C3 AI Smart Lending

 

Accelerate time-to-cash for borrowers and manage lending risk

Key Capabilities

Simulate approval likelihood of each credit deal

Simulate approval likelihood of each credit deal

Simulate approval likelihood of each credit deal
  • Simulate viability of different T&Cs (terms and conditions) to quickly home in on the best deal for the client
  • See approval scores update as new data is received from the client
Automate, streamline, or assist credit decisions with advanced AI

Automate, streamline, or assist credit decisions with advanced AI

Automate, streamline, or assist credit decisions with advanced AI
  • Leverage AI to predict whether each application should be approved, rejected, or manually reviewed
  • Configure different levels of automation or AI assistance for different loan types, geographies, and teams
  • Guide credit origination teams to most important factors influencing credit worthiness
Detect and mitigate credit risks prior to default events

Detect and mitigate credit risks prior to default events

Detect and mitigate credit risks prior to events of default
  • Receive AI-generated alerts when clients are potentially entering credit distress
  • Analyze risks based on AI-generated evidence packages that break down risk drivers for increased likelihood of default
  • Convert alerts into workflow-enabled risk mitigation actions
Identify and prequalify high-value up-sell and cross-sell opportunities

Identify and prequalify high-value up-sell and cross-sell opportunities

Identify and pre-qualify high-value upsell and cross sell opportunities
  • Prioritize and prequalify prospects based on AI-generated opportunity scores
  • Prioritize upsell opportunities based on AI analysis of a borrower’s changing credit circumstances
  • Identify cross-sell opportunities based on payments data of non-credit clients at the bank
View all data from a single pane of glass

View all data from a single pane of glass

View all data from a single pane of glass
  • Unify data from disparate source systems including payments, news, credit scorecards, financial statement spreads, and more
  • Analyze hundreds of time-based analytics that profile risks and mitigating factors for each client, including auto-generated peer comparisons
  • Seamlessly collate information into credit packages in minutes, not days
Download Data Sheet

Scope

C3 AI Smart Lending can be deployed to a broad range of borrower and loan types across the credit lifecycle.

Borrowers

Corporate

Commercial

Small Business

Wealth

Retail

Credit Lifecycle

Prequalification

Deal Structuring

Decisioning

Risk Monitoring

Renewals

Credit Offerings

Term & Revolver Loans

Receivables, Inventory, Equipment, and Real Estate Financing

Trade Financing

Venture Financing

Auto, Home, & Credit Card

Benefits for C3 AI Smart Lending Users

Relationship Manager

Prioritize opportunities, structure viable deals quickly, and dramatically reduce time-to-cash for each loan.

Analyst

View all data from a single pane of glass, quickly collate credit packages, and leverage AI to detect the most important risks and mitigating factors.

Credit Approver

Leverage AI to automate routine approval tasks so you can focus on complex, high-value cases.

Data and Architecture


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