Revolutionizing Credit Review by Enhancing Relationship Manager Productivity through GenAI for a Global Bank

Situation

Our client, a global bank faces a major challenge with its Relationship Managers (RMs) spending 50-60% of their time on internal or administrative tasks, particularly the lengthy annual credit review process.

This manual process consumed up to 35 hours and spanned 4-6 weeks, leaving RMs with limited time for client interaction.

The bank needed a more efficient solution to free up their RMs and improve client engagement.

Solution

We developed a prototype over 10 weeks to demonstrate GenAI’s capability to automate information extraction, summarization and question answering during annual credit reviews, significantly reducing manual effort. Furthermore, we used credible sources for documents and data, maintained high GPT-4 model output quality through interactive feedback with RMs, and prioritized data security and traceability by using publicly available data like annual reports.

By combining conventional automation and GenAI capabilities we not only significantly improved productivity but also provided a better user experience in the annual review process.