Documentation Index
Fetch the complete documentation index at: https://docs.deckr-ai.com/llms.txt
Use this file to discover all available pages before exploring further.
Pipeline overview
Deckr runs a sequential and parallel pipeline of 11 agents powered by IBM watsonx Orchestrate. Each agent is specialized for a specific domain of credit analysis.Agent stages
Extraction Agent
Extraction Agent
Parses uploaded PDF documents and extracts structured financial data. Seeds SQL, MongoDB, and Neo4j databases. Generates the
deal_id that links all downstream data.Financial Analysis Agent
Financial Analysis Agent
Calculates financial ratios, spreads three years of income statements and balance sheets, and evaluates debt service coverage, leverage, and liquidity.
Industry Analysis Agent
Industry Analysis Agent
Researches the borrower’s industry using external data sources. Evaluates market conditions, competitive position, and sector risk.
Collateral Agent
Collateral Agent
Reviews collateral descriptions, estimates loan-to-value ratios, and assesses lien position and liquidation risk.
Guarantor Agent
Guarantor Agent
Analyzes personal guarantor financials, ownership structure, and beneficial ownership for regulatory compliance.
SLACR Risk Agent
SLACR Risk Agent
Assigns a risk rating using the SLACR framework (Satisfactory, Low, Average, Cautionary, Requiring Attention). Synthesizes outputs from all four parallel agents.
Interpreter Agent
Interpreter Agent
Generates narrative interpretations of the quantitative analysis. Produces the analytical commentary used in the credit memo.
Packaging Agent
Packaging Agent
Assembles structured analysis into the credit memo format. Organizes sections, covenants, and loan structure recommendations.
Review Agent
Review Agent
Performs a quality review of the assembled package. Checks for completeness, internal consistency, and missing data flags.
Policy Agent
Policy Agent
Reviews the package against regulatory guidance — ECOA Reg B, Fair Housing Act, SBA loan program rules, and OCC/FFIEC examination standards. Issues governance clearance or flags for review.
Deckr Agent
Deckr Agent
Produces the final Deal Sheet (
deckr.md) — a concise, visually structured one-page summary of the loan structure, terms, and key metrics formatted for lender presentation.