Build a collateral model, just by asking
A signed loan agreement, two requests in plain language, and a few minutes later: a ready collateral model, an allocation and a risk analysis. Here is how the Hands-Off AI Assistant works inside ApPello Collateral Management.
Collateral teams know the routine. A new loan is signed, and someone has to read the agreement, create the exposure, register each asset, link the collateral, set the limits and run the allocation. It is careful, repetitive work, and it is exactly the kind of work an AI assistant can prepare for you.
From agreement to model
In our new video, a bank has just signed a EUR 400,000 housing loan with its client, secured by a house and a flat. Instead of entering the data by hand, the user opens the Hands-Off AI Assistant, attaches the agreement as a PDF and describes what is needed: one new loan, covered by the two properties, with the risk limit set to the loan amount.
The assistant checks that the client matches the agreement and explains its plan before it changes anything. Then it builds the model: the loan with its risk limit, the EUR 500,000 house and the EUR 100,000 flat linked as collateral, plus the agreement number, dates and cadastral references. One click, and the new model is ready in the graphical editor.
Allocation and a clear answer
The allocation runs in one click: EUR 250,000 of acceptable value from the house and EUR 60,000 from the flat. That is EUR 310,000 against a EUR 400,000 loan.
So the user asks a follow-up question: can the gap be closed with other client assets? Minutes later, the answer is ready. Coverage stands at 77.5%, leaving a EUR 90,000 gap. A EUR 100,000 deposit outside the model could close it once it is confirmed. A stress scenario adds one more insight: even with the deposit, a 10% drop in property values would still leave a EUR 21,000 shortfall. Everything is summarised in a three-page PDF report.
You stay in control
The assistant prepares, explains and recommends, but it never changes the model silently. Every step is visible, traceable and approved by the people who own the decision.
A ready model, an allocation and a risk analysis, in minutes. Without forms, copying, or switching between screens.
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