Memo
Assemble preceding analyses and additional evidence into decision-ready credit memos
From analysis
to a clear decision
Bring your analysis together in an AI-assisted memo your team can review and refine
See how it worksNorthstar Manufacturing
Northstar combines improving earnings with moderate leverage 1 while customer concentration remains a key consideration for the credit view 2
Less drafting from scratch
Bring financials and credit analysis into the memo without rebuilding the story by hand
A familiar format
Use your own memo structures so every draft meets your standard
Citations that aid review
AI cites the information used so your analysts can check the evidence behind the draft
Build the memo
Keep the reasoning in view
Reviewed financials and credit-adjusted metrics
Quantitative and qualitative credit scores
Company documents and professional judgement
Corporate lending
Annual review · Institution-specific structure
- 01 Executive summary
- 02 Financial analysis
- 03 Risk assessment
- 04 Recommendation
- 05 Supporting evidence
Illustrative views · Not actual screenshot · Fictional data
02 Financial analysis
Revenue increased to €63.7m in FY 2024 while reported EBITDA reached €12.4m
Credit-adjusted EBITDA of €13.6m results in net debt / EBITDA of 2.50×
The internal model result is BBB− based on a combined score of 68 / 100
Follow the AI’s citations to check the information used and refine the narrative before finalising the memo
Illustrative views · Not actual screenshot · Fictional data
| Section | Reviewer | Status |
|---|---|---|
| Executive summary | Credit analyst | Reviewed |
| Financial analysis | Credit analyst | Reviewed |
| Risk assessment | Risk reviewer | In review |
| Recommendation | Credit analyst | Draft |
Your team reviews the draft and resolves open points before finalising the memo
Illustrative views · Not actual screenshot · Fictional data
Your memo
Your standard
Use AI to accelerate the drafting while keeping your format and your team’s judgement at the centre
Templates that fit
Build memos around your structure and the way your institution makes decisions
A draft your team can own
Review and refine AI-generated narratives before finalising the recommendation
Clear review responsibilities
Keep contributors and reviewers aligned as the memo moves towards completion
The analysis connected
The decision informed
Bring reviewed financials and credit scores into one memo so the recommendation builds on the same underlying evidence
Financial spreading
Reviewed financials and credit-adjusted metrics
Analytics
Transparent quantitative and qualitative scores
Memo
Decision-ready credit memos
Each decision process adds to the institutional intelligence that the Insights Assistant in DecAltra’s Foundation layer can draw on over time
Interested?
See how DecAltra can turn your analysis into a memo your team can stand behind
Explain how customer concentration has been reflected in the recommendation