Credit Memo BuilderTM
Supercharge Insight
Efficiently draft, structure and finalize credit memos with S&P Global Market Intelligence’s Credit Memo Builder. This AI‑powered solution supports critical credit workflows by drawing on S&P Global’s deep credit expertise and trusted data to help analysts save hours creating structured, review‑ready credit memos.
Key Features
Faster End-to-End Memo Creation
Quickly delivers automated first drafts and repeatable memo-ready summaries.
Ready Access to Extensive Datasets
Taps into S&P Global’s credit research and data to reduce time spent collecting and summarizing information.
Full Transparency and Explainability
Surfaces credit-relevant data and articulates drivers and rationales based on the breadth and depth of S&P Global’s content.
Analyst-in-the-Loop Controls
Decreases omissions and version drift – while helping scale across teams, geographies and portfolios – with fewer manual touches and standardized and repeatable outputs.
Reduced Operational Risk
Enables reviewers to request revisions using AI-assisted prompts to uncover bespoke insights, while maintaining judgment and accountability through a structured review cycle.
Configurable Templates and Sections
Utilizes templates, section rules and proprietary data inputs tailored by user.
How it Works
Supports Faster, Smarter Decisions with AI
- By incorporating advanced credit knowledge and pulling data from S&P Global’s AI-ready datasets, Credit Memo Builder helps decrease omissions and version drift, minimizing operational risk.
- Source tracking throughout the data lineage ensures in-line citations in the output.
Provides Ready Access to Extensive Datasets
- S&P Global’s industry reports, credit research, financial statements and more* reduce time needed to collect information.
- Proprietary details can also be uploaded for use across an entire memo or at a section level.
*With appropriate entitlement rights
Delivers Clear Credit Assessments
- Credit Memo Builder articulates the drivers and rationales behind an evaluation of creditworthiness.
- This may include issues related to geographic diversification, profitability, capital adequacy and more.
Enables Analysts to Maintain Judgment and Accountability
- AI does the heavy lifting to source the right information and place it in the appropriate sections.
- However, analysts can run sanity checks on the narrative and prompt sections to expand, summarize or integrate with other documents.
Quickly move from data compilation to finalization and refresh with Credit Memo Builder
Easily Gather Data
Tap into S&P Global’s extensive information arsenal to efficiently aggregate and standardize data.
Minimize Revisions
Prepare committee-ready memos that meet your institution’s standards for narratives.
Articulate Drivers of Risk
Paint a clear picture of creditworthiness with thorough transparency and explainability.
Utilize with Confidence
Rely on powerful AI capabilities built on deep credit expertise and highly-trusted data.
Maximize Functionality
Choose self‑serve or guided onboarding to benefit from the full range of capabilities.
Maintain Control
Utilize both AI-assisted and manual edit features at a section level to dig deeper into memo results and produce bespoke insights.
Request Follow Up
Supercharge insight with precision and confidence. S&P Global Market Intelligence’s Credit Memo Builder helps you improve completeness, consistency and explainability by capitalizing on advanced AI that leverages S&P Global’s well-known credit expertise and trusted data to quickly create credit memos you can trust.