✦ Audela Credit
✦ Audela Credit

Credit decisions, with a clearer picture.

Analyze companies and individuals with financial imports, internal ratings, client dashboards and guided credit memos.

Open the workspace ↗See how it works ↓

A simpler workspace for analysts. A clear trail for every human decision.

✦ Audela Credit
Client dashboard

Studio Aurora

Company
Internal ratingAA
DSCR1.80×
Current ratio1.50×
Financial reviewCredit MemoCredit decision

✦ Illustrative preview · Internal ratings support review; credit decisions stay with your team.

↗ Companies and individuals✳ Automatic ratios✦ Ask the AI analyst✓ Ready-made workflows
Your file, step by step

From documents to a decision-ready dossier.

01

Create the client dossier

Choose a company or individual profile and assign the analyst team.

02

Turn financial data into insight

Import CSV, Excel or readable PDFs, review the figures and calculate ratios and internal ratings.

03

Prepare the memo. Review together.

Start with a profile-specific memo template and follow a ready-made approval workflow.

What is included

Everything your credit team needs, together.

Companies and individuals

Separate financial models for companies and personal affordability.

Client dashboards

Follow financial trends, balance sheets and internal rating evolution for the selected client.

Explainable internal ratings

See the inputs, formulas and scoring factors behind the internal rating.

Memos that fit the client

Use editable templates for individuals, services, retail, manufacturing and real estate.

An AI analyst beside you

Ask about missing information, financial ratios and the next step in the dossier.

Teams, workflows and notifications

Organize analyst groups, follow pending tasks and keep approvals visible.

Explore the Credit demo

See a complete credit dossier come to life.

Explore fictional clients, financial histories, internal ratings and ready-to-edit credit memos.

Open the demo sign-in ↗

Demo access requires sign-in. All demonstration client data is fictional.

Integrations & governance

From first analysis to credit decision, in one workspace.

Borrowers, deals, facilities, spreading, ratios, memos and approval workflow for community banks.

Explore the full product scope

What is included

  • Management of borrowers, deals, facilities and collateral.
  • Management of guarantors, documents, memos and approval workflow.
  • Financial statement spreading and risk ratio snapshots.
  • Dedicated reporting for credit committees and SLA follow-up.

Integrations & governance

  • Configuration of approval workflows and delegation matrices.
  • Connection to financial sources to import statements and ratios.
  • Complete traceability of credit decisions and documents.

Typical use cases

  • Retail and SME origination with standardized credit files.
  • Committee process with multi-level validation.
  • Portfolio monitoring with risk and delay alerts.

Expected outcomes

  • Faster and better documented credit decisions.
  • Reduced operational and regulatory risks.
  • Consolidated visibility for analysts, risk teams and committee members.
✦ Audela Credit

Less complexity. More clarity for every review.

Credit analysts, risk managers and credit committees in local banks.

Open the workspace ↗Explore Audela Credit plans ↗Contact