Industry
AI that works from your bank’s own credit policy and procedures
A bank can train a company adapter on the credit policy, procedures, and terminology it approves, then add role adapters designed to draft for credit analysts, branch and operations staff, and second-line reviewers. The adapter drafts and answers. People make every credit decision. The workflows below are illustrative.
Role workflows
- Illustrative workflow
Credit memo first drafts
- What the company adapter carries
- The credit policy, memo templates, risk-rating language, and the bank’s terms for borrower types and collateral.
- What the role adapter is designed to draft
- Draft a first-pass credit memo from a loan file, section by section. Cite the policy provision behind each statement and flag where the file is silent.
- Where people decide
- Credit analysts and approvers decide every credit. The draft is an internal working document for the analyst to check and rewrite.
- Illustrative workflow
Branch and operations questions
- What the company adapter carries
- Internal procedures, desk guides, exception-handling steps, and answers the procedure owners have approved.
- What the role adapter is designed to draft
- Answer a staff question in the words of the current procedure, name the procedure it came from, and say so when no procedure covers the question.
- Where people decide
- Procedure owners approve the material and review each new version. Staff escalate anything the procedure does not settle.
- Illustrative workflow
Policy-change impact summaries
- What the company adapter carries
- The current policy set, earlier versions, the control framework, and the second-line review checklist.
- What the role adapter is designed to draft
- Compare a proposed policy revision with the current one and draft a summary of the procedures, templates, and controls it touches.
- Where people decide
- Second-line reviewers own the impact assessment and every sign-off. The summary is a starting point for their review.
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What to settle before starting
- Which material is approved. Name the policies, memo templates, and procedures by version. Superseded and draft policies stay out until their owners approve them. Loan files are customer data, so decide in writing whether any file content may be used for training, or whether files are only supplied when a request is made.
- What stays an internal draft. Treat every output as an internal draft until a named person adopts it. Decide where drafts are kept and who can see them. Nothing goes to a customer, an examiner, or a committee as written by the model.
- Which reviews it must pass. Most banks will run model risk, information security, and vendor review. Gpodz Compute holds no independent security attestations today, identity-provider integration is not available, and the legal documents are being finalized with counsel. The trust page lists each item.
Questions on this topic
Does the model decide whether a loan is approved?
No. It drafts and answers. Credit analysts and approvers make every credit decision, and every draft is checked by a person before anyone relies on it.
What happens when a bank policy changes?
Adapters are versioned. A new version is trained on the updated material, tested by your reviewers on examples you choose, and activated only when you approve it. The previous version is designed to be restored.
Do banks use this today?
No. Gpodz Compute is pre-launch and has no customers yet. These workflows are illustrative, and what is available to your bank, and when, is confirmed in writing during scoping.
Bring one bank workflow.
Tell us the function, the policies it relies on, and the review it has to pass. We will say how the layers would apply and what is available today.