CreditOps leverages advanced AI technology to transform your credit review process. Automatically extract financial data from tax returns, generate comprehensive credit memos, and monitor your entire loan portfolio in real-time.
Schedule a DemoAI-Powered Tax Document Processing
Extract financial data from tax returns in seconds, not hours. Our intelligent system identifies document types, extracts key financial metrics with 99%+ accuracy, and performs mathematical validation to ensure data integrity.
Automated Credit Memo Generation
Generate comprehensive credit memos in minutes. Our AI analyzes multiple years of tax returns to identify trends, calculate key ratios (DSCR, Current Ratio, Debt/TNW), and highlight potential risks.
Real-Time Portfolio Monitoring
Monitor your entire loan portfolio at a glance with proactive alerts on covenant violations and portfolio trends. Track borrower financial performance across multiple years with visual trend analysis.
Our CECLComp model translates all of the theory and vague guidance into an actual solution that is simple enough to understand but sophisticated enough to meet regulatory requirements.
Schedule a DemoUnderstand Your Projections
Get clear, actionable insights into your CECL projections with our intuitive dashboard. Understand the factors driving your allowance calculations and identify opportunities for optimization.
Clear, Actionable Layout
Navigate from high-level portfolio overview to detailed loan-level analysis with our snapshot and drill-down approach. Find the information you need quickly and efficiently.
Statistically Meaningful Data
Compare your institution's performance against peer groups with statistically robust data. Make informed decisions based on comprehensive market analysis and peer benchmarking.
The Market Analytics Suite offers meaningful and practical analysis helping over 600 banks across the country navigate constantly changing market conditions.
Schedule a DemoBriden Banking Report
Analyzes 40 financial ratios related to capitalization, asset quality, profitability, liquidity, sensitivity to market rates, and growth. A color-coded system helps quickly identify strengths, weaknesses, and trends.
Overall Performance Report
Provides a composite ranking that takes into account each bank's capitalization, asset quality, profitability, growth, and liquidity. Compare to a custom peer group over five years.
Market Analytics Dashboard
Quick access to all reports plus a suite of peer comparison tools designed to sharpen your knowledge of the market. View historical comparisons of financial ratios on national, state, peer group, or custom levels.
Our stress testing solution helps community banks assess their resilience under various economic scenarios and regulatory requirements.
Schedule a DemoComprehensive Scenario Analysis
Test your institution's resilience under multiple economic scenarios including baseline, adverse, and severely adverse conditions as required by regulatory guidance.
Regulatory Compliance
Ensure your stress testing processes meet current regulatory requirements and prepare for future changes in supervisory expectations.
Credit Risk Stratification
Use our credit risk stratification matrix to proactively manage credit risks and enhance financial stability. Assess the potential impact of adverse scenarios on your loan portfolio.
CreditOps leverages advanced AI technology to transform your credit review process. Automatically extract financial data from tax returns, generate comprehensive credit memos, and monitor your entire loan portfolio in real-time.
AI-Powered Tax Document Processing
Extract financial data from tax returns in seconds, not hours. Our intelligent system identifies document types, extracts key financial metrics with 99%+ accuracy, and performs mathematical validation to ensure data integrity. Reduce manual data entry by 90% while improving accuracy.
Automated Credit Memo Generation
Generate comprehensive credit memos in minutes. Our AI analyzes multiple years of tax returns to identify trends, calculate key ratios (DSCR, Current Ratio, Debt/TNW), and highlight potential risks. Maintain consistency across your portfolio while reducing memo preparation time by 75%.
Real-Time Portfolio Monitoring
Monitor your entire loan portfolio at a glance with proactive alerts on covenant violations and portfolio trends. Track borrower financial performance across multiple years with visual trend analysis and receive automated notifications when key metrics fall outside acceptable ranges.
Our CECLComp model translates all of the theory and vague guidance into an actual solution that is simple enough to understand but sophisticated enough to meet regulatory requirements. No over-complication, no unnecessary expense—just clarity and compliance for community banks.
Clear, Actionable Layout
Get a snapshot of your entire CECL report at a glance. Drill down into loan and pool level details, download summaries for directors, and instantly see the impact of your adjustments—all in one intuitive dashboard.
Statistically Meaningful Data
We analyze robust historical loss data by loan type, using peer group benchmarks. This gives you a comprehensive, statistically meaningful look at loan loss trends—even for pools with little or no losses.
Understand Your Projections
Customized forecasts for each loan type, based on objective economic indicators. Every adjustment is visualized, so you can clearly explain your numbers to board members and regulators.
The Market Analytics Suite offers meaningful and practical analysis helping over 600 banks across the country navigate constantly changing market conditions. Developed by a former bank CEO as a direct result of the 2008 financial crisis.
Briden Banking Report
Analyzes 40 financial ratios related to capitalization, asset quality, profitability, liquidity, sensitivity to market rates, and growth. A color-coded system helps quickly identify strengths, weaknesses, and trends. Graphs show quarterly results over five years with peer group comparisons.
Overall Performance Report
Provides a composite ranking that takes into account each bank's capitalization, asset quality, profitability, growth, and liquidity. Compare to a custom peer group over five years for an accurate assessment of your bank's overall performance, even with fluctuating local market conditions.
Market Analytics Dashboard
Quick access to all reports plus a suite of peer comparison tools designed to sharpen your knowledge of the market. View historical comparisons of financial ratios on national, state, peer group, or custom levels. Includes overall state and metro rankings, loan loss analytics, and key metrics reporting.
Stress testing holds significant importance for community banks as it enables them to evaluate their resilience in adverse economic scenarios, identify vulnerabilities, and strengthen risk management practices. By quantifying potential losses and risks, stress testing supports informed decision-making and strategic planning.
Liquidity Stress Testing
Assess your ability to withstand adverse financial conditions and meet short-term obligations. With recent major bank liquidity failures, regulators have heightened expectations for contingency planning. Our model helps you swiftly identify vulnerabilities and plan for potential liquidity shortfalls.
Portfolio Credit Stress Testing
Gain insights into your capital adequacy by assessing potential losses in loan portfolios under stress scenarios. Ensure sufficient capital buffers to absorb potential losses and maintain regulatory compliance. Based on 40 years of historical data for banks in your area.
Credit Risk Stratification
Use our credit risk stratification matrix to proactively manage credit risks and enhance financial stability. Assess the potential impact of adverse scenarios on your loan portfolio and identify vulnerabilities across different risk categories within your matrix.