Spend your analysts’ time on judgement, not on spreading.

Only after your analyst has reviewed, edited and signed it. Each figure in the spread and the memorandum links back to the document and page it came from. Adjustments are listed with who accepted them. Discrepancies go to the analyst rather than being smoothed over. Both the draft and the signed version are kept. The people and committees named in your authority framework approve it.

Yes. Zoral fOS spreads into your template and chart of accounts and calculates the ratios your policy defines. Your rating models can run in the Zoral Decision Engine, or stay where they run today and be called from the workflow. Your risk team approves each change, and model owners keep the final say.

Agents can work from consolidated and entity-level accounts. They set out exposure across a group and connected parties, such as shared directors or guarantors, for the credit paper and the approval route. Your definitions of a group and connected parties apply. Your credit team confirms the structure.

It reads annual reports and their footnotes, management accounts, tax returns, bank statements, compliance certificates, valuations and facility documents, in English, Malay and Thai today. Models are trained for each country, document type and language you need. Zoral Document Fabric runs in your own AWS or Azure account, or your private cloud, in your region and under your control. It passes clean, structured data and any warnings to Zoral fOS through a secure interface. Where it is unsure of a value, a person decides before it is used.

Agents use only approved sources, such as company registries, credit reference data, sector data and published news you subscribe to. Agents are guardrailed. They work within your policies, approved sources and permissions, and each step is recorded and reviewable in the file. Licensed data stays within its licence terms. Your analysts decide what is relevant.

Configured to your facilities and review cycle, Zoral fOS tracks which reviews are due. When new accounts or compliance certificates arrive, they are re-spread and covenants are tested against each facility’s definitions. Agents draft the review paper with the changes since the last one. Breaches and early warning signs go to the relationship manager and credit team. Your approvers decide on waivers, amendments, watch-list cases and grades.

Islamic facilities can be set up on structures your Shariah board has approved and run beside conventional ones, through the same spread, analysis and review cycle. Your Shariah board remains the authority; Zoral provides the configurable structures and the evidence trail for its review.

Yes. Zoral fOS is designed so your team and ours can configure products such as trade finance. You need not adapt a fixed package. Product rules, documents, limits and approval workflows are set up on the same platform as your credit analysis, so a new product shares the counterparty’s spread, exposure and review history. We start from your process and show you what the build would involve.

No. Zoral fOS can sit beside your current loan system. It takes the file, prepares the spread, analysis and draft paper, and returns the results to it. We suggest starting with one segment, such as annual reviews of a mid-market book or new requests above a certain size, and adding more in regular releases. We give a realistic plan after scoping, not before.

Language models read documents and draft text. Grades and credit decisions come from the rating models, rules and people your bank has approved. You choose the language models, from enterprise model services to open-weight models hosted in your own environment. Client data, knowledge bases and conversation records stay under your governance, within the environments and agreements you control. Agents are built to work within your compliance and model-risk rules. Each has its own instructions, guardrails, budget and approval steps. Each prompt, tool call and answer is recorded for your model risk team. Your own AI agents can use Zoral fOS through a standard interface (MCP), under the same controls.

It runs on AWS or Azure in your chosen region, or in your own data centre. It is designed for high availability and connects to your loan system, core and rating tools through documented interfaces. Zoral Document Fabric, which reads your documents, runs in your own AWS or Azure account, or your private cloud, in your region and under your control. Our controls are independently audited under SOC 2, with details on the Zoral Trust Portal. Zoral can run and support the platform for you, your own technology team can run it, or we share the work and hand over as your team grows. Your people run the credit operation.

Your data, templates, product definitions and audit history remain yours and can be exported in standard formats. Zoral is an independent specialist founded in 2004, with over 100 projects and 350+ years of combined experience. We have a long-standing relationship with KPMG. References are available in confidence.

Atelier, Zoral’s consulting and implementation team, works with your teams and, where you choose, with your advisers and systems integrators. The same team includes credit specialists. Its data specialists bring financial statements and other sources into one governed record.

Credit risk and decisioning · Data, AI & Automation