A New Era of Financial Decision-Making
Financial Analysis Reports, Reinvented
Rating agencies no longer need to drown in thousands of pages of financial reports, disclosures, and market data. With Agentic AI, the future of financial analysis is here.
From Hours to Minutes
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Doc AI acts like a digital analyst, instantly extracting key ratios, performance metrics, and market trends from complex filings.
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Gen AI transforms raw numbers into powerful narratives—complete with peer comparisons, risk flags, and forward-looking insights.
Why Agencies Choose Agentic AI
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90% Faster Processing – What once took days is now done in minutes.
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Zero Blind Spots – Every disclosure and filing is scanned, structured, and analyzed with complete accuracy.
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Human + AI Collaboration – AI handles the heavy lifting, while analysts focus on judgment, strategy, and validation.
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Global Consistency – Standardized insights across geographies, ensuring fairness and transparency in ratings.
The Impact
~60% reduction in review time. 3–10 hours saved per analyst every week. Clear audit trails for every automated decision. With Agentic AI, rating agencies move from manual number crunching to real-time intelligence—empowering analysts to anticipate risks before they surface, deliver crystal-clear insights to stakeholders, and make smarter, faster, more transparent decisions.
Credit Analysis Memos for Financial Institutions
Credit approvals often slow down because analysts must sift through countless borrower documents—from financial statements to tax filings and credit bureau reports. With Agentic AI, that bottleneck disappears.
Re-imagining Credit Analysis
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Doc AI pulls borrower data instantly from scattered documents, calculating key ratios like D/E, DSCR, and cash flow stability with precision.
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Gen AI converts this data into a ready-to-use credit memo—complete with borrower profile, risk assessment, collateral summary, and tailored recommendations.
Why It Matters
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Faster Turnaround – Credit memos are generated in minutes, accelerating loan approvals and customer onboarding.
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Consistent & Compliant – Standardized outputs ensure every memo meets regulatory and institutional standards.
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Empowered Analysts – Analysts spend less time on paperwork and more time on strategic judgment.
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Smarter Decisions – Rich borrower insights and AI-driven comparisons improve accuracy in risk evaluation.
The Outcome
What once took 15 days of manual work now happens in just 3 days—with lightning-fast automation. Agentic AI empowers institutions to make quicker lending decisions, cut operational costs, and stay fully compliant delivering a powerful competitive edge.
Financial Analysis for Investment Banks
When investment banks evaluate credit unions for deals or risk reviews, speed and accuracy can mean the difference between closing an opportunity or losing it. With Agentic AI, due diligence becomes faster, smarter, and more reliable.
How It Works
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Doc AI automatically extracts data from call reports, regulatory filings, and disclosures, capturing critical indicators like loan growth, liquidity, asset quality, and deposits.
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Gen AI generates comprehensive reports that include SWOT analysis, peer benchmarking, growth outlooks, and even stress-test scenarios—all within minutes.
Why It Matters
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Faster Due Diligence – Shrinks weeks of manual review into hours, accelerating deal execution.
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Sharper Accuracy – Every key metric is captured, compared, and validated for consistent reporting.
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Scenario Intelligence – Run stress tests and "what-if" simulations to anticipate risks before they arise.
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Seize Opportunities First – With instant insights, banks can act quicker than competitors.
The Impact
With Agentic AI, they get real-time intelligence, faster deal cycles, and sharper decisions—at just 30% of the cost and with a turnover speed that’s hard to match.
Collateral Assessment for Financial Institutions
Collateral verification is one of the most document-heavy and error-prone tasks in lending. From property deeds to insurance papers, the process often slows down credit approvals and increases risk exposure. With Agentic AI, collateral assessment becomes faster, cleaner, and more reliable.
How It Works
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Doc AI digitizes and extracts critical details from property deeds, valuation reports, insurance papers, and legal filings—covering everything from asset values to lien status.
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Gen AI transforms this into a structured collateral profile, flagging discrepancies, incomplete records, or high-risk assets instantly.
Why It Matters
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Lightning-Fast Validation – Collateral assessments that took days now finish in hours.
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Error-Free Accuracy – Automated checks minimize mistakes, ensuring clean, audit-ready data.
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Reduced Legal & Operational Risks – Early detection of discrepancies prevents costly surprises.
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Smarter Risk Management – Stronger, AI-backed insights reinforce compliance and improve credit decisioning.
The Impact
With Agentic AI, one institution is set to roll out a brand-new loan product within 3 months, something that would have been impossible without AI.
We Integrate With Your Ecosystem
Xlrt has a vision to create a better world for finance professionals by offering innovative and affordable solutions to real-world problems. Backed by domain expertise and a passion to challenge the status quo, Xlrt leverages the power of Artificial Intelligence to learn and adapt to the evolving needs of traditional financial institutions and new age fintechs.