Microsoft Scenario Library Financial Services Banking – Speed credit memo generation

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Financial Services scenario: Banking – Speed credit memo generation

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Scenario

In Banking speed the loan process

1. Extract the customer documents

Extract the relevant customer information and documents to analyze the loan application.

Copilot Studio icon

Copilot Studio Agent

Benefit: Use Copilot to compile and create a summarized report with customer financial documents, project documents, customer financial statements, business details, and the loan application.

Assess the loan application by calculating financial ratios, conducting peer comparisons, and assessing the internal credit rating and news on the customer.

Copilot Studio icon

Copilot Studio Agent

Benefit: Use Copilot to compute the financial ratios and assess the credit rating. Compare with internal policy and create draft a note with the summary of the assessment along with the loan decision status.

Summarize the assessment details along with the justification of the decision status of the loan to communicate to the customer.

Copilot Studio icon

Copilot Studio Agent

Benefit: Use Coplot to quickly draft an email for the customer including the loan assessment summary and justification of the decision.

Generate a draft credit memo of the loan with the information from the assessment.

Copilot Studio icon

Copilot Studio Agent

Benefit: Copilot can use the loan assessment information to immediately create the draft credit memo using the defined template.

Use Copilot Pages to summarize the credit memo features for further discussion with credit analyst and compliance officer.

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Microsoft 365 Copilot Chat1

Benefit: Use Copilot to draft an email to credit analysts and compliance officer outlining the details of the credit memo for further review.

KPIs

Opportunity to impact key functional area KPIs

Generate insights and content within the everyday flow of work, expedite investigations, and communicate more effectively to prevent and remediate compliance issues.
Speed data analysis and reporting
  • Quickly analyze trends
  • Generate informative charts
  • Create strategy presentations

Improve productivity by leveraging automation to quickly prioritize and accomplish daily tasks, optimize processes, and save time and effort on daily tasks.
Boost productivity
  • Rapidly research customer interactions
  • Create first drafts faster
  • Check for similar issues and resolutions
  • Quickly send follow-up communications

Differentiate customer interactions from competitors to help increase market share; Reduce the time for comprehensive portfolio evaluation with change recommendations reflecting market dynamics; Build trust and confidence among clients leading to increased number of active investors. 
Improve customer meetings
  • Research company information
  • Learn how to pitch the product
  • Organize information from past interactions
  • Completely focus during the meeting

Streamline operations for faster resolution of customer issues, providing tools for decision-making and strategy development. This can lead to higher customer satisfaction, increased customer lifetime value, and maximized customer investment portfolio.
Improve customer satisfaction
  • Diagnose a problem quickly using
    external and internal databases
  • Automated analysis using customer data and knowledge base
  • Quicker and more accurate draft responses
    based on historical resolution data
  • Proactive and personalized follow-up communications

The content in this example scenario is for demonstration purposes only. You should evaluate how Copilot aligns with your organization’s business processes, regulatory requirements, and responsible AI principles.