AI Design
B2B Enterprise
FinTech
In Progress
Bringing Flexibility and Auditability to AI-Assisted Credit Analysis
OVERVIEW
Meridian is a workspace for commercial loan underwriting. Credit analysts at community and regional banks use it to turn a borrower’s financial statements into a credit decision. The Spread page is where every number in the deal lives.
Full case study coming soon!
This sneak peek covers the story. Full designs and the process are coming soon.
Explore Wireframe
Explores flow and logic; final mocks coming soon.
GOAL
An AI-Assisted Spread Where Every Number Is Current, Sourced and Explained.
The spread is the table every ratio, memo and loan decision is built on. It should feel as flexible as Excel, with every number one click from its source.
CHALLENGES
Three Ways Today’s Tools Put Credit Decisions at Risk
01
ANALYSIS OUTSIDE THE PRODUCT LEAVES NO TRAIL
Rigid tools push analysts to Excel for its freedom, and the reasoning behind each number never makes it back.
02
DECISIONS BUILT ON OUTDATED NUMBERS
Borrowers resubmit documents mid-deal, and nothing shows which analysis still runs on the old numbers.
03
AI THAT CAN’T BE AUDITED
AI that hides its reasoning or overstates its confidence can’t be defended to a credit committee or regulator.
SOLUTIONS
Balancing Analyst Freedom With Bank-Level Traceability
01
Designing Around the Spreadsheet Patterns Analysts Already Know
Excel-style Toolbar
Status Bar Totals
= Quick Calc
Custom Formulas
Grouped Edit Reasons
The spread borrows Excel’s familiar habits and adds a record of every change.
IMPACT
One workspace, no lost reasoning
Every edit keeps its reason, so the analyst’s thinking can always be traced.
02
Flagging Every Out-of-Date Number for Review
Re-Check Card
Restatement Review
Saved Versions
Policy Update Review
Changed numbers wait for an analyst’s decision instead of updating silently.
IMPACT
Downstream changes made visible
Meridian shows everywhere a changed number was used, which cuts cognitive load and keeps stale figures out of the memo.
03
Holding Every Source-Linked AI Suggestion for Analyst Approval
Source Links
Pending Until Reviewed
Analyst Approval
AI Activity Log
Every amount traces back to its source, and AI suggestions wait for an analyst to accept them.
IMPACT
Audit-ready by default
Every decision shows its source and approver, so the bank can audit it.
Full case study coming soon!
Research, process and the decisions behind each concept.
Explore Wireframe
Explores flow and logic; final mocks coming soon.
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