Origination tools that streamline operations, strengthen compliance, and prepare your data for smarter credit decisions.
Cyte’s origination modules automate the ingestion, standardisation, and validation of customer and compliance information and financial and bank-statement data - removing manual work, reducing errors, and accelerating time-to-assessment. Risk teams receive model-ready inputs for PD/LGD and affordability analysis, managers gain consistent datasets for portfolio reviews, and compliance teams benefit from a transparent, auditable data lineage. Origination becomes faster, cleaner, and fully aligned with downstream credit operations.
Extracts structured financial data from annual, interim and management accounts using OCR and AI‑assisted parsing. Risk teams populate PD/LGD models quickly, managers gain standardised portfolio data, and compliance teams maintain a transparent, auditable record of financial inputs.
Converts PDF bank statements into structured affordability data using AI extraction and categorisation. Risk teams assess cash flow behaviour, managers monitor affordability trends, and compliance teams retain verified transaction histories for KYC and affordability checks.
Unifies diverse file formats (CSV, Excel, Parquet, SAS) into Cyte’s structured schema, ensuring all data is model-ready. Enables operations teams to merge and validate datasets efficiently, provides managers with consistency across data sources, and gives compliance teams an auditable process for data lineage and transformation.
Assessment tools that standardise decisions, enforce policy, and ensure every credit evaluation is accurate, consistent, and regulator-ready.
Cyte’s assessment modules combine financial modelling, affordability checks, and KYC/AML verification into a single, structured evaluation process. Risk teams receive accurate PD/LGD outputs calibrated for SMEs and corporates; analysts benefit from automated scoring and risk indicators; and compliance teams gain full traceability of overrides, decisions, and supporting data. With Assessment, every credit decision becomes consistent, defensible, and aligned with your organisation’s risk appetite - strengthening portfolio quality and ensuring downstream pricing, monitoring, and reporting are based on robust, validated inputs.
Automates policy-based credit decisions by combining affordability, scoring, and KYC/AML checks into a single rules-driven process. Supports operational efficiency in origination, ensures portfolio managers maintain consistent risk policy adherence, and provides compliance officers with full traceability and audit logs for regulatory reviews.
Affordability assessment aligned to policy and data inputs.
Sector-calibrated PD / LGD / EAD models aligned to IFRS 9 and emerging market realities.
Rules engine for decisioning policy and exceptions.
Pricing tools that ensure fair value, strengthen capital efficiency, and align every facility with your risk appetite.
Cyte’s pricing modules calculate facility terms, margins, and return metrics using transparent, risk-adjusted methodologies. Risk teams gain objective pricing grounded in PD/LGD outputs and RAROC logic; managers can evaluate profitability and capital efficiency across clients, sectors, and products; and compliance officers benefit from auditable IFRS 13 valuation processes. With Pricing, lenders can set fair, defensible, and market-aligned terms - ensuring every facility supports portfolio resilience and sustainable returns.
Determines facility pricing, credit limits, and margin structures using risk-adjusted return on capital (RAROC) logic. Risk teams use it to ensure fair pricing relative to risk, managers use it to evaluate portfolio profitability, and compliance teams rely on its transparency for IFRS 13 fair-value assessments and capital efficiency reporting.
Calculates and back-solves for required return on capital (RAROC) by adjusting margin and interest rate parameters within the Pricing module. Enables users to test profitability and capital efficiency against hurdle rates under varying credit and market assumptions.
Performs IFRS 13-compliant valuation of debt instruments and financial guarantees using income-approach and credit-risk-based pricing measures. Provides risk users with valuation consistency, portfolio managers with market-based yield and margin analytics, and compliance officers with auditable fair-value documentation and disclosure outputs.
Monitoring tools that track portfolio performance, predict risk shifts, and ensure proactive, compliant credit management across the lifecycle.
Cyte’s monitoring modules analyse PD/LGD migration, impairments, and behavioural indicators to give risk and operations teams continuous visibility into portfolio health. Managers gain early-warning signals and scenario-driven foresight, compliance officers receive IFRS-aligned audit trails and disclosures, and decision-makers can proactively adjust strategies before risks materialise. With Monitoring, credit teams maintain resilient portfolios grounded in real-time analytics and regulator-ready reporting.
Computes expected credit losses across performing and non-performing exposures using integrated PD, LGD, and EAD inputs. Automates impairment processes for operations, produces portfolio-level provisioning insights for managers, and generates IFRS 9-compliant disclosures and audit trails for compliance. Supports scenario testing and sensitivity analysis.
Runs multi-scenario analyses across PD, LGD, and macroeconomic variables. Automates comparative stress testing, sensitivity analysis, and portfolio impact measurement for IFRS 9, Project Finance, and Hazard-Rate models.
Reporting and compliance tools that automate disclosure, strengthen governance, and ensure full regulatory alignment across IFRS and Basel frameworks.
Cyte’s reporting and compliance modules unify valuation, impairment, lease, and entity-level metrics into a consistent, audit-ready framework. Operations teams benefit from automated calculation engines that remove manual effort and reduce reporting risk; managers gain consolidated, portfolio-level insights for IFRS and Basel submissions; and compliance officers receive transparent, traceable outputs that meet regulatory disclosure standards. With Reporting & Compliance, organisations maintain accuracy, defensibility, and governance at scale - across every asset, exposure, and reporting cycle.
Simplifies ECL calculations for performing loans, integrating PD/LGD metrics directly from Cyte’s rating models. Provides fast, standardised reporting for operations, consolidated impairment results for managers, and regulator-aligned disclosure outputs for compliance teams.
Centralises debt, guarantee, and collateral valuations under the IFRS 13 framework. Enables risk teams to validate instrument-level fair values, gives managers insight into pricing alignment and profitability, and ensures compliance through standardised valuation methodologies and disclosure-ready exports.
Automates the calculation of right-of-use assets, lease liabilities, amortisation, and depreciation schedules under IFRS 16. Supports operational lease tracking, provides management-level lease exposure summaries, and ensures compliance with accurate disclosure templates and integrated audit trails.
Extracts lease data from PDFs using AI-assisted parsing to generate incremental borrowing rates (IBR) and lease-term schedules. Streamlines document capture for operations, maintains consistency across lease portfolios for managers, and enforces compliance through structured, verified lease data extraction.
Integration tools that connect systems, automate data flows, and ensure seamless credit operations across your technology environment.
Cyte’s integration capabilities allow organisations to connect internal systems, external data providers, and downstream reporting tools through secure pipelines and automated workflows. Digital Pipelines manage structured data ingestion and transformation, while BootSure Pipelines orchestrate background processes and integrations across the Suite. Together, these tools ensure that credit data flows smoothly between systems, eliminating manual transfers and maintaining a consistent, auditable operational environment.
Automates background task execution, file processing, and model runs across the Cyte Suite. Provides operational teams with stable job orchestration, managers with workflow transparency, and compliance teams with logged execution histories and system-level audit trails.
Transforms unstructured data into model-ready inputs using predefined mapping rules and cloud-based functions. Enables seamless integration between internal and third-party systems, ensures managers receive consistent analytical data feeds, and maintains full data lineage for compliance and audit purposes.
Integration