Underwriter AI has joined GIFT IFIH's Young Builders' Program — Batch 1.
For leveraged-finance credit teams at banks & NBFCs

The credit analyst that never leaves the call.

It carries context through every stage of a deal — pre-call, live on the call, and after — applying your credit reasoning in real time instead of transcribing after the fact.

LIVE · lender call 00:41:12
SPONSOR
"The 7.0x leverage is on adjusted EBITDA — we capitalise about $35mm of R&D a year."
▸ ANALYSISrule R-11
Fully-expensed leverage 7.0x vs 7.0x stated
Q1Fully expensing the $35mm of capitalised R&D, what does entry leverage become?
⚑ FLAGCapitalised R&D flatters EBITDA — pushed to IC memo
100+
transactions analyzed
35+
credit rules encoded
3
stages of context
0
added call latency
How it works

Three stages, one continuous thread of context.

PRE-CALL01

Loads the context

Ingests the CIM, prior filings and your open credit questions so it walks in already knowing the story and what still needs answering.

LIVE CALL02

Reasons in real time

Tests each claim against your rules as it is said, surfaces the follow-up while management is still on the line, and flags what stays unquantified.

POST-CALL03

Writes the record

Produces a defensible, sourced summary mapped to your IC template — every flag and implication carried straight through.

The old way

Notes get written up after the fact. Context is reconstructed from memory, the sharp follow-up never gets asked, and the record is only as good as who was in the room.

The new way

Context is carried live. Every claim is reasoned against your rules as it's said, the follow-up is surfaced on the call, and a defensible record writes itself as you go.

Live example

One line from management, three moves in response.

MANAGEMENT SAYS
"300 bps of margin expansion."
IT ASKS
Volume or price? And does it hold once input costs normalize? Two questions, asked while the CFO is still on the line.
CREDIT IMPLICATION
Unquantified guidance stays a flag, not a fact — logged against covenant headroom and carried straight into the IC memo.
1

Applies credit reasoning

It thinks in covenants, leverage and cash conversion — not words per minute. Transcription is table stakes; judgment is the point.

2

Catches what gets missed

The unasked follow-up, the number that was dodged, the claim that quietly contradicts the last call — surfaced, not lost.

3

Builds a defensible record

Every conclusion is sourced back to what was actually said, so the memo holds up in committee and in review.

Trust

Early product, built for institutional use.

It's decision-support with a human in the loop — never an autonomous decision-maker. Here's exactly what it does today and what's next.

TODAY
Live reasoning against your own encoded credit rules
Sourced, IC-ready summaries after every call
Flags for unquantified guidance and contradictions
Human-in-the-loop on every output
NEXT
Deeper integration with your document stack
Portfolio-level pattern detection across calls
Configurable rule authoring for your team
Audit trail export for compliance review
FAQ

Questions credit teams ask first.

No. It is decision-support with a human in the loop. It surfaces reasoning and questions faster; a qualified analyst still owns every credit decision.

Your rules are encoded and applied in real time. It tests each claim against them rather than against a generic model of what a call should contain.

Built for institutional use — data stays scoped to your workflow with a human-reviewed audit trail. Deeper compliance export is on the near-term roadmap.

No added latency to the call itself. Analysis runs alongside and surfaces to the analyst, not to the room.

Bring a live deal or a recent recorded call. We run it through and show you exactly where the reasoning holds and where it flags.

Put it in a real workflow.

Bring a live deal or a recent call. We'll run it through and show you where the reasoning holds — and where it flags.

Discuss a pilot
Partnerships[email protected]