AICA Underwriting & Due Diligence Agent
Your analyst does the reading. You make the decision.
The agent reads every return, statement and filing, questions what does not add up, and hands you a sourced draft. Your team spends its time on judgement, not on data collection.
- Read GST returnsRevenue, growth and top customers
- Read bank statements6 accounts · 12,896 transactions
- Reconciled GST with bank credits2 balance mismatches found
- Checked legal casesCompany and 4 directors · 5 cases
- Tested the case against your policyDeviations cited to the clause
- Drafted the one pagerEvery figure linked to its source
01Read
Every document read, so nobody has to.
GST returns, bank statements and audited financials are read and laid out side by side, month by month, account by account.
An analyst exports statements into spreadsheets and rebuilds the numbers by hand.
Revenue, growth, balances and missing days are ready when the analyst opens the case.
- GST revenue and month-on-month growth
- Every bank account: balances, limits, transactions
- Missing statement days flagged per account
02Question
It questions the numbers the way your best analyst would.
The agent reconciles sources against each other and checks every party behind the business, then surfaces only what needs a human look.
Mismatches and old cases surface late, often after the credit note is written.
Gaps are flagged with the exact dates, amounts and sources, before anyone writes a word.
- Debt and net-worth reconciled across bank and financials
- Balance mismatches with the dates they occur
- Legal cases against the company and its directors, with case details
03Decide
A sourced draft, ready for your judgement.
Every case is tested against your credit policy and drafted into the format your committee already uses. Your team reviews, edits and signs.
Hours go into formatting the memo, leaving little time to challenge it.
A one pager in your template, each figure traceable to its source, ready to edit.
- Deviations cited to your policy clause
- One pager and credit report in your format
- Edit, comment and export to PDF
Ask AICA
Ask about any borrower. Get an answer with receipts.
- Which bank accounts have balance mismatches, and when?
- Summarise the legal cases against the directors.
- How has GST revenue moved over the last 12 months?
- Does this case deviate from our credit policy?
Every answer comes with its sources.
“AICA cut our underwriting TAT from nine days to thirty-six hours. The team now spends time on credit decisions, not on data collection.”