Generative AI & Credit Analysis

Reimagining commercial lending with a new generation of AI-enabled credit analysis tools

About CreditLab

At CreditLab, we believe that the most exciting – and impactful – use of AI is as a tool to reimagine critical tasks within lending workflows. To do so, we’re building the next generation of credit analysis tools that will allow banks to reduce manual workloads, extract and track key performance indicators, generate initial drafts of credit documents, and reallocate underwriter time to higher value activities.

Our Team

The minds behind CreditLab

Patrick Graham

CEO

Patrick brings 25 years of experience in credit underwriting and management  consulting. Prior to starting CreditLab, he worked at PwC, FIS, and Regions Bank in credit-related roles. 

Luke Wilson-Mawer

Technical Partner

Luke is a software engineer and AI-focused entrepreneur with 20 years of experience. He has created more than $50M in enterprise value, cofounded KYND and Lab-1, and consulted for blue-chip companies. He supports startups as a founder, advisor, and investor through Onward Labs, his venture build firm.

Albert Knotts

Advisor

Bert  is a Founding Partner of Strategic Risk Associates (SRA) with oversight of the firm’s credit risk practice and has  previously served as EVP at First Union and a federal OCC Examiner 

Amitabh Bhargava

Advisor

Amitabh currently serves as the Chief Credit Officer of Strategic Risk Associates and has two decades of experience creating value lending businesses. He has previously served at Capital One and ICCI Bank India. 

Robert Spivey

Advisor

Robert Spivey is the Director of Research at Valens Research, an institutional equity research firm. He has appeared on CNBC, been quoted in Barron’s and Bloomberg and has been a judge at the CFA Institute Research Challenge. 

Contact Us

If you’re interested in learning more about what we’re building – and how we can help – we’d love to hear from you.