The numbers an analyst reviewed and a second person approved become the memo — in DOCX for editing and PDF for the file, with the evidence pages and the audit trail attached.
Each section is switchable per client template. The memo is a working paper for the credit analyst, not a substitute for the credit assessment.
| Section | Content |
|---|---|
| Rating and drivers | The indicative metrics-implied rating with the four ratios behind it and the overlays applied. |
| Balance-sheet spread | The standardized balance sheet with derived totals — total assets, equity, liabilities and the balance identity. |
| P&L waterfall | Revenue to net income, each rung with its displayed terms, the sum, and a verdict on whether the walk-down foots. |
| Ratios and series | Leverage, coverage, margin and liquidity ratios, with the multi-year series where earlier years exist for the issuer. |
| Peer comparison | Optional: the issuer against a chosen peer set on the same normalized basis. |
| Evidence | Page images of the statements used, with recognition confidence where a page was read by OCR. |
| Quality checks | The document's quality signals as shown in the view — balance identity, reconciliation, provenance. |
| Notes / off-balance | Debt maturity ladder, lease schedule, undrawn facilities and the derived covenant fields, when note pages were given — see notes and off-balance-sheet data. |
| Analyst notes and trail | The analyst's own notes, every manual override, and the review and approval history. |
The memo is built from the figures the analyst reviewed and a second person approved — the same numbers the screen, the API and the data warehouse show. Nothing is recalculated on the way into the document.
Each memo is kept with the document, so the version that went into the credit file can be retrieved at any time.
Client name, logo, primary colour and font come from a template file; a client-specific file overrides the default, section by section.
Each of the nine sections can be switched on or off per template, so a monitoring memo and an origination memo can differ without any code change.
Decimals, thousands separator and negative style (parentheses or minus) follow the template, matching the institution's house style.
The DOCX is a normal Word document and can be edited after generation. The generated version is stored unchanged with the document, so the original remains on record.
No. It assembles the reviewed financials, ratios, indicative rating, evidence and trail. The analysis and the recommendation remain the analyst's; the memo is the working paper underneath them.
They are printed in the quality-checks section exactly as shown in the view. The memo never hides a reconciliation gap — the walk-down verdict says whether the P&L foots.
A live demonstration environment is available on request — bring the PDFs your analysts spread today.