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About the Agent
The Credit Evaluation AI Agent is a ZBrain-powered automation solution designed to enhance creditworthiness assessments by intelligently collecting, analyzing, and interpreting both structured and unstructured financial data. Integrated into the Customer-to-Cash (C2C) framework, it streamlines the end-to-end credit evaluation process—from retrieving credit bureau information to recommending credit decisions—delivering faster, more accurate, and transparent outcomes.
Conventional credit assessment systems depend heavily on predefined rules and statistical models that often fall short when processing diverse document types or handling complex, non-standard cases. These systems struggle with unstructured data, require frequent manual intervention, and can overlook subtle contextual signals critical to making sound financial decisions. The Credit Evaluation AI Agent addresses these limitations by leveraging advanced language models to understand a wider range of documents, reduce manual processing, and provide context-aware credit evaluations.
The agent processes structured inputs like financial ratios and payment history alongside unstructured documents such as contracts, memos, and bank statements. It not only calculates credit scores but also generates human-readable rationales for its decisions, enhancing transparency in workflows. Through a continuous feedback mechanism, credit analysts can review assessments, validate recommendations, and fine-tune evaluation parameters. By combining intelligent automation with contextual analysis, the Credit Evaluation AI Agent significantly improves the speed, accuracy, and quality of credit decision-making in high-stakes environments.
Accuracy
TBD
Speed
TBD
Input Data Set
Sample of data set required for Credit Evaluation AI Agent:
Credit Evaluation Request
Request Details
- Evaluation Type: Supplier Credit Expansion
- Submission Date: 2025-04-10
- Submitted By: Jonathan Lee (Procurement Manager, Redwood Manufacturing)
- Priority Level: Medium
Subject Company
- Company Name: Apex Components Ltd.
- Industry: Industrial Machinery
- Years in Operation: 9
- Existing Credit Terms: Net 30, $100,000
- Requested Credit Terms: Net 90, $500,000
- Request Purpose: Increased working capital for production ramp-up tied to new contract
Documents Retrieved via System Integration
The following documents are automatically collected by the agent through secure integration with your enterprise systems. No manual uploads are required.
| Document Type | Description | File Format(s) |
|---|---|---|
| Audited Financial Statements | Annual balance sheet, P&L, and cash flow reports | PDF, Excel (.xlsx) |
| Bank Statements (12 months) | Monthly bank activity for liquidity and transaction review | PDF, CSV |
| Credit Bureau Report | Third-party credit report (e.g., Equifax, Experian) | PDF, JSON |
| Signed Supply Agreements | Contracts linked to supplier revenue or credit terms | |
| Internal Risk Analyst Notes | Manual observations, flags, and justifications | TXT, DOCX |
| Buyer Concentration Breakdown | Revenue % from top buyers (used for risk rules) | Excel (.xlsx), CSV |
Deliverable Example
Sample output delivered by the Credit Evaluation AI Agent:
Evaluation Overview
Company Evaluated: Apex Components Ltd.
Requested Terms: Net 90, $500,000 credit line
Decision: Approved with Conditions
Risk Tier: Medium-Low
Evaluation Date: 2025-04-10
KB Rule-Based Evaluation Summary
| Rule Code | Description | Outcome |
|---|---|---|
| CR-001 | Debt-to-Equity must be < 1.0 | Pass (0.42) |
| CR-002 | Current Ratio must be ≥ 1.5 | Pass (1.9) |
| CR-004 | Equifax score must be ≥ 700 | Pass (732) |
| CR-007 | No overdrafts in past 12 months | Pass |
| CR-010 | Max exposure to single buyer ≤ 30% of revenue | ️ At Risk (new contract ~48%) |
| CR-011 | Financial documents must be audited and current (within 12 months) | Pass (Audited FY2024) |
| CR-015 | Large term extensions (>2x increase) require tier-1 buyer contract verification | Verified |
| CR-018 | Operational scaling risk must be mitigated | ️ Medium Risk Identified |
Detailed Findings
1. Financial Statement Analysis (Structured Data)
- Revenue (FY2024): $12.4M
- Net Income: $1.1M (8.9% margin)
- EBITDA: $1.45M
- Debt-to-Equity Ratio: 0.42
- Current Ratio: 1.9
- Accounts Receivable Turnover: 56 days
Interpretation: Strong financials with good solvency and liquidity. Growth appears steady and controlled. Margins are healthy for their industry segment.
2. Banking and Cash Flow Review
- Average daily balance: $285,000
- 12-month bank statement analysis: no overdrafts, 94% payment predictability
- Cash buffer supports 2.5 months of fixed operational costs
Interpretation: Financial discipline and stable operating cash flows observed.
3. Credit History (Structured + Third-Party Data)
- Equifax Score: 732
- 6 trade lines with good standing
- No derogatory marks or collections
- Net terms from other vendors: avg. Net 45
Interpretation: Established credit behavior across multiple accounts.
4. Contract Review
- Verified Tier-1 OEM contract (volume commitment for 12 months)
- Payment terms: Net 60, with escalation clause
- Apex to maintain safety stock and incur ramp-up costs
Interpretation: Contract introduces both opportunity and concentration risk Potential exposure of 48% of projected FY2025 revenue to a single buyer.
5. Internal Analyst Memo Highlights
- Memo flags temporary strain during production ramp-up
- Notes recent hiring and investments in machinery
- Recommends staggered credit release and periodic reviews
Interpretation: Human analyst flags are in alignment with AI-generated risk signals.
6. Document Quality and Consistency
- All submitted documents current, well-formatted, and machine-readable
- Contract clearly outlines financial obligations and milestones
- Bank statements and memos required minimal normalization
Interpretation: High confidence in document accuracy and semantic parsing .
Decision and Conditions
Approved for $500,000 under Net 90 terms, with the following conditions:
-
Phased Credit Limit:
- Initial release: $250,000
- Second tranche conditional on performance review at 60 days
-
Monitoring Requirements:
- Agent to reassess in 120 days
-
Risk Mitigation:
- Must maintain >$200,000 liquidity buffer
- Any drop below 1.5 Current Ratio requires review
LLM-Generated Rationale
Based on a comprehensive evaluation of structured financial data, third-party credit signals, and unstructured inputs (bank records, contracts, internal notes), Apex Components exhibits a strong credit profile with manageable concentration risk. Their financials are solid, and the recent OEM contract reflects positive market positioning. However, scale-up risk and buyer dependence suggest a phased credit strategy with proactive monitoring. This strikes a balance between supporting supplier growth and managing Redwood's financial exposure responsibly.
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