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AI Transformation in Private Credit Underwriting and Portfolio Management

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AI Transformation in Private Credit Underwriting and Portfolio Management
Case Overview:
Background & Challenge
Our client is a leading provider of private credit provider for growth stage companies, recognizing the need to modernize its underwriting and portfolio management processes. Facing rapid growth, increasing deal complexity, and a competitive private credit landscape, the firm sought greater efficiency, precision, and scalability. Leadership identified AI as a strategic lever to automate manual tasks, enhance decision-making, and free up talent for higher-value work.
Current State: Workflows, Roles, and Team Capabilities
Workflows:
  • Manual data collection, spreadsheet-based modeling, frequent cross-team meetings.
  • Origination teams gathered 50+ data points per deal, inputting into Salesforce and preparing internal memos for credit review.
  • Credit and portfolio teams conducted deep due diligence, financial modeling, and ongoing monitoring, with significant time spent on repetitive data validation and reporting tasks.
Job Responsibilities:
  • Associates and VPs focused on data gathering, financial analysis, and preparing investment materials.
  • Principals and Managing Directors led deal structuring, negotiations, and portfolio oversight.
  • Portfolio valuation roles required quarterly modeling, compliance, and stakeholder collaboration.
Behavioral & Cognitive Abilities:
  • High cognitive ability (85%+), strong analytical skills, and a bias for action.
  • Behavioral assessments showed strengths in detail orientation, initiative, and collaboration.
  • Only 25% of staff strongly agreed they understood all 14 points of organizational clarity.
Transformation Vision: The Future State with AI
AI Assistant Integration:
  • Automate data collection, validate compliance, flag anomalies, dynamically update underwriting models, enable scenario analysis, and provide actionable dashboards.
  • Routine reporting and compliance handled by AI, freeing professionals for strategic analysis and client engagement.
Envisioned Role Changes:
  • Associates and VPs shift to interpreting AI insights and relationship management.
  • Principals and MDs leverage AI for scenario planning and risk assessment.
  • Portfolio valuation professionals focus on exception handling and strategic communication.
Behavioral & Cognitive Impact:
  • Upskilling in AI literacy, data interpretation, and change management.
  • Foster a culture of continuous learning, adaptability, and cross-functional collaboration.
Roadmap for Transformation
  • Process Mapping & Clarity: Document workflows, roles, and systems; identify pain points and automation opportunities.
  • AI Technology Selection & Pilot: Evaluate platforms, pilot tools for data ingestion, compliance, and reporting.
  • Talent Assessment & Upskilling: Assess profiles, deliver targeted training.
  • Workflow Redesign: Redefine responsibilities, implement AI dashboards.
  • Change Management & Communication: Engage teams, establish new metrics.
  • Full-Scale Rollout & Continuous Improvement: Scale adoption, monitor outcomes, iterate.
Outcomes
  • Increased efficiency: Significant reduction in manual data entry and reporting time.
  • Enhanced decision quality: AI-enabled insights improved risk assessment and portfolio performance.
  • Talent optimization: Professionals focused on value-added activities, improving satisfaction and retention.
  • Organizational clarity: Clearer roles, processes, and metrics, with improved alignment.
  • Scalable growth: Positioned for continued expansion with a future-ready operating model.
Client
NDA 20+ Billion Commercial Bank
Location
United States
Services
Strategic Team Building
Duration
18 Months (Q1 2026 u2013 Q2 2027)

What makes Doherty unique?

Mission Alignment:
Deep understanding of client strategy and culture, ensuring technology adoption supports core values.
Strategic Analysis:
Comprehensive mapping of workflows, roles, and behavioral drivers to inform transformation.
Talent & Team Profiling:
Use of cognitive and behavioral assessments to align talent with future-state needs.
Tailored Search & Development:
Customized upskilling and talent acquisition to support new workflows.
Advisory Support & Integration:
Ongoing partnership to guide change management, measure outcomes, and ensure sustainable impact.
Manual Processing Time
50 %
In overall reduction.
Increase in Deal Throughput
20 %
Or more in deals processed annually.
Employee Clarity & Engagement
85 %
Positive responses on clarity survey.
Portfolio Performance Improvement
3
In risk-adjusted returns.

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