See the risk the ratios miss.
Kita reads the story behind the numbers, holds every file against your credit policy, and records what it checked. The judgment, and the signature, stay with your team.
A spread tells you what. Analysis tells you why.
The figures are the easy part. The risks that cost money tend to sit just outside them.
Concentration risk
One customer carrying most of the revenue does not show up in a coverage ratio. It shows up when the receivables are read by name.
Margins on the move
A healthy margin falling for three periods is a different file from a flat one at the same level. The direction is the signal.
What a late filing implies
Timing, gaps and revisions in the paperwork say something about the business behind it, and they are easy to miss under volume.
Borrowers the bureau never scored
Where there is no score, the signal is rebuilt from the documents the borrower does have, including non-standard and foreign records.
The numbers this reads come from the financial spread, and the result goes into the memo drafted by the AI Underwriter.
Your credit policy, applied the same way every time.
Decisioning is only as good as its consistency. The standard should not depend on who picked up the file.
Your thresholds and required checks, written down and applied to every file.
Anything outside policy is raised for a person instead of passing quietly.
Every check that ran, and its result, kept with the file.
The analysis is drafted and explained. The decision stays with your underwriter.
Know who is behind every application.
Identity, ownership and financial crime screening run alongside the credit work, not as a separate chase.
Verify the person
- ID document verification
- Liveness detection
- Selfie-to-ID matching
Know the business
- Company registry checks
- Ownership structure
- Beneficial owner verification
Surface hidden risk
- Sanctions screening
- Politically exposed persons
- Adverse media screening