Spot deteriorating clients before losses materialize
Credit deterioration rarely happens overnight—it shows up first in subtle signals: a rating downgrade, a spike in facility utilization, a missed payment.
Portfolio Risk Alert
3 clients flagged • Rating deterioration detected
Built for risk leaders
who demand complete visibility
Credit deterioration rarely happens overnight—it shows up first in subtle signals: a rating downgrade, a spike in facility utilization, a missed payment.
Chief Risk Officers
Portfolio-wide oversight
Risk Managers
Risk assessment & mitigation
Relationship Managers
Actionable client conversations
Collections Teams
Better timing & prioritization
From alert to action in minutes
The objective of this agent is to reduce unexpected credit losses through early intervention.
The Trigger
You define when the agent should activate. When conditions are met, it starts working automatically.
- Rating downgrade: Internal rating drops by one or more notches
- PD threshold breach: Probability of Default increases above a defined level (e.g., >5%)
- Utilization spike: Facility utilization jumps more than 20 percentage points within 30 days
360° View
The agent opens a tailored dashboard consolidating data from all your systems.
- Client summary header with current rating, PD, Loss Given Default (LGD), and expected loss
- Exposure breakdown by product type: term loans, revolvers, letters of credit, derivatives
- Limit utilization tracker showing committed vs. drawn amounts across all facilities
Automated Analysis
The agent follows a structured analysis flow, combining checks with exploratory reasoning.
- Trigger diagnosis: Identifies the specific event that triggered the alert—rating change, utilization spike, payment issue—and retrieves the underlying data.
- Exposure quantification: Calculates total exposure at risk across all facilities, including drawn amounts, undrawn commitments, and contingent exposures.
- Collateral adequacy check: Compares current collateral coverage against policy requirements and market values, flagging any shortfalls.
Actionable Output
After analysis, the agent creates a human-friendly report with everything your team needs.
- Alert summary: One-paragraph overview of the trigger event, client situation, and exposure at risk
- Severity assessment: Classification (watch, substandard, doubtful) with rationale based on analysis
- Exposure detail: Breakdown by facility with drawn amounts, limits, and expected loss figures
Delivery
Reports are sent automatically via email or accessed directly in Veezoo.
Key benefits for risk teams
Concrete, measurable value for your team from day one
Faster response to deterioration
Before: 2-3 days to manually compile client data after a rating change. Now: complete risk assessment delivered within minutes of the trigger event.
Earlier detection of problems
Catch utilization spikes, payment delays, and rating trends before they escalate to losses, potentially reducing loss severity by 10-20% through earlier intervention.
Quantified action recommendations
Move from "we should watch this client" to "reduce revolver limit by $1M and request $1.5M collateral to restore policy compliance."
Up and runningin production in weeks
To deploy this Agent, you connect Veezoo to your existing Data Warehouse, typically containing data from:
Ready to explore Client Risk Monitor?
Fully customizable to your workflows, data sources, and business requirements.
Typical initial implementation in weeks, not months.