S&P Global launches AI-powered tool to streamline credit analysis

S&P Global (NYSE: SPGI) announced the launch of Credit Memo Builder, an artificial intelligence-powered platform designed to automate the creation of credit decisioning reports. The tool aggregates data from across S&P Global's enterprise to reduce the time required for drafting credit analysis documents.

The platform addresses the manual, time-intensive process that credit analysts face when pulling and processing data from multiple systems. Credit Memo Builder integrates data from S&P RatingsDirect, RiskGauge and S&P Capital IQ Pro, utilizing cognitive automation and Kensho's data retrieval capabilities to connect structured and unstructured information.

"With Credit Memo Builder, our objective is to meaningfully improve what can often be a cumbersome credit workflow—cutting through fragmented data and enabling financial teams to operate with greater speed and consistency," said Whit McGraw, Head of Risk & Valuations Services at S&P Global Market Intelligence.

The system synthesizes information from ratings and research, financials, news and transcripts into a format for analyst use. The platform includes human oversight capabilities, allowing users to upload additional information and request AI-assisted revisions. The tool provides in-line citations linked to data sources and transparency into response generation methods.

Credit Memo Builder operates as part of S&P Global Market Intelligence's AI offerings alongside CreditCompanion. The company specified that the tool serves as an analytical workflow platform and does not substitute for independent credit analysis or credit ratings issued by S&P Global Ratings.

The information is based on a company press release statement.

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