Credit Memo BuilderTM
Move to decision ready with speed and precision with advanced AI that draws on S&P Global’s renowned credit expertise and data to minimize AI hallucinations.
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.
Solutions
Key Features
How it Works
Supports Faster, Smarter Decisions with AI
- Strict creation guidelines, established structure, well-defined context and a large amount of source material make Credit Memo Builder a natural candidate for generative AI automation.
- By incorporating advanced credit knowledge and pulling data from S&P Global’s AI-ready datasets, Credit Memo Builder helps minimize AI hallucinations and the need to double-check results or perform extra validation steps.
- 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, news, financial statements and more* reduce time needed to collect and summarize information.
- This includes structured, unstructured and alternative data.
- Proprietary information can also be uploaded for use across an entire memo or at a section level.
- Analysts can easily resolve conflicting values pulled for the same data from different sources.
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, financial stability, probability of default 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 section of a memo.
- However, analysts can run sanity checks on the overall narrative and prompt sections to expand, summarize or integrate with other documents as needed.
- An export capability into Word format enables further analysis.
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 AI Hallucinations
Rely on powerful AI capabilities built on deep credit expertise and trusted data.
Maintain Control
Utilize both AI-assisted and manual edit features at a section level to dig deeper into memo results and produce bespoke insights.
Articulate Drivers of Risk
Paint a clear picture of creditworthiness with thorough transparency and explainability.
Minimize Revisions
Prepare committee- and audit-ready memos that meet your institution’s standards for narratives.
Utilize with Confidence
Choose self‑serve or guided onboarding to benefit from the full range of capabilities.
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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 reliable data to quickly create audible credit memos you can trust.