer carries in their head, codified into a model that runs on every account, every cycle.
Loan #LN-4609 · tracking baseline
Payment timing on-pattern. Balances and DSCR within expected range.
Loan #LN-4821 · payment timing slipping
Three consecutive payments arriving 4 to 7 days later than the 24-month average. Borrower is still inside grace, but the pattern broke this cycle.
Loan #LN-5117 · financial ratio deterioration
DSCR moved 1.42 to 1.08 over two quarters on updated financials. Now below peer cohort median for the same industry and vintage.
Loan #LN-5263 · public signal
UCC filing this week against the operating entity by a new senior secured lender. Not in the file at origination, not disclosed by borrower.
Every account re-graded. Not just at origination.
The institution's existing risk framework is applied to the current state of the loan on every refresh. Same rubric the credit committee uses. Different inputs every cycle.
Loan #LN-5117
CRE term · light industrial · vintage 2023
Pass · DSCR 1.42 · trailing 12-month revenue trend positive · clean public record.
Special mention · DSCR 1.08 · payment timing slipped · peer cohort median deteriorating.
Only what materially changed. The noise is suppressed.
Most accounts are fine, every cycle. The thresholds capture what the credit officer cares about and drop everything else. The point is fewer pings, not more.
Accounts re-checked this cycle
Every account on the book, refreshed against last night's data pull.
Accounts with any data movement
Suppressed at the alert layer. Logged but not surfaced. Available on demand in the audit trail.
Material changes crossing threshold
Drift severity, rating-band crossings, policy ratio breaches, public-record events on the obligor.
Surfaced for officer attention
Watch brief generated for each. Routed to the portfolio or credit officer who owns the relationship.
A one-page brief lands with the officer who owns it.
What changed, why it matters, what action is on the table. Framed for the credit officer to decide. The system never moves on the borrower on its own.
Loan #LN-5117
CRE term · light industrial · for officer decision
What changed this cycle
- DSCR moved 1.42 to 1.08 on updated trailing financials.
- Three consecutive payments arrived 4 to 7 days late after 24 months on-pattern.
- Industry peer cohort median DSCR declined 14 percent over the same window.
- Internal risk grade re-scored: 3 (pass) to 5 (special mention), pending officer sign-off.
Why it matters
- The borrower is still current. The pattern, not the payment, is the early signal.
- Peer cohort deterioration suggests an industry input, not borrower-specific behavior.
- If the trend continues one more quarter, the loan crosses the policy DSCR floor.
Questions for the borrower call
- What is driving the revenue softness in the trailing two quarters?
- Has the customer concentration changed since the last review?
- What is the working capital cushion through the next two payment cycles?
The system surfaces. The officer decides. No rating change, watchlist move, covenant call, or borrower contact happens until the officer signs off. Fair-lending and adverse-action review attached to every decision in the audit trail.
Every cycle sharpens the early-warning model.
This is the part that does not exist at origination-only banks. The book is re-underwritten continuously. Every officer dismissal, every confirmed deterioration, every false positive feeds back into the drift model. Cycle two is sharper than cycle one. Cycle twelve is sharper still.
Continuous re-underwriting cycle
Runs nightly on the whole book. Officer feedback compounds.
Initial thresholds. Officer dismisses 6 as cohort noise.
Cohort noise patterns learned. Fewer false positives.
Earlier signals catch deterioration before delinquency.
Steady-state. Each alert is materially higher quality.
cycle 25
begins
Same officers. Distress shows up before delinquency.
Your credit officers still make every call on every borrower. They just get the early-warning brief weeks before the next monthly close would have shown it.
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