Credit

The AI-native platform for corporate lending

Credit turns unstructured documents into decision-ready credit memos in minutes –
automating analysis, structuring, and documentation.

Trusted by 850+ advisory, audit, banking, and private equity teams worldwide.

Why CreditOS?

Best-in-class
agentic AI for banks

Credit uses modern agentic AI to autonomously analyze, structure, and execute complex tasks — purpose-built for banking environments.

The platform combines:


  • Document analysis for PDFs, reports, and contracts 
  • Financial analysis and structured balance sheet processing 
  • Automated decision support 
  • Continuous monitoring and early warning capabilities 

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Co-developed with
Erste Group.

High-value use cases in corporate banking

1. CORPORATE CREDIT APPLICATIONS

Build complete credit applications in minutes

Automated preparation of credit documents during the application process.

Result: Structured credit applications in minutes instead of hours.

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2. CREDIT COMMITTEE DOCS

Stop rebuilding committee documents from scratch

Automated creation of decision-ready materials for credit committee meetings.


Result: Consistent, high-quality decision support.

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3. PRE-DISBURSEMENT CHECKS

Verify loan files before funds are released

Automated verification of completeness, page count, and signatures before loan disbursement.

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Result: Lower operational risk and reduced manual effort.

Deployment options

Bring Your Own Cloud (preferred)

CreditOS runs on the bank’s own infrastructure.


  • Data remains fully within the bank
  • Full control over security and compliance
  • Ideal for regulated and high-security environments
  • Valutico provides software layer only

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Fast Start
(no integration required)

Banks can start using CreditOS without connecting to core banking systems.


  • No IT-heavy implementation required
  • Immediate productivity gains from day one
  • API integration can be added later

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Up to 80% of efficiency and quality gains can be achieved before full system integration.

5–7 hours
saved

per credit application 

~€350k efficiency
gain

at 1,000 cases/year

Faster
decisions

with higher quality 

Security and compliance

Built for regulated financial institutions:

  • SOC 2 certified 
  • DORA-compliant architecture 
  • GDPR-aligned data handling 
  • Secure and auditable processes 

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CreditOS

For manual credit processes to AI-powered execution

Credit enables banks to automate high-value credit and risk workflows – without waiting for 
large-scale IT integration projects.

We’ll tailor the session around your credit process, risk workflows, and document requirements.