01
Onboarding & KYCKnow the company
Bring company information, ownership, verification status and document requests into the relationship.
FOR COMMERCIAL LENDING TEAMS
One relationship.
Every stage
of credit.
Manage company onboarding, credit assessments and facility monitoring in one workspace. Keep source documents, review work and borrower follow-up connected.
The context stays connected. The judgment stays yours.
CREDIT WORKSPACEIllustrative product view
ONE CONNECTED COMPANY RECORDNorthstar
NMNorthstar
Manufacturing
COMPANY FILEIn preparation
Start with the whole company.
Company profileReceived
Ownership informationRequested
Verification statusPending review
Keep information requests connected to the company.
Bank team ↔ Company workspaceSample data
01 / COLLECT02 / ASSESS03 / STRUCTURE04 / FOLLOW THROUGH
The relationship, end to endBefore the decision.
Before the decision.
Beyond the approval.
From the first company information request to the next facility review, keep the borrower record and outstanding work together.
02
Credit & underwritingBuild the credit view
Connect credit requests with financials, analyst assessments, risks and mitigants. Your team owns the judgment.
03
Credits & obligationsKeep the terms connected
Keep facility records, agreement terms, payment schedules and reporting obligations close to the borrower.
04
Monitoring & follow-upStay ahead of change
Review covenants, missing documents and overdue payments. Turn a signal into an accountable next step.
A bank workspace. A company workspace. A connected relationship.
Credit is complex.
Clarity is a choice.
Clarity is a choice.
From source documents
to the next review.
A credit review needs the agreement, the financials and the history behind the request. Bring that information into the borrower record so your team can review the evidence and follow up with context.
A closer look · Agreement intelligence
From agreement to ongoing review.
One example: follow an agreement from source document to ongoing review.
Herald workspaceIllustrative product view
PDF
Financial statements
PDFNorthstar Manufacturing
Credit agreement
Senior secured revolving facility
7.02 Financial covenants
Maximum total leverage ratio: 3.50×
Maximum total leverage ratio: 3.50×
From document to structured recordAgreements, financials and borrower context
01 / 03
Collect the evidence
Review the terms.
Follow through on the obligations.
Keep agreement terms, review tasks and upcoming obligations connected to the borrower.
Assign the next action.
Track covenant tests, overdue payments and missing documents. Give follow-up actions an owner and a deadline.
Review extracted terms against the source.
Use AI to structure agreement terms and financial metrics. Check the output against the source before using it in a credit assessment.
Keep the next obligation in view.
Connect payment schedules, covenant deadlines and review meetings to the borrower.
The moment that mattersA signal is only useful
A signal is only useful
if someone can act on it.
Bring risk out of the spreadsheet and into the workflow. See how a change becomes a clear, accountable next step.
Quarterly financials
Total leverage ratio3.80×Agreed limit ≤ 3.50×
Action CenterNeeds review
Leverage covenant breached
Review the breach and document the next step.
Assigned toRelationship manager
Financial covenants are tested against the borrower’s figures. The next step belongs to your team.
Illustrative workflow · Sample dataTwo perspectives. One connection.
Keep borrower follow-up with the credit record.
Request company information, follow up on documents and keep the exchange connected to the borrower relationship. Companies work through their own workspace with the access they have been granted.
The bankInsight & oversight
The companyContext & confidence
Built around your evaluation
Evaluate the fit. Agree on the scope.
Start with a workflow your team uses today. We’ll walk through the relevant product capabilities, identify integration needs and discuss the requirements to resolve before implementation.
- Product walkthrough using illustrative data
- Review of access, data handling and hosting requirements
- Implementation scope and integration discussion
A few things worth knowing
Clear answers.
How Herald fits your team, your systems and your decision-making.
Where does Herald fit in our credit workflow?
Across onboarding, underwriting and ongoing monitoring. Herald connects company and KYC information, credit requests, assessments, facility records and obligations in one workspace. A walkthrough maps those workflows to your process and identifies the integrations you would need.
Does Herald replace our core banking system?
No. Herald is a credit workspace that sits alongside your core banking system. We’ll review the data flows and integration requirements with your team before agreeing on an implementation scope.
Does AI make credit decisions?
No. Your bank makes the credit decisions. AI helps extract and structure information from agreements and financial reports; its output can contain errors and needs human review. Your team remains responsible for interpreting risk, approving credit and meeting its obligations.
How do we assess security and deployment?
Start with your security and vendor review requirements. We’ll review access, data handling, hosting and integration needs with your team and share the available supporting materials. Required controls and deployment arrangements need to be confirmed for your implementation.
What happens in a demo?
A guided walkthrough of the credit relationship: onboarding, a credit request, underwriting, facility records and ongoing monitoring. Tell us your priorities in your request so we can focus on the workflows, data and implementation questions that matter to your bank.
See the credit workflow.
Bring your questions.
Request a demoDiscuss your process, product fit and implementation requirements with Hamza.