Rethinking Commercial Credit with AI

The bank’s commercial lending process is complex. A team of hundreds of relationship managers, analysts, and credit officers must efficiently provide many credit products and services to thousands of businesses spread across dozens of countries and sectors.

To do this, the bank must quickly assess the credit worthiness of its clients, which requires collecting, reviewing, and analyzing thousands of fields of both qualitative and quantitative information including financial statement line items, performance metrics, credit history, and natural language assessments of the borrower’s business prospects.

Credit officers need to navigate disparate systems, iterate with relationship managers and credit analysts on credit structure and conditions, and request additional information before making a final decision.

Not disclosed

One of the largest banks across Asia, Africa, and the Middle East, with a presence in over 60 countries, manages an end-to-end commercial lending process that is responsible for providing clients with more than $100 billion worth of credit.

With C3 AI® Smart Lending, a SaaS application built with the C3 AI Platform, the bank can re-engineer its lending process using machine learning to reduce the average approval cycle time by 30%. This streamlined process enables the bank to extend more credit, accelerate revenue, and improve customer satisfaction.