CIP saas

Credit Intelligent Platform (CIP) is a secure, AI-assisted credit workflow platform built for banks and commercial lenders. It replaces fragmented spreadsheets and email threads with a single workspace where relationship managers, credit analysts, credit managers, and risk officers can originate loans, analyze financial and non-financial risk, run policy checks, generate credit memos, and manage committee review — all within Microsoft 365.

CIP integrates with Microsoft Fabric for scalable analytics warehousing, Microsoft Entra ID for single sign-on and role-based access, and Microsoft Teams for review notifications and collaboration. Customers can choose a production deployment backed by their own Azure SQL database or start immediately with a fully functional demo sandbox powered by synthetic data.

Key capabilities include:

- Unified borrower 360° view: Aggregate borrower profiles, facilities, transactions, repayments, collateral, and documents in one screen.

- AI-assisted credit analysis: Run deterministic risk calculations and generate AI-drafted credit memo sections that analysts can edit, refresh, and version.

- Policy compliance engine: Apply bank-specific policy rules and approval matrices with clear exception tracking.

- Committee review workflow: Submit cases for review, record decisions, track overrides, and notify managers via Microsoft Teams.

- Microsoft Fabric integration: Optional Fabric-connected analytics warehousing and reporting.

- Demo sandbox mode: Evaluate the full workflow immediately without connecting core banking systems.

CIP is designed for financial institutions that need a modern, auditable credit workflow while retaining human control over every credit decision.

Getting started: After purchase, open the CIP activation page, sign in with Microsoft Entra ID, and complete tenant setup. Full onboarding steps: https://cipdocsn5vf2j.z13.web.core.windows.net/GETTING_STARTED.html

Support: Email henry.chamwa@oticgroup.net or https://cipdocsn5vf2j.z13.web.core.windows.net/SUPPORT.html