Daxe Commercial Loan Process Workflow
Transforming BMO's commercial lending with AI-driven automation, traceability, and policy alignment. Purpose-built for regulated financial workflows that balance growth with risk discipline.

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The Commercial Loan Mandate
Deliver Credit Solutions
Balance growth opportunities with disciplined risk management across all commercial lending activities
Support Key Teams
Empower Relationship Managers, Underwriters, and Credit Officers with efficient, intelligent tools
Ensure Policy Alignment
Every transaction must align with BMO credit policies and regulatory requirements without exception
Improve Cycle Times
Accelerate decision-making while preserving governance and maintaining credit quality standards
Today's Reality: Teams spend excessive time on manual spreading, covenant checks, and memo drafting. Daxe eliminates these critical bottlenecks.

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Challenges
Extended Cycle Times
Commercial loan approvals stretch into weeks, creating client frustration and competitive disadvantage in fast-moving markets
Capacity Constraints
Underwriters dedicate 70-80% of their time to repetitive, non-value-added tasks instead of strategic analysis and relationship building
Inconsistent Risk Oversight
Manual policy application creates inconsistencies, leaving the bank exposed to errors and regulatory scrutiny
Rising Client Expectations
Commercial clients demand faster, more relationship-focused decisions that current processes cannot deliver efficiently
Data Overload
Borrower financials, collateral files, UCC filings, and policy documents overwhelm existing systems and manual processes

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The Daxe Commercial Loan Workflow
Daxe reimagines the commercial loan lifecycle with AI-powered orchestration and GraphRAG-driven traceability, creating seamless automation from origination through portfolio monitoring.
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Origination & Intake
RM uploads borrower financials and documents. Daxe auto-spreads into standardized templates with affiliates and exposures instantly mapped in graph view.
02
Policy & Risk Checks
Automated DSCR, leverage, liquidity checks against BMO policies. Sanctions/KYC surfaced immediately with exceptions flagged and policy citations.
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Structuring & Terms
Daxe proposes loan structures aligned to BMO's appetite with pricing, tenor, amortization, and covenants modeled dynamically.

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Advanced Workflow Capabilities
Credit Memo Drafting
Daxe drafts comprehensive memos with full audit trail back to source documents. Executive Summary, Financial Analysis, and Risk & Mitigants are pre-filled, allowing UW/CO to focus on validation and strategic judgment.
Approval & Closing
Workflow moves seamlessly from UW to CO to CCM. Evidence Drawer provides page-level lineage for every number, while term sheets and redlined agreements are generated directly in Daxe.

Portfolio Monitoring: Daxe continuously monitors exposures and affiliate clusters, flagging Early Warning Indicators across the book while alerting RMs to upsell and cross-sell opportunities.

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Why Daxe
Faster
Achieve 60-80% reduction in underwriting cycle time, transforming weeks-long processes into days while maintaining quality standards.
Smarter
AI agents continuously enforce policy compliance and surface actionable insights across the entire commercial portfolio.
Safer
Every claim and decision is backed by traceable evidence from source documents, ensuring audit readiness and regulatory compliance.
Scalable
Purpose-built for highly regulated industries, ready to support BMO's growth trajectory with enterprise-grade security and performance.
Regulatory Excellence: Already collaborating with regulators including California Deputy Commissioner's Office on compliance-safe AI implementation for banks.

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Portfolio Impact with Daxe
Proactive Monitoring
Prevent defaults through early detection systems that continuously scan portfolio health indicators and market conditions
Audit-Ready
Maintain transparent lineage for regulators and internal audit with comprehensive documentation trails for every decision
Capital Efficiency
Optimize loan structures for risk-weighted asset alignment, maximizing returns while maintaining prudent risk management
Relationship Growth
Faster, smarter decisions drive higher client satisfaction and increased wallet share across commercial relationships

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Daxe Differentiators
Unlike generic copilots or document tools, Daxe is purpose-built for regulated financial workflows with enterprise-grade capabilities.
Proprietary GraphRAG
Ensures complete context and traceability across complex commercial relationships and interconnected entities
Secure AI Data Rooms
Protected environments for sensitive credit files and memos with bank-grade security and compliance controls
Agentic Workflow Engine
Orchestrates complex underwriting tasks end-to-end with intelligent automation and human oversight integration
Proven Track Record
Trusted by 70+ institutions across banking, law, and government sectors with demonstrated regulatory compliance

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The Future of Commercial Lending
Days
Faster Approvals
Transform weeks-long processes into rapid, efficient decisions
100%
Portfolio Insights
Comprehensive intelligence across entire commercial portfolio
Built-in
Compliance
Regulatory alignment and audit readiness integrated throughout
Daxe delivers the Commercial Loan Process Workflow of the future—helping BMO achieve Responsible Growth at scale through AI-empowered lending excellence.

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