AI agents could become credit risk managers… almost

USS Bulkeley in the Strait of Hormuz, 2016

US destroyer in the Strait of Hormuz: the Iran conflict has tested banks’ credit monitoring processes

Generative and agentic artificial intelligence could ultimately run much of the credit stress-testing process end to end, according to risk managers – but humans will still need to be accountable for the decision-making.

“There are conversations around teaching GenAI how to think through your portfolio, come up with your scenario design, your scenario analysis, test it, even do model validation,”

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