CreditVision

   CreditVision automates the transformation of heterogeneous financial documents — from PDFs and Excel sheets to ERP exports and scanned statements — into a unified, structured format aligned with your organization's custom chart of accounts. 

This enables accurate, fast, and scalable financial analysis, even when dealing with large volumes of client data across different regions, sectors, or accounting standards.

Key capabilities include:

• 🧠 AI-powered reclassification engine that maps diverse GL structures into your internal financial taxonomy (e.g. IFRS, local GAAP, or proprietary CoA).
   
• 📂 Multi-format compatibility including unstructured PDF balance sheets, scanned documents, and native Excel files.
   
• 🌐 Localization-aware mapping for handling differences in terminology, currency, and financial presentation across LATAM, UK, EU, and North America.
   
• 🧺 Bulk ingestion and processing — handle thousands of client files in minutes with minimal human intervention.
   
• 🔁 Reconciliation-ready outputs, integrated with downstream processes like credit scoring, financial KPIs, covenant analysis, and stress testing.
   
• 🔍 Human-in-the-loop validation to support finance teams in refining model accuracy and ensuring audit-ready results.
   

With CreditVision, finance and credit professionals can stop spending time standardizing inputs and instead focus on interpreting insights, applying judgment, and driving decisions — all at enterprise scale.

CreditVision delivers a deep and dynamic layer of financial intelligence by performing vertical and horizontal analyses, advanced financial ratio calculations, and real-time multi-currency conversions — all tailored to the standards of your organization and sector. 

Whether assessing a single client or evaluating a portfolio of companies, the platform turns raw financial data into actionable insights that support strategic credit decisions.

Key capabilities include:

• 📈 Vertical (common size) analysis to reveal proportional structure of financial statements and identify cost concentration, margin health, and leverage distribution.
   
• 📉 Horizontal (trend) analysis for year-over-year comparisons, growth trajectory mapping, and early detection of performance deterioration.
   
• 🔄 Comprehensive ratio libraries including liquidity (e.g. current, quick), solvency (e.g. debt/equity, interest coverage), profitability (e.g. net margin, ROA, ROE), and efficiency (e.g. inventory turnover, DSO).
   
• 🌍 Automated currency normalization using real-time FX feeds to convert and compare financials across multinational subsidiaries or global clients.
   
• ⚙️ Sector-aware financial modeling, allowing for customized ratios and benchmarks that reflect the specific dynamics of industries such as energy, agribusiness, steel, and retail.
   
• 🧠 AI-driven flagging system highlights deviations, risks, or anomalies automatically — helping analysts focus where it matters.
   

With these insights embedded, CreditVision equips finance, risk, and credit teams to go beyond static reports — enabling data-informed decisions, portfolio-level benchmarking, and proactive engagement with clients.

   CreditVision is architected to support unlimited storage and processing of financial documents — enabling organizations to seamlessly manage years of balance sheets, income statements, and trial balances for each client or business unit. This ensures not only historical depth and audit continuity, but also secure, centralized access to every data point needed for long-term financial and credit analysis.

Key capabilities include:

• 📂 Unlimited balance sheet and trial balance uploads, with automated indexing by year, entity, region, and file type.
   
• 🔍 AI-powered document parsing and classification, converting raw uploads into structured, searchable financial records.
   
• 🛡️ Secure document encryption and role-based access, ensuring compliance with GDPR, UK Data Protection Act, and industry-specific governance.
   
• 🧭 Version control and source tracking, enabling side-by-side comparisons and backtracking to original files.
   
• 🏢 Multi-entity support for large corporate groups and financial institutions with complex organizational structures and cross-border data.
   
• 🔗 Integration with client portals and ERP systems, allowing clients or internal teams to submit financials directly into the analysis pipeline.
   

With CreditVision’s scalable architecture, your financial analysis is no longer constrained by storage limitations or fragmented file systems — it becomes a fully traceable, on-demand intelligence layer across your entire portfolio.

   CreditVision enables analysts and credit professionals to generate dynamic, interactive financial visualizations enriched with contextual insights and human judgment. It automatically produces trend charts, KPI snapshots, and comparative visuals while allowing users to seamlessly insert narrative commentary, risk highlights, and decision rationales — all in a structured and auditable format.

Key features include:

• 📊 Auto-generated charts for key indicators such as revenue growth, EBITDA margin, liquidity ratios, and working capital evolution.
   
• 📅 Period-over-period comparisons with visual cues for anomalies, outliers, or inflection points in financial performance.
   
• 🖋️ In-line analyst notes, with the ability to annotate visuals with explanations, recommendations, and manual overrides.
   
• 🧠 Comment templates to guide credit professionals through regulatory or internal narrative standards (e.g., IFRS-9, internal rating documentation).
   
• 🔁 Collaborative commenting — users can co-edit or respond to comments in shared review environments, streamlining committee workflows.
   
• 📄 Export-ready visual packs, transforming analytical views into board-level PDFs, pitch decks, or underwriting reports.
   

This combination of visual intelligence and embedded expertise transforms CreditVision into not just a reporting tool — but a strategic communication layer that connects analysis, interpretation, and decision-making.

CreditVision is seamlessly integrated with CreditChat, SIACorp’s conversational AI copilot — enabling real-time, AI-augmented financial reviews, automated credit opinions, and intelligent suggestions for limits, terms, and risk commentary. This integration enhances every stage of credit analysis with natural language understanding, deep data access, and automated reasoning that transforms analyst productivity and decision confidence.

Key capabilities include:

• 💬 Conversational interface to interrogate financial statements, credit history, and behavioral patterns in plain language (e.g., “What’s the ideal limit for this client based on their DSO and EBITDA?”).
   
• 📌 Auto-generated credit memos, with rationale for recommended limits, payment terms, and flags for additional documentation or risk mitigation.
   
• 🧠 Context-aware recommendations that factor in client history, sector benchmarks, risk appetite, and configurable credit policy rules.
   
• 🔗 Embedded within CreditVision’s dashboards, so users can chat with the data while viewing ratios, trends, or commentary — no context switching needed.
   
• 📎 Auto-capture of AI discussions into credit committee documentation, ensuring auditability and alignment with decision policies.
   
• 🛡️ Human-in-the-loop control, allowing analysts to edit, accept, or override AI-generated content while maintaining traceability.
   

Together, CreditVision and CreditChat redefine collaborative credit analysis — combining structured financial intelligence with conversational AI to deliver faster decisions, stronger compliance, and smarter credit strategies.