Every figure traceable
Revenue, cash flow, collateral values and covenants each point back to the document and version they came from, so a reviewer never has to reconstruct where a number came from.
When an examiner, a credit committee or an auditor asks why a facility was approved, your team can show the figures used, where each came from, the policy that applied and who approved it with what authority, in minutes rather than days.
Credit analysts, credit officers, credit committees, loan operations and the risk and compliance teams who review their work.
AI spreads financials and drafts the credit memo, and an analyst reviews and corrects it. But the borrower's statements, emails and bureau data say slightly different things, the correction lives in one document, and the approval sits in another system. Months later, nobody can easily show which figure the decision used or whether the approver had authority for that amount.
Every figure in the memo is linked to its source and labelled as verified, historical or unverified. When sources disagree, a person settles it and the choice is recorded. The approval is checked against the approver's limit at that moment, and the whole decision is sealed as one record that can be replayed exactly as it stood.
Revenue, cash flow, collateral values and covenants each point back to the document and version they came from, so a reviewer never has to reconstruct where a number came from.
When the credit memo and a later borrower email disagree, both are kept and a person decides which one applies. The decision shows what was chosen and why.
A $2M facility needs someone with authority for $2M. KrisVen checks it at approval time, and an approval for one version of a deal can't be reused for a changed one.
See exactly what was known and which policy version applied on the day. When policy changes, find every decision made under the old version in one query.
A synthetic case you can run yourself in a KrisBox sandbox.
The credit memo shows revenue of $18.4M. A later email from the borrower's finance chief corrects it to $17.9M. KrisVen keeps both, with their sources and dates.
The analyst accepts the corrected figure. The choice, the reason and the analyst's name are recorded, and the original figure stays visible.
Using $17.9M, debt service coverage comes out just under the 1.20x minimum. The lending policy flags that an authorized exception is needed.
Only an officer with authority for a $2M facility can grant the exception. The approval binds exactly this version of the deal; changing any term needs a new approval.
Evidence, the conflict resolution, the policy version, the exception and the approver's authority are sealed into one record that an auditor can verify without access to KrisVen.
Set a baseline on your current process, then measure the same workflow with KrisVen on sample data before any production decision.
KrisVen provides governance infrastructure that supports these expectations. Determining and attesting to compliance remains the responsibility of the deploying institution and its counsel.
KrisVen connects to the systems credit teams already use, often through data you already copy into a warehouse, and sits alongside your loan origination system rather than replacing it.
Start with a private sandbox using synthetic or customer-approved sample data, measure the workflow, and decide with evidence.