The Work Before the Judgment Call
Spreading Takes Days, Not Minutes
Analysts manually re-key tax returns, K-1s, and financials into spreads — hours of transcription before any credit judgment happens.
Guarantor Cash Flow Gets Lost
Tracing global cash flow across dozens of K-1s and related entities is manual, error-prone, and rarely done consistently across analysts.
Exceptions Surface Too Late
Data entry errors and inconsistencies are often caught after the memo is drafted — or missed entirely until underwriting.
No Source Trail
Reviewers can't quickly verify where a number came from, slowing sign-off and complicating audits and exams.
Portfolio Reviews Pile Up
Annual loan reviews compete with new originations for the same limited analyst capacity, creating backlogs.
K-1 Treatment Calls Are Inconsistent
Whether to include a K-1 in guarantor cash flow is a judgment call — made differently by every analyst, every time.
AI does the preparation. Experts make the call.
AI Prepares
extracts · spreads · reconciles
Expert Decides
reviews exceptions · applies judgment
AI Documents
analysis · rationale · sources
What the bank receives
The bank receives a credit memo on every new loan and a loan review on the portfolio.
Delivered in days, with every figure traced to its source document.
Every credit memo reaches your desk decision-ready.
Complete spreads, traced sources, and flagged exceptions. Credit officers spend their time on judgment calls instead of data entry — faster memos, deeper portfolio reviews, and full coverage without adding headcount.
Why ZorroFi Is Different
Most tools automate one step. ZorroFi handles the full preparation — spreading, reconciling, and organizing K-1s and guarantor cash flow — so your credit team starts at judgment, not data entry.
- AI spreads and reconciles financials in hours, not days.
- Every figure is traced to its source document for fast review and audit.
- Guarantor K-1s and global cash flow are organized and ready before you open the file.
The result: faster memos, deeper portfolio reviews, and no added headcount.
Stop Spreading. Start Deciding.
AI handles the preparation. Your credit team makes the call. See if ZorroFi fits your institution.
See how it works