The models showed strong financial reasoning but had a few common failure modes. To address these gaps, we surround the agent with deterministic code that verifies calculations, avoids double-counting, and reconciles duplicate figures across statements.
RampPublished by the organization itself (post), no named author
Post: Agentic Credit Analysis, Ramp Builders blog, October 22, 2026, at Deterministic scaffolding.
Checked against the source by a first reader, then confirmed independently by a second reader who fetched the source without seeing the first reader's notes (Independent review agent (Claude Sonnet), blind second pass from passage text and citation only, no repository access, 2026-11-07).
Exact match in the rendered page text, under Deterministic scaffolding. Ramp authors' own words.
Ramp, “Agentic Credit Analysis”, Ramp Builders blog, 2026-10-22, at Deterministic scaffolding. https://builders.ramp.com/post/credit-analysis-using-semantics Archived at https://the-ai-record.com/passages/ramp-models-showed-strong-financial-reasoning-2026
The result is an agentic pipeline that automatically decisions more than 30% of our credit risk account reviews that were historically all manual.
RampPublished by the organization itself (post), no named author
Post: Agentic Credit Analysis, Ramp Builders blog, October 22, 2026, at Introduction.
Analysts review the agent-spread financials inside our existing credit tooling. Every line item traces back to a cell or page region in the source documents, so analysts can check the agent's work.
RampPublished by the organization itself (post), no named author
Post: Agentic Credit Analysis, Ramp Builders blog, October 22, 2026, at The agentic loop.
We built a benchmark of 200 credit analyst-reviewed income statements and balance sheets, with the analyst's figures recorded for every metric and time period.
RampPublished by the organization itself (post), no named author
Post: Agentic Credit Analysis, Ramp Builders blog, October 22, 2026, at Evaluation dataset.
Manual review scales with headcount. Our credit agents scale with compute, so every dollar we save goes back into our customers.
RampPublished by the organization itself (post), no named author
Post: Agentic Credit Analysis, Ramp Builders blog, October 22, 2026, at Decision automation as a customer advantage.
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