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.
Connect company onboarding, underwriting, facilities and ongoing reviews. One platform for your bank and the companies you serve.
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.
The credit relationship starts long before a covenant test. Keep the context connected at every stage.
02
Credit & underwritingBuild the credit view
Connect credit requests with financials, analyst assessments, risks and mitigants. Your team owns the judgment.
03
Facilities & 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.
The full story is there.
See how it all connects.
Agreements in folders. Financials in spreadsheets. Follow-ups in inboxes. Herald brings the information behind your credit relationships together, so your team can focus on what it means.
A closer look · Agreement intelligence
Follow the signal.
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
Every detail matters.
So does the bigger picture.
Give your team a connected workspace for the work that happens between decisions.
Turn risk into a next step.
Track covenant tests, overdue payments and missing documents. Give follow-up actions an owner and a deadline.
Give every review a head start.
Extract key terms and financial metrics with AI, then bring your team’s judgment to the review.
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.
Better credit starts with better connections.
Connect the work inside your bank with the companies on the other side. Keep information moving and relationships in focus.
The bankInsight & oversight
The companyContext & confidence
Built around your evaluation
Trust starts with the right questions.
A banking platform needs more than a good first impression. Let’s walk through your workflow, your data requirements and the way your team makes decisions.
- A walkthrough mapped to your credit workflow
- Security and data-handling discussion
- Deployment, integration and evaluation planning
A few things worth knowing
Clear answers.
Where does Herald fit in our credit workflow?
Herald connects company onboarding and KYC information, credit requests and underwriting assessments, facility records and ongoing monitoring. In a walkthrough, we’ll map those capabilities to your current process and identify what needs to connect to your existing systems.
Does Herald replace our core banking system?
No. Herald sits alongside your core systems as a credit workspace. We’ll discuss integration needs and data flows as part of your evaluation.
Does AI make credit decisions?
No. AI assists with extracting and structuring information from agreements and financial reports. Your team remains responsible for reviewing the output, interpreting risk and making credit decisions.
How do we assess security and deployment?
We’ll discuss your access, data handling, hosting and vendor review requirements during evaluation, and share the available security materials. Specific controls and deployment arrangements should be confirmed for your implementation.
What happens in a demo?
We walk through company onboarding, a credit request and underwriting assessment, then ongoing facility and portfolio monitoring. We tailor the conversation to your workflow and evaluation criteria. Bring your questions about implementation, data and reporting.
A clearer view.
A stronger next move.
Let’s talk creditA focused conversation. A walkthrough built around you.