Credit Officer Intelligence Hub

Sanction With Confidence — Not Just Gut Feeling

Empower your appraisal workflow with end-to-end case management, forensic diagnostics, MPBF calculation, and AI-powered sanction memoranda — fully RBI-compliant.

Launch Case Workflow → View All Tools →

Trusted by 3,840 Credit Officers & Bank Appraisers across India

4-Step Workflow Pipeline

Streamline your entire credit appraisal process from intake to sanction.

Borrower Intake

Profile character, capacity, capital using Borrower Evaluator and Associate Mapper for group exposure.

CMA & Limit Assessment

Run CMA Generator + WC Assessment Engine to calculate MPBF via Nayak Method I & II.

Forensic Due Diligence

Forensic Scorecard + Bank Statement Analyzer + Operating Recaster for red-flag detection.

Sanction & Reporting

Loan Sanction Predictor verdict + Credit Officer Case Workflow auto-generates PDF memorandum.

Credit Appraisal Tool Suite

Everything you need to evaluate, structure, and approve credit proposals.

FEATURED

Credit Officer Case Workflow

End-to-end guided appraisal: Borrower Intake → CMA → WC Limit → Sanction Verdict → PDF Memorandum.

CMA Data Generator

Generate RBI-compliant CMA data — Form I Operating Statements, Form II Balance Sheets, Nayak Method I & II limits.

WC Assessment Engine

Evaluate working capital limits using Nayak Committee, MPBF Method II, and Cash Budget assessment models.

Forensic Scorecard

Detect circular trading, window-dressing, and cash siphoning patterns in financial statements.

Bank Statement Analyzer

Scan borrower PDF bank statements. Categorize transactions, verify averages, and flag non-operational circular flows.

Ratio Stress Simulator

Stress-test DSCR and Current Ratio by adjusting interest rates, inventory, and margins in real-time.

Operating Recaster

Isolate core operational profit from incidental windfalls to assess true business sustainability.

Loan Sanction Predictor

AI-driven probability scoring for loan approval based on 2026-compliant financial and behavioral metrics.

Structural Simulator

Stress-test Balance Sheets across 23+ transformations — asset shifting, debt repayment, write-offs.

Associate Mapper

Visualize group structures to detect circular funding and artificial net worth inflation.

BEP Interactive Engine

Simulate safety buffers with real-time break-even graphs for units and turnover.

FEATURED

My Saved Reports

View your saved case appraisals, track submission statuses, and re-open client files instantly.

Why Credit Officers Choose CredWisdom

Feature	CredWisdom	Manual Review	Legacy Appraisal Forms
Appraisal Speed	Under 2 Hours	2-3 Working Days	12-24 Hours
Forensic Flag Detection	Live Engine	None	Basic Ratio Checks
MPBF Formula Nayak I & II	✓ Both Methods	Variable	Tandon Only
PDF Memorandum Export	✓ Auto-generated	Manual Word Doc	None
Associate Group Mapping	✓ Visual Diagram	None	None
Drawing Power Optimization	✓ Real-time	Manual Calculation	None

BANKING WISDOM MEMOIR SERIES

Real-World Credit Officer Case Studies by N.R. Natarajan

Explore All 7 Case Studies

Practical credit judgment cannot be learned from formulas alone. Read firsthand boardroom and field accounts from a veteran General Manager on borrower interviews, top-down commodity lending failures, and recording a courageous Credit Dissent Note.

PART 1 • 5 Cs & APPRAISAL

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