AGENT 22 / 11 · RETAIL & E-COMMERCE · CREDIT & UNDERWRITING

Commercial Risk Profiler

Conducts a deep corporate entity lookup and blends leverage, coverage and macro risk into a composite score for mid-market business lending decisions.

READS FROMCorporate registry data, financial statements

MCP SERVERBanking Data Server

MODELRouted to reasoning-tier open model

HANDS OFF TOAutomated Credit Underwriter

RUN THE AGENT

Set the entity's financials, generate the risk profile

Adjust revenue, leverage and industry risk and the agent recalculates the composite risk score and decision instantly.

ASSUMPTIONS

Annual revenue (£) 3500000

EBITDA margin 14%

Existing debt (£) 1200000

Requested loan (£) 800000

Industry macro risk (1=low, 10=high) 5

Years in business 8

Assumed rate on new facility 7%

Amortization period (years) 7

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Debt / EBITDA

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Debt service coverage (DSCR)

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Composite risk score

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Decision

Metric	Value

HOW IT WORKS

What the agent actually does

1. Pull the entity file	Conducts a corporate registry lookup and pulls financial statements, ownership structure and industry classification.
2. Compute leverage and coverage	Calculates Debt/EBITDA and the debt service coverage ratio (DSCR) including the requested facility.
3. Map macro risk	Weighs industry cyclicality and the entity's operating history into a composite risk score.
4. Hand off	Auto-clears low-risk files within delegated authority, and routes elevated-risk files to the credit committee with the full risk breakdown attached.