Credit underwriting and memo
Build cash-flow, collateral, guarantor, structure, covenant, policy, exception, and approval analysis from verified data.
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Credit-to-exam readiness
Make every credit decision easier to execute, review, defend, and examine.
An operating workspace for community and mid-size banks covering loan origination, credit underwriting, portfolio monitoring, exceptions, fair lending, complaints, BSA/AML, and examination readiness.
One governed operating record
✓ Consistent credit files✓ Earlier risk detection✓ Complete exception rationale✓ One-click exam evidenceRole-specific execution
Workflows that become examination proof.
People do their actual work in Smarter. Approved outcomes, evidence receipts, and requirement status synchronize into Vigil without duplicating files or exposing restricted content.
Portfolio monitoring and loan review
Track covenant, concentration, delinquency, appraisal, collateral, and risk-rating changes.
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Fair lending and consumer compliance
Preflight disclosures, timing, pricing exceptions, adverse action, complaints, and monitoring.
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Examination request readiness
Continuously reconcile exam-book requirements against reusable evidence and accountable owners.
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Shared intelligence fabric
Every useful action improves the system—inside constitutional boundaries.
Credit and employee activity remains institution-private; only approved, pseudonymous control-performance patterns enter governed learning cohorts.
Raw work product stays privateNo employee performance scoringMinimum cohort and human approvalNo automated regulatory decisions
SmarterCommunity banks
Vigil examination bridge
Operational actions become requirement-level evidence.
- ✓FDIC/OCC/Federal Reserve risk examsAuthority · task · evidence · result · receipt
- ✓CAMELSAuthority · task · evidence · result · receipt
- ✓CFPB consumer complianceAuthority · task · evidence · result · receipt
- ✓FFIEC BSA/AMLAuthority · task · evidence · result · receipt
- ✓Call Report evidenceAuthority · task · evidence · result · receipt
Smarter × Vigil