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§ Independent loan review · SR 20-13

Review Your Entire Portfolio
with full source document traceability.

Loan review hasn't been rebuilt in a generation. CreditLab changes that with automated end-to-end loan-level risk analysis (file organization, data extraction, KPI calculation and risk scoring) that doesn't disrupt your workflows or sacrifice the rigor your regulators demand.

Schedule a demo
30-minute walkthrough · no procurement required
§ 01 — The problem

Today's loan reviews are manual, periodic, inconsistent, and sample-based

Current processes
✕
Limited audit controls and traceability
Figures can be difficult to trace back to the source document they came from.
✕
Manual, expensive, inconsistent
Time-consuming work that varies reviewer to reviewer.
✕
Limited to a periodic sample
Only a risk-based slice of the book gets reviewed, occasionally.
✕
Difficult to staff and scale
Experienced reviewers are scarce, creating a hard ceiling on capacity.
The CreditLab platform
✓
Full traceability to source
Every figure cites the exact page it was extracted from.
✓
Significant time & cost savings
Automating document analysis and line-sheet drafting cuts the manual load.
✓
Up to 100% portfolio coverage
Review the whole book continuously, not just a periodic sample.
✓
Human-in-the-loop at every step
Customizable metrics flag emerging issues; a reviewer validates each one.
§ Who it's for

Two buyers. One platform.

Bank credit & risk teams

Review more of your book — continuously — with examiner-ready traceability and your own policy thresholds built in.

Loan review firms

Deliver faster, higher-margin reviews for your clients. CreditLab runs the file; your reviewers validate.

§ 02 — What is independent loan review?

A systematic, independent assessment of a bank's loan portfolio quality, risk ratings, and credit administration — built to SR 20-13 interagency guidance.

Identify credit weaknesses
Validate risk ratings
Detect portfolio trends
Assess policy compliance
Inform leadership
§ 03 — How it works

AI removes up to ~75% of the manual work.

AI handles the repeatable tasks — accessing and reading documents, extracting data, calculating KPIs and drafting the review. Reviewers focus on the highest-value judgment: risk-grade validation and policy compliance.

AI
Access & upload documents
AI
Extract data with citations
AI
Calculate KPIs & ratios
AI
Generate the review draft
REVIEWER
Validate, finalize & export — the high-value call
§ How we compare

A clear step up — at a lower cost.

AI-native, end-to-end workflow
Manual / Services✕
Incumbent✕
CreditLab✓
Full-portfolio coverage
Manual / Services✕
IncumbentPartial
CreditLab✓
Source traceability & audit trail
Manual / ServicesPartial
Incumbent✕
CreditLab✓
Annual cost · 5-seat department
Manual / Services$100,000
Incumbent$75,000
CreditLab$37,500
Illustrative comparison for a 5-seat review department. SOC 2 Type I targeted Q3 2026.
§ 04 — Early validation

Concrete proof points — not a hypothesis.

80%
Match Rate
Back-tested on a large sample of commercial loans. Disagreements are flagged for human review.
3h → 45m
Review time per loan
End-to-end pipeline from document ingestion to validated review - with a human fully in the loop.
Up to 100%
Portfolio Coverage
Risk-based samples can become a relic of the past. With our automation, it is possible to review up to 100% of the portfolio.

See it run an anonymized loan file.

From raw documents to a validated risk verdict — in under ten minutes. We'll walk your credit team through it live.

Schedule a demo