Pain Point
Files read by hand
Credit teams read files by hand, in many formats and languages. Hours go into gathering data before the assessment even starts.
Banking & Lending
Review borrower files against your credit policy
Risk Llama helps heads of credit, credit risk officers and underwriters underwrite the borrower's file in minutes by connecting documents, policy checks, evidence and recommendations for human review.
The Problem
When underwriting runs by hand, time-to-yes slows and checks drift.
Most underwriting pressure comes from coordination, not capability. Files are read by hand, in many formats and languages, against a policy that lives in someone's head.
Pain Point
Documents chased over email
The borrower's file arrives in pieces, through inboxes and attachments. Nobody can say what is complete without checking by hand.
Pain Point
A policy in someone's head
When the credit policy is not written into the workflow, checks are applied unevenly. The same file can get a different review on a different day.
Pain Point
Volume the team cannot absorb
A small team cannot take on more volume without dropping its standards. Growth becomes a queue instead of a decision.
The Product
Underwrite the borrower's file in minutes with connected evidence
Risk Llama analyses the borrower file against the credit policy you configure and returns a scored case with evidence and reasons. Analysts verify the result and retain the final decision.
The AI Data Room
Apply credit policy checks across the borrower file
Upload the borrower file for classification and analysis against the checks defined in your credit policy, with supporting evidence returned for analyst review.
- Classify submitted documents across supported formats and languages.
- Read across statements, accounts and contracts instead of reconciling them by hand.
- Return pass, flag, or fail on every check, with the evidence and the reason.
- ✓
Ratios
Calculates the ratios your credit policy depends on and tests them against your thresholds.
- ✓
Identity consistency
Confirms the same legal name across IDs, incorporation records, and signed agreements.
- ✓
Security and collateral
Checks valuations and security documents against the facility.
- ✓
Numbers that should agree
Reconciles audited accounts, tax filings, and the financial model, and flags gaps.
- ✓
Structure and approval
Confirms the financing is documented and approved under the right structure, including Islamic finance structures.
- ✓
Screening
Sanctions, ownership, and reputation signals.
Origination Workflow
Feed a clear recommendation into the workflow you already run
Risk Llama is designed to sit alongside your origination workflow, not replace it. It is a copilot, not an auto-decision engine. The final credit decision always stays with your credit team.
- Give analysts a scored case with the evidence and the reasons on every check.
- Keep the final credit decision with your credit team on every file.
- Pair the AI Data Room with the risk register and Lluma, so one platform supports origination and the risk function.
Built for Banks
Control data location and retain decision history
Use single-tenant deployment and supported data residency options through Llama Vault. Customer documents are not used to train the AI model.
- Retain available assessment and decision history for review.
- Configure checks to your credit policy, with no vendor wait.
- Keep documents inside Llama Vault, with residency to match your compliance needs.
Proof
A trade finance team cut analyst workload by 50%.
A multi-product fintech cut manual case reviews by 70% and shortened its time-to-yes.
50%
Less analyst workload
2x
More files per analyst
70%
Fewer manual case reviews
Who It Helps
Designed for credit decisions you can stand behind.
The aim is to make underwriting easier to run, easier to evidence and easier to explain.
For Heads of Credit
Take on more volume without dropping standards, with every check applied the same way on every file.
For Credit Risk Officers
See how each case was scored, with the evidence, the reasons and a full audit trail behind every decision.
For Credit Underwriters
Spend time on judgement, not data gathering. The file arrives classified, reconciled and scored.
Risk Llama
Review borrower evidence against your credit policy
See how Risk Llama classifies borrower documents, applies configured checks and returns evidence for your credit team to review.
See it read one of your borrower files. Book a live demo and watch Risk Llama run your credit policy in minutes.