01
Less prep and rework
Use AI to extract financials and carry reviewed numbers across modules so your team can focus on the credit view
Intelligent decision infrastructure
Credit Decisioning
Move faster from source data to credit decisions with AI assistance and analyst control
02
Faster analyst review
Use AI-assisted assessments and cited memo drafts to help analysts reach a well-supported recommendation sooner
03
More value over time
Build a decision record that the Insights Assistant can draw on as your institutional intelligence grows
Better together
One analysis that carries through
Let AI handle more of the preparation while connected modules reduce handoffs and keep your analysts in control
Same company. Same financial basis.Illustrative example
Northstar ManufacturingAnnual credit review · FY2025
Connected analysis One
connected basis for the credit decision
From reviewed financials and credit-adjusted metrics to the
recommendation
The recommendation with its evidenceSelect a citation
Memo · Northstar Manufacturing
Credit assessment
Adjusted EBITDA of €13.6m gives net leverage of 2.50×
The business profile is supported by recurring demand from established customers
AI
cites the information used to aid review
Source 1 · Financial spreading
Reviewed financials & credit-adjusted metrics
The financial basis used in the credit model and referenced in the memo
Net debt / EBITDA2.50×
Northstar · FY2025 financialsNet debt
€34.0m / adjusted EBITDA €13.6m
Source 2 · Analytics
Analyst-reviewed qualitative judgment
AI-assisted assessment of the business profile reviewed by the analyst before it informs the credit analysis
Evidence behind the judgment
Management report · Customer relationships and recurring demand
Northstar · FY2025 credit analysisAssessment reviewed by the analyst
Faster preparation and review with your analysts in control
A decision record that grows in valueIllustrative example
Financial spreadingAnalyticsMemo
Decision recordsInstitutional intelligence over time
Insights AssistantFoundation layer
How have we assessed similar leverage in earlier decisions?
Compare the financial basis and credit rationale from previous reviews with citations back to the relevant decision records
1 Northstar · 2025 review2 Harbor · 2025 review
Turn the work behind each decision into context for the next
Illustrative views · Not actual screenshot · Fictional data
Credit Decisioning
Three connected modules. Traceable decision records.
Financial spreading
Extract financial statements into reviewed financials and credit-adjusted metrics
Explore Financial spreadingAnalytics
Generate transparent quantitative and qualitative scores from your credit models
Explore AnalyticsMemo
Assemble preceding analyses and additional evidence into decision-ready credit memos
Explore MemoThe governed foundation
Portfolio monitoring
Monitor companies, risks, and activities across the portfolio
Entity identification
Accurately identify the companies that matter to you
Documents & data
Centralize documents and internal & external data
Insights assistant
Receive evidence-backed answers about your portfolio
Admin settings
Manage users and configure the platform to your needs
Action Centre
Keep on top of your and the team's tasks
Access management
Give every team and person the right level of access
Workflows & processes
Configure how work should get done
Credit Decisioning is currently available in English, German, French, Spanish or Dutch.
Interested?
Learn how DecAltra’s intelligent decision infrastructure could enable you to stay ahead