Where Lombard lending meets intelligent automation.
A comprehensive, AI-powered credit management solution for private banks and wealth managers handling complex Lombard lending. Streamline the entire credit lifecycle — from origination and collateral management to risk monitoring and regulatory compliance — on a single, unified platform.
Core value propositions
SpeciCRED consolidates fragmented ecosystems into a centralised Credit platform.
Monitor your entire Lombard portfolio in real time with intelligent dashboards. Track LTV ratios, margin call thresholds and credit utilization across thousands of clients at a glance.
Embedded AI copilots provide contextual insights, generate justifications for breach cases and recommend actions — always with human-in-the-loop validation for compliance and control.
From client onboarding and credit requests to collateral pledging, breach management and capital reporting — every step of the Lombard lifecycle in one seamless experience.
Built-in support for Basel III/IV risk-weighted assets, capital adequacy monitoring and comprehensive audit trails to meet evolving regulatory requirements.
The industry standard
SpeciCRED is more than a monitoring tool. It anticipates credit risks, identifies optimization opportunities and triggers smart alerts before thresholds are breached. With no data leaving your environment, private banks gain real-time decision support and proactive risk control without compromising confidentiality or compliance.
Key components
Every component is production-ready and standalone, yet purpose-built to compose into a complete credit lifecycle — from the first pledge to the final regulatory report.
A single source of truth across every client, group and entity.
Detect, prioritize and resolve risk events before they escalate.
Pre-trade clarity for relationship managers and credit officers.
From request to drawdown without leaving the platform.
Full pledge lifecycle, every asset class, every jurisdiction.
Always-on intelligence, always under human control.
A granular limit framework that mirrors your governance.
Decision-ready outputs for the board, the regulator and the desk.
Seven production-grade agents already running in our AI Agents Control Center for private banks — configured, monitored and audited from a single pane of glass. Live updates, full audit trail, human-in-the-loop where it matters.
Co-pilots in suite
7
Production-ready
Suite success rate
95.7%
Across all agents
Decision time saved
−65%
On credit committee prep
Audit trail coverage
100%
Every action traceable
Health check on every credit file
Performs a full health check on each credit file — required documentation, portfolio composition, client history, risk scoring and context analysis — and outputs an indicative approval trend for the credit committee.
Liquidity analysis and action recommendation
On every breach, runs a liquidity analysis and explains the situation. Recommends the most relevant action — margin call, capital injection request, portfolio reallocation, risk acceptance or legal intervention — with the supporting documentation attached.
Stress tests ready to activate
On a topic given by the credit risk officer, structures stress test scenarios that take into account each client's actual data and delivers them ready to activate in SpeciCRED.
Lending suggestion — yes, no, how much
Reads any termsheet and checks it against your credit policy, the observation period and your existing book — then issues a clear lending suggestion (yes / no / how much) with the supporting rationale.
Mass processing of simple credit files
Handles the 80% of simple, non-strategic credit files — facilities under CHF 2M, Pool 4 clients, retail-like profiles — by analysing the data in bulk and drafting comments and documents ready to be sent.
SSRS reports on demand, built on Trajan
Generates SSRS reports and dashboards on demand from all existing data — built on the same foundations as the Trajan chatbot — and delivers them to analysts and decision-makers.
Option strategies, both legs analysed
Manages option strategies — Accu/Deco, TARF, Strangle — by analysing both legs of the structure and suggesting whether to increase or decrease the risk exposure.
AI Agents Control Center
Live updates, exportable audit log, granular RBAC and a pending-review queue keep your operations team and your second line of defense in control at all times.
Scope calculator
Tell us about your bank profile and we will recommend an engagement tier, the right deployment posture and the level of governance to plan for. No prices — those are quoted privately by our Talent team after a discovery call.
Why SpeciCRED
Banking-grade engineering, banker-led product design and an AI philosophy where humans always have the final word.
Every screen reflects the real workflow of relationship managers, credit officers and risk teams — never generic enterprise UI.
AI accelerates decisions without replacing judgment. Every suggestion carries a confidence score, source reasoning and an explicit human approval step.
Deploy what you need, when you need it. Each module integrates seamlessly but can also operate independently within your existing stack.
Bank-grade encryption, comprehensive audit logs, role-based access control and compliance with international banking standards.
Clean, fast and accessible from any device — built on modern web standards for the next generation of private banking professionals.
Target audience
Managing Lombard credit facilities at scale.
Operating complex multi-asset collateral structures.
Coordinating multi-generational lending and pledges.
Providing margin financing across mandates.
Requiring transparent risk reporting and full traceability.
Use cases by role
Each persona gets a tailored experience — same data, same audit trail, different decisions.
Client portfolio overview, simulation tools, AI insights for client meetings.
Credit request approval, LTV monitoring, breach management.
Concentration analysis, RWA reporting, capital adequacy tracking.
Justification workflows, audit trails, regulatory reporting.
Pledge management, collateral substitution, document processing.
Portfolio dashboards, capital ratios, strategic insights.
API-driven architecture
SpeciCRED integrates with major core banking systems including Avaloq, AZQORE, OLYMPIC, FNZ, G2, Temenos and Finnova. A certified Temenos Transact integration via Temenos Exchange enables fast, secure deployment alongside your existing custody, market data and accounting infrastructure.
See it in action
Walk through SpeciCRED with a banking expert against your own use cases — no slideware.
Built for scale
From boutique private banks to global wealth managers — SpeciCRED scales with your portfolio.
Ready when you are
Drops into your existing core banking, custody and market data systems with minimal disruption.
FAQ
See how SpeciCRED unifies origination, collateral, monitoring and reporting — with AI that actually accelerates your bankers.
Best Credit Solution of the Year
Winner
Global Private Banker WealthTech Awards 2026
AI Excellence in WealthTech
Highly Acclaimed
Global Private Banker WealthTech Awards 2026
Risk Profiling Solution
Winner
WealthBriefing Swiss Awards 2026
