AI for Credit Origination, Approvals, and Risk Monitoring

C3 AI Smart Lending enables financial institutions to streamline their credit origination process and mitigate borrower risks. The application uses interpretable, auditable, and traceable artificial intelligence to assess likelihood of approval and predict emerging financial distress based on a comprehensive view of a bank’s data. With C3 AI Smart Lending financial institutions can accelerate time to decision, reduce cost of manual reviews, and drive consistency across risk teams.​

Key Capabilities

Simulate approval likelihood of each credit deal

• Simulate viability of different T&Cs (terms and conditions) to quickly home in on the best deal for the client
• See approval scores update as new data is received from the client

Automate, streamline, or assist credit decisions with advanced AI

• Leverage AI to predict whether each application should be approved, rejected, or manually reviewed
• Configure different levels of automation or AI assistance for different loan types, geographies, and teams
• Guide credit origination teams to most important factors influencing credit worthiness

Detect and mitigate credit risks prior to events of default

• Receive AI-generated alerts when clients are potentially entering credit distress
• Analyze risks based on AI-generated evidence packages that break down risk drivers for increased likelihood of default
• Convert alerts into workflow-enabled risk mitigation actions

Identify and pre-qualify high-value upsell and cross sell opportunities

• Prioritize and prequalify prospects based on AI-generated opportunity scores
• Prioritize upsell opportunities based on AI analysis of a borrower’s changing credit circumstances
• Identify cross-sell opportunities based on payments data of non-credit clients at the bank

View all data from a single pane of glass

• Unify data from disparate source systems including payments, news, credit scorecards, financial statement spreads, and more
• Analyze hundreds of time-based analytics that profile risks and mitigating factors for each client, including auto-generated peer comparisons
• Seamlessly collate information into credit packages in minutes, not days

Benefits for C3 AI Smart Lending Users

Relationship Manager

Prioritize opportunities, structure viable deals quickly, and dramatically reduce time-to-cash for each loan.

Analyst

View all data from a single pane of glass, quickly collate credit packages, and leverage AI to detect the most important risks and mitigating factors.

Credit Approver

Leverage AI to automate routine approval tasks so you can focus on complex, high-value cases.