Banking & Lending
6 AI SkillsKnow which clients need financing —and can repay it.
Every relationship manager has more clients than time. Compass continuously enriches the portfolio, ranks it by trigger events, and puts a credit-aware brief in front of the RM before the next call.
For corporate, commercial and alternative lenders coordinating RM, product and credit.
The problem
What's broken today
The structural problems we solve.
Portfolios of 200–400 clients per RM make quarterly reviews structurally inadequate. Credit deterioration surfaces in audited financials 6–9 months late. Cross-sell lives in slide decks and RM memory instead of firing on live triggers.
RM coverage spread too thin
Portfolios of 200–400 clients per RM make quarterly review cycles structurally inadequate. Signals decay in days; portfolios are reviewed in months.
Credit deterioration found in financials
By the time leading indicators show in audited financials, the workout team is already engaged. Hiring contraction, supplier disputes and management churn arrive 6–9 months earlier — in public data.
Cross-sell trapped in slide decks
Product specialists know which clients fit which structures, but matching that expertise to live trigger events depends on RM memory and ad-hoc forwarding.
In numbers
Order of magnitude
What lending teams see in the first two quarters.
How it works
From source to deliverable
From the systems you already run to the deck you hand over — one model in between.
The signal feed, live
Every source below lands in the same feed, already resolved onto the entity it belongs to — and carries where it came from.
- 01Core banking, CRM & credit systems
- 02Company registries, filings, audited financials
- 03Public triggers
- 04Sanctions & PEP lists
- 05Contracts, term sheets & credit files (PDF)
- 06Market & rate data, sector reports, transaction data
Core banking, CRM & credit systems
Salesforce FSC, nCino, Finastra
Company registries, filings, audited financials
Companies House, Registro Imprese, InfoCamere, Cerved, D&B
The resolved model
The raw name is resolved onto the modelled entity — subsidiaries, owners and links already attached — so a signal lands on something that already exists instead of opening a new record.
Reports, decks, spreadsheets, dashboards and alerts — finished, not drafts.
- Brief (PDF)Client coverage brief
- DashboardPortfolio ranking dashboard
- AlertCredit early-warning alerts
- DeckCredit committee pack
- CRM updateStructured CRM & credit write-back
Benefits
Outcomes
What changes when you operate with Compass.
AI Skills
Scoped for this sector
Named jobs, already scoped for this sector — each one runs on your model.
| Skill | Family | What it does | Output |
|---|---|---|---|
| Account Expansion Scout | Revenue | Detects upsell and cross-sell signals across the installed base — funding rounds, hiring, product usage — and routes them to the owner. | alertaction |
| Counterparty Network Map | Trade & Supply Chain | Reveals hidden ownership chains, intermediaries and shared directors across a portfolio of counterparties. | graphbrief |
| Third-Party Due Diligence | Risk & Compliance | Builds an evidence-backed dossier on any counterparty — ownership, litigation, sanctions, adverse media — in minutes instead of days. | briefgraph |
| Adverse Media Sweep | Investigation | Runs multilingual adverse media checks across news, court filings and gazettes — deduplicated, ranked and cited. | alertbrief |
| KYC Refresh | Risk & Compliance | Runs periodic KYC reviews at scale — beneficial owner changes, sanctions updates, adverse media — with a full audit trail per customer. | dashboardaudit |
| Regulatory Change Monitor | Risk & Compliance | Tracks regulatory updates across jurisdictions, maps them to impacted processes and controls, and drafts change tickets automatically. | briefaction |
A concrete case
Banking & Lending
€40M refinancing spotted 7 months early —before the workout team ever heard the name.
Qualified financing opportunities per RM
+35% · Trigger-based coverage replaces calendar-based reviews.
Earlier credit deterioration signal
6–9 mo · Public operational indicators surface long before audited financials.
A mid-cap manufacturer had two supplier lawsuits, a 15% hiring cut and a leadership change — all public, none in the bank's file. Compass fused these signals, ranked the exposure red, generated a credit-aware brief for the RM and a talking-point pack for the product specialist. Refinancing was structured seven months before it would have shown in audited financials.
Banking & Lending
Common questions
What banking leaders ask us first.
Every recommendation carries a full evidence trail — the signals, the sources, the model version. Compass is designed to be defensible in front of credit committees and regulators.
No. Compass surfaces leading operational signals and routes them to the right owner; final credit decisions stay in your existing rating and policy framework.
Compass operates exclusively on public and licensed data plus your own CRM. Sensitive data flows can be permissioned per role, region and entity.
See Compass on your sector.
30 minutes. Your accounts, your pipeline, your signals. We'll show you the actions Compass would recommend today.