Borrower monitoring, without the spreadsheet chase.
Cedarbridge Credit Fictional institution
Illustrative scenario. The institution and implementation are fictional. Figures are hypothetical modeling assumptions, not actual client results, benchmarks, or guaranteed outcomes.
Preparation & review per item
Preparation & review per item
At 80 items per month
The work before
the work.
A hypothetical direct lender receives borrower financials, compliance certificates, and supporting schedules in disconnected email threads. Staff spend hours organizing each submission before analysis can begin.
A workflow built
around the team.
Organize submissions, extract figures, apply reviewer-approved covenant definitions through deterministic calculation rules, and flag incomplete or inconsistent information in a monitoring queue.
The embedded engineering team would map the current process with users, agree on an evaluation set, connect approved sources, and test a reviewable prototype before a staged deployment.
Credit staff validate figures and covenant interpretations, review exceptions, and determine any borrower action. The software does not make lending decisions.
Make the assumptions
visible.
Assume 80 items per month and a change from 2.5 to 1 hours of staff preparation and review per item.
= 120 staff hours / month
This represents a modeled 60% reduction in time spent on this task, rounded to the nearest whole percent. It is potential staff capacity, not a claim of cash savings or additional revenue.
Implementation effort, ongoing review, maintenance, and model or infrastructure costs would need to be measured separately. Actual outcomes depend on document quality, case complexity, and adoption.
Useful in a demo.
Proven in the workflow.
- Staff time per item, including corrections and review
- Accuracy and completeness on representative cases
- Exception rates, rework, and turnaround time
- User adoption and ongoing operating cost
Compare a documented baseline with a bounded pilot using comparable cases. Agree on quality and approval criteria before expanding the workflow.