Memo Generation

Memo Generation

Generate credit memos your team can trust, edit, and defend. Lama AI transforms the full deal file, borrower data, documents, spreads, analysis, policy checks, appraisal reports, and deal context, into structured credit presentations that help teams move from review to approval-ready memos faster.

Automated Memo Drafting.

Reviewed data automatically populates the relevant memo sections, and the narrative drafts itself. Underwriters can move straight to refining, revising, and perfecting the memo instead of building it from scratch.

Automated Memo Drafting.

Reviewed data automatically populates the relevant memo sections, and the narrative drafts itself. Underwriters can move straight to refining, revising, and perfecting the memo instead of building it from scratch.

Configurable Credit Presentations.

Align memo structure, sections, language, risk framing, approval requirements, and templates to your institution's products, policies, and credit committee expectations.

Configurable Credit Presentations.

Align memo structure, sections, language, risk framing, approval requirements, and templates to your institution's products, policies, and credit committee expectations.

Standardized Credit Memos Across the Team.

Every memo follows your institution's preferred structure, language, and approval logic, helping teams present borrower background, financial performance, risks, mitigants, collateral, and recommendations consistently across products and underwriters.

Standardized Credit Memos Across the Team.

Every memo follows your institution's preferred structure, language, and approval logic, helping teams present borrower background, financial performance, risks, mitigants, collateral, and recommendations consistently across products and underwriters.

AI-powered financial analysis.

Process any document into financial spreads in seconds with 95%+ accuracy. Configurable to your templates and chart of accounts, and adaptive to every product, industry, or analysis method.

Turn financials and tax returns into spreads, automatically

AI Agents turn any input into a complete application. Instantly.

Engage borrowers 24/7 on any channel. Lama AI turns every conversation, email, or document upload into a complete application, keeping relationships seamless and in motion.

Automate pre-screening with modern client portal

Credit assistant guiding underwriters.

Equip your credit team to decide smarter and faster. A context-aware and explainable AI assistant compiles insights, researches deals, and generates policy-aligned credit narratives in seconds.

Works with the systems you already trust.

With a RESTful API architecture, Lama AI connects seamlessly to your existing stack, including core systems, risk models, verification layers, SoS, E-Tran, and more. Benefit from 100+ pre-built integrations and a frictionless way to add new ones, enhancing operations without disruption or complexity.

All the LOS capabilities, out of the box.

Skip the lengthy implementations and go live fast with plug-and-play functionality ready from day one. When you’re ready to make it fully yours, Lama AI’s configurability enables 100% customization across workflows and processes—in just 3 weeks.

Check it out

Enterprise-grade security.

Protect your data and your customers’ trust with built-in compliance and bank-level safeguards. Lama AI is SOC 2 Type 2 certified and CCPA/CPRA compliant. With 256-bit AES encryption, role-based access, and SSO support, only the right people have access at every step.

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GenAI at your service.

Draft borrower follow-ups, updates, and requests without the hassle. Ready for review and send, your team skips the busywork, reduces time to complete each package, and builds better relationships.

Modular or end-to-end?
the choice is yours.

See Memo Generation in action

Watch how Lama AI turns a complete deal file into a structured, approval-ready credit memo.
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