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§ About · The team

Deep credit & regulatory expertise,
with proven technical chops.

CreditLab is building the next generation of AI-native credit analysis tools and we're led by individuals who have done this work for decades.

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§ 01 — Founders
Patrick Graham
Patrick Graham
CEO
✓Formal credit training; 15+ years commercial credit & lending experience
✓Former big four management consultant advising global banks
✓Founder & partner at Ajax Advisors
Luke Wilson-Mawer
Luke Wilson-Mawer
Technical Partner
✓AI/ML lead across data analytics & security
✓2× startup co-founder with realized exits
✓Lab 1 board member; previously built Kynd
§ 02 — Board & advisory

Former examiners and bank credit leaders.

Albert Knotts
Albert Knotts
Advisor
President, SRA Consulting
ex-Head of Loan Review, PNC
Former federal OCC Examiner
Amitabh Bhargava
Amitabh Bhargava
Advisor
Chief Credit Officer, SRA Consulting
ex-Portfolio Mgmt, Capital One
CFA · FRM · SCR
Robert Spivey
Robert Spivey
Advisor
Managing Director, Valens Securities
ex-Analyst, Credit Suisse
CFA Charterholder
§ 03 — Where we're headed

A suite of AI-native credit analysis tools — beginning with loan review.

NOW

Independent loan review

Our first tool — live today.

NEXT

Adjacent credit workflows

Annual reviews, covenant & portfolio monitoring, credit memos — same data, one platform.

VISION

Commercial credit platform

Forward-positioning, lower cost and richer monitoring across the loan lifecycle.

Let's talk.

Whether you run an internal loan review team or a loan review firm, we'd love to show you what CreditLab can do for your book.

Schedule a demo