Insights on credit underwriting and AI
Practical guides for credit analysts and lending teams: AI credit analysis, financial due diligence, IC memos, and news from Underwriter AI.
Underwriter AI joins GIFT IFIH's Young Builders' Program, Batch 1
From 650+ applicants to one of 12 teams: how Underwriter AI earned a place in GIFT IFIH's Young Builders' Program residency at GIFT City, in partnership with IFSCA, and what we will build during the program.
Credit underwritingWhat is an AI credit analyst? How AI is changing credit underwriting
An AI credit analyst supports credit teams through due diligence: reading the CIM, questioning borrowers live, checking answers against filings and drafting the IC memo. Here is what it does, what it should never do, and how to evaluate one.
Financial due diligenceEBITDA add-backs: how credit analysts spot inflated earnings (with examples)
A practical guide to EBITDA add-backs for credit analysts: which adjustments are fair, which are aggressive, the red flags to watch for, a worked leverage example, and the questions to ask management on the diligence call.
IC memoHow to write a credit memo for an investment committee (template and checklist)
A section-by-section IC memo template for credit analysts: borrower, facility, financials, risks, covenants and recommendation, plus common mistakes and a pre-submission checklist.