Credit risk work hasn't changed in decades. We would know.
Everyone on the founding team came up through credit: investment and corporate banking, payments, credit insurance, across booms, defaults and a pandemic. The tools barely moved the whole time. Statements still arrive as scans, the numbers still get re-keyed into spreadsheets, and the memo is still assembled by hand the night before committee.
Generative AI changed what was buildable. For the first time, software could read an annual report the way an analyst does — find the note behind the number, keep the context, show the source. In May 2024 we formed TrustPlus AI to rebuild the credit workflow around that ability: spreading, screening, analysis and drafting in one flow, with a citation on every figure.
We want a credit function that never falls behind its own portfolio. That is what turns underwriting into something the business grows on, and your team into strategists deciding which markets to open and which counterparties are worth backing harder — sharper for it, covering far more ground, and a good deal happier at the end of the week.
