Alex Raison — AI Credit Analyst | OneNexus
Hi, I am Alex. Your AI Credit Analyst.

Your analysts spend 65% of their day
copying numbers from PDFs
into spreadsheets.

Not analysing credit. Not making decisions.
I handle that entirely — so your team can focus on the work only humans should be doing.

<60s
Per spread
0.5%
Error rate
£93
Cost per spread
24/7
Always on

🤖
Alex Raison
AI Credit Analyst · Nexus Output Unit (NCU)
Financial Spreading Credit Memos Covenant Monitoring 24/7 Available SR 11-7 Compliant Human-Final
"I am not here to replace your analysts. I am here to stop them spending most of their day on work that should never have required a human in the first place."

A different kind of credit analyst. One that never sleeps.

I am a Nexus Output Unit (NCU) — a governed AI analyst built for tier-1 financial institutions. I ingest borrower documents, extract every figure with full source provenance, draft your credit memos, and monitor your covenants around the clock.

What matters most: every output I produce is reviewed and signed off by a Nexus credentialed professional before it reaches your desk. Regulatory accountability is never delegated to a model.

You do not buy a software licence. You do not hire a headcount. You buy finished, auditable work — delivered at machine speed, governed at human standard.

Book a Demo

How I work

From document in to output delivered.

Every completed output is a Nexus Output Unit — traceable, auditable, and ready to use the moment it lands on your desk.

01
📄

Document In

Borrower PDF uploaded. Any format, any complexity — annual reports, interim filings, management accounts.

02

I Extract

Every figure extracted, cross-validated, and source-cited in under 60 seconds. No re-keying. No guessing.

03
👁

I Review & Sign Off

My credentialed professional team reviews every output and signs off before delivery. Nothing reaches your desk without human approval.

04

NCU (Nexus Output Unit) Delivered

Completed output — spread, memo, or monitoring alert — signed off, fully auditable, ready to use.

This is what your team receives. A completed financial spread — every figure sourced, every cell traceable, exceptions already reviewed and resolved by a Nexus professional. Produced in 47 seconds.
OneNexus · Financial Spreading · Alex Raison NCU · Borrower: Acme Holdings PLC Processed in 47s ✓ Spread Complete
Field Value (£m) Source Confidence Status
Total Revenue£842.3mp.14 · Table 2
99.1%
✓ Verified
EBITDA£187.6mp.14 · Table 2
99.4%
✓ Verified
Net Debt£312.1mp.22 · Note 8
98.7%
✓ Verified
Net Debt / EBITDA1.66xCalculated
100%
✓ Verified
Capex (FY2023)£41.2mp.31 · Note 14
84.2%
⚠ Review
Beyond spreading. I also monitor your covenants in real time and flag risks before they become problems.
OneNexus · Covenant Monitoring · Alex Raison NCU
Live Covenant Dashboard · Q4 2024
Net Leverage Ratio
Current: 3.2xThreshold: 4.5x · 72% utilized
Interest Coverage
Current: 5.8xThreshold: 3.0x · Headroom: 38%
⚠️
Early Warning · 112 days aheadNet Leverage approaching threshold. Trajectory suggests breach by Q2 2025 if current burn continues.
OneNexus · Credit Memo Draft · Alex Raison NCU
Credit Approval Memo · Acme Holdings PLC
BorrowerAcme Holdings PLC
Facility TypeRCF · £150m
Risk RatingBB+ / Stable
Recommendation✓ Approve
Memo generated in14 min 32 sec
Nexus Professional Sign-Off ObtainedReviewed and approved by Nexus Senior Credit Professional. Full audit trail attached.

The numbers

What changes when I join your team.

These are not projections. This is what institutions running on Nexus Output Units measure at day 30.

MetricBefore AlexWith Alex
Time per spread2–3 hours< 60 seconds
Cost per spread£270–£300£93
First-pass error rate3–5%0.5%
Analyst time on data entry55–65% of day0% — fully automated
Credit memo turnaround4 hours average15 minutes

What I deliver

Six things I handle so your team does not have to.

Every output is a completed NCU — signed off, sourced, and ready to use.

📄

Financial Spreading

Every figure from borrower PDFs in under 60 seconds. Mapped to your template, every number traced to source.

📝

Credit Memo Drafting

Structured credit approval memos in 15 minutes — from raw filing to draft, reviewed and signed off by a Nexus professional.

⚠️

Covenant Monitoring

24/7 tracking across your loan book. Early-warning alerts issued 90–180 days before potential breach.

🏦

Collateral Valuation

Real-time monitoring of collateral metrics for asset-based lending. Always on, never fatigued.

💧

Cash Flow Forecasting

Automated liquidity analysis. Anomaly detection and executive review packs generated automatically.

🔍

Full Audit Trail

Every data point traceable. Every output cell-level auditable. Every delivery carries a Nexus professional sign-off.


Who I work with

The right people, finally doing the right work.

When I join your team, here is what changes for each person.

🏛️
Head of Credit
Ops Buyer
Currently spending the team's time waiting on spreads that take days.
I deliver same-day spreads as standard. Your Head of Credit stops managing a backlog and starts managing a competitive advantage.
⚖️
CRO
Risk Buyer
Currently carrying the liability of a manual process with no end-to-end audit trail.
Every output I deliver is reviewed and signed off by a Nexus credentialed professional. Full field-level audit trail on every number. Your CRO has the proof a regulator would ask for.
📊
CFO
Cost Buyer
Currently watching headcount grow in line with deal flow — with no end in sight.
My cost is fixed. Your team is redeployed — not replaced. Analysts move from data entry to credit judgement. The CFO gets a cost structure that scales with output, not with hiring.

...and anyone on your team who touches credit data.


Get started

One owner. Three tasks. 30 days.

No procurement committee. No IT project. No long-term commitment.
Just results — or we learn why together.

1
Named owner
A senior analyst or Head of Credit ops. About 2 hours per week during the pilot.
3
Sample documents
3–5 representative borrower packs. Any format, any complexity. Redacted is fine.
30
Days
Meaningful results inside 2 weeks. We say 30 because we under-promise.
I do not need access to your core systems, your IT team, or your procurement process to start.
Book a Demo
Contact

Let us talk.

Tell me what your team is working on. I will show you what I can do — with your data, in your workflow, in 30 days.

I will get back to you within 1 business day.