Autonomous Credit Covenant & Compliance Agent
Enterprise-grade AI agent for automated verification of corporate credit loan agreements — 93.3% exact match accuracy, 1.65ms BM25 retrieval, 86.9% token reduction on 50-page legal contracts.
Financial institutions spend thousands of hours manually auditing loan dossiers to verify covenant compliance (Leverage Ratios, Capex Limits, Related-Party Transaction Caps). Human error rates are high, and each audit cycle takes days.
A modular, decoupled pipeline: multithreaded PDF ingestion with OCR fallback → deterministic regex + LLM classifier → Okapi BM25 paragraph ranker → sandboxed Python arithmetic engine (zero LLM math) → multi-currency FX calculation → automated HTML compliance report & executive dashboard.
Architecture Highlights
Zero LLM arithmetic — sandboxed Python float engine handles all calculations
86.9% input token reduction via BM25 paragraph snippet retrieval on dense legal PDFs
Multi-currency FX engine (KZT, EUR, RUB → USD) with dynamic rate extraction
Bi-directional marginal transaction selector — identifies single transactions that flip breach status
100% offline execution capability via Ollama on Apple Silicon
Auto-generated HTML executive dashboard + machine-readable audit trail JSON
Tech Stack
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Available for Founding Engineer roles & architecture contracts.