CreditOS

The AI-native Platform for Corporate Lending

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

Best-in-class agentic AI for banks

CreditOS 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

Co-developed with the Erste Group.

High-value use cases in Corporate Banking

1. Corporate credit applications

Automated preparation of credit documents during the application process.

Result: Structured credit applications in minutes instead of hours.

2. Credit committee documentation

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

 Result: Consistent, high-quality decision support.

3. Pre-disbursement document checks

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

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

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

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

CreditOS

From manual credit processes to AI-powered execution

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

Request a demo or schedule a workshop to identify the most valuable use cases for your bank.