Forward to: Commercial Team

Commercial Banking
Workflows

Ten agent workflows for the Commercial Banking team — automated business client prospecting, industry vertical analysis, trade finance intelligence, commercial lending risk assessment, treasury services opportunity detection, supply chain finance mapping, business deposit growth, relationship deepening intelligence, commercial real estate monitoring, and client lifecycle management — providing comprehensive domain-level commercial banking signals.

1Business Client Prospecting

AI agent identifies high-potential business clients by analyzing company web properties for growth signals, funding events, expansion indicators, and financial sophistication markers that indicate readiness for commercial banking products.

1
Identify Growth-Stage Companies
/careers /press /investors /products IAB Categories OpenPageRank
COMMERCIAL PROSPECT IDENTIFICATION — GROWTH COMPANIES ════════════════════════════════════════════════════════════ TARGET MARKET: Mid-market companies ($10M-$500M revenue) DOMAINS SCANNED: 47,000 in target IAB categories TOP PROSPECTS IDENTIFIED: precisionaerospace.com — Aerospace components manufacturer /careers: 67 open positions — 84% growth in 6 months /press: $42M defense contract awarded — revenue catalyst /investors: Just closed $28M Series B — growth capital secured /products: Expanded product line — 3 new aerospace components IAB: Business & Industry | PageRank: 4.8/10 — established player PROSPECT SCORE: 91/100 — Ideal commercial banking candidate organicharvest-foods.com — Organic food distributor /careers: 42 warehouse and logistics roles — expansion signal /products: Distribution expanded from 3 states to 12 states /press: Walmart and Whole Foods distribution agreements announced /about: Revenue doubling annually for 3 consecutive years IAB: Food & Drink | PageRank: 3.9/10 PROSPECT SCORE: 87/100 — Rapid growth, needs working capital facility
2
Score and Prioritize Prospects
Prospect Signal
Precision Aerospace — Ideal Timing — $42M defense contract + $28M Series B = immediate banking needs: working capital line, equipment financing, treasury management. 84% hiring growth indicates operational scaling. Defense contract provides revenue visibility for underwriting. Recommend immediate outreach via aerospace industry RM.
HOT PROSPECT — Contact within 7 days of defense contract announcement
3
Generate Prospect Pipeline Report

Commercial Prospect Pipeline — Q1 2026

PIPELINE SUMMARY ──────────────────────────────────────── Domains scanned: 47,000 | Qualified prospects: 234 | Hot leads: 18 Estimated revenue opportunity: $4.2M in annual banking fees TOP 5 PROSPECTS BY SCORE 1. Precision Aerospace (91/100) — Defense contract, $28M Series B 2. Organic Harvest Foods (87/100) — Rapid expansion, Walmart/WF distribution 3. CloudSecure Systems (84/100) — Series C, SaaS treasury needs 4. Metro Construction Group (82/100) — $180M project pipeline, bonding needs 5. GreenEnergy Solutions (79/100) — Government grants, project financing needs

2Industry Vertical Analysis

AI agent analyzes industry verticals by monitoring sector-specific company domains for growth trends, regulatory changes, competitive dynamics, and market disruption signals that inform commercial lending strategy and sector specialization.

1
Monitor Sector Health Indicators
/careers /products /investors /press IAB Categories Personas
INDUSTRY VERTICAL ANALYSIS — SECTOR HEALTH DASHBOARD ════════════════════════════════════════════════════════════ SECTORS MONITORED: 12 target verticals COMPANIES PER SECTOR: 500-2,000 domains SECTOR HEALTH SCORES: Healthcare Technology: 89/100 (↑ from 82) /careers: +32% avg hiring across 847 healthtech domains /products: 67% launching AI-powered features /press: Record funding quarter — $14.2B sector-wide LENDING APPETITE: INCREASE — Strong fundamentals across sector Commercial Real Estate: 52/100 (↓ from 68) /careers: -18% avg hiring, 42% of firms showing reductions /products: 23% of developers pausing new projects /investors: Rising cap rates disclosed on 67% of RE domains LENDING APPETITE: TIGHTEN — Sector headwinds intensifying Logistics & Supply Chain: 78/100 (↑ from 71) /careers: +22% avg hiring — demand recovery signal /products: 45% of firms adding automation/AI capabilities /press: Near-shoring trend driving domestic expansion LENDING APPETITE: MAINTAIN — Selective growth opportunities
2
Identify Sector Opportunities & Risks
Sector Signal
Healthcare Tech — Expansion Opportunity — Sector health score 89/100, highest in our monitoring universe. 32% hiring growth + record $14.2B funding quarter + AI feature adoption at 67% = robust growth across the vertical. Recommend increasing healthcare tech lending limits by 25% and deploying specialized relationship managers.
EXPAND — Healthcare tech vertical at peak health

3Trade Finance Intelligence

AI agent supports trade finance operations by monitoring importer/exporter digital profiles, verifying trade counterparties, tracking commodity market indicators, and detecting documentary fraud signals across international trade transactions.

1
Verify Trade Counterparties
/products /about /partners /contact Countries Domain Ages
TRADE FINANCE COUNTERPARTY VERIFICATION ════════════════════════════════════════════════════════════ LC APPLICATION: $8.4M irrevocable LC for steel imports BENEFICIARY: Pacific Steel Trading Co. pacificsteeltrading.com /products: Detailed steel product catalog — grades, specifications, certifications /about: Established 2004, member of Japan Iron & Steel Federation /partners: Mill relationships: Nippon Steel, JFE, POSCO /contact: Offices in Tokyo, Shanghai, Ho Chi Minh City — verified addresses Countries: Japan (primary) | Domain Age: 7,847 days PageRank: 4.2/10 — established trade company COUNTERPARTY VERIFIED — Legitimate steel trading entity CROSS-CHECK: Applicant's trading relationship /partners on applicant's domain: Pacific Steel listed as supply partner since 2019 TRADE RELATIONSHIP CONFIRMED — Consistent with prior transactions
2
Assess Trade Transaction Risk
Trade Signal
Pacific Steel — Low Risk Counterparty — 20-year domain history, verified mill partnerships, Japan Iron & Steel Federation membership, multi-country office presence. Applicant's own website confirms ongoing trading relationship. LC amount of $8.4M is consistent with counterparty's scale and product catalog. Recommend standard processing.
VERIFIED — Standard LC processing approved

4Commercial Lending Risk Assessment

AI agent enriches commercial lending decisions by analyzing borrower digital health, competitive positioning, management team quality, and market conditions through comprehensive web presence evaluation that supplements financial statement analysis.

1
Evaluate Borrower Digital Health
/about /products /leadership /careers OpenPageRank Personas
LENDING RISK ENRICHMENT — $25M TERM LOAN APPLICATION ════════════════════════════════════════════════════════════ APPLICANT: Metro Construction Group REQUEST: $25M Term Loan for equipment financing metroconstructiongroup.com /about: Founded 1992, 34 years in business, $180M annual revenue /products: Active project portfolio — 12 current projects listed /leadership: Experienced management team, CEO with 28 years industry experience /careers: 89 open positions — growth trajectory confirmed /press: Won 3 municipal contracts in Q4 2025 totaling $67M /partners: Bonded by Zurich, safety certifications current PageRank: 4.4/10 | Domain Age: 11,412 days (31 years) DIGITAL HEALTH SCORE: 88/100 — Strong operational indicators
2
Generate Lending Decision Support

Lending Risk Assessment — Metro Construction Group

WEB-ENRICHED CREDIT ASSESSMENT ──────────────────────────────────────── Digital Health Score: 88/100 | Domain Age: 31 years | PageRank: 4.4/10 POSITIVE INDICATORS 1. 34-year business history verified via domain age and /about page 2. Active project pipeline: 12 projects + $67M new municipal contracts 3. 89 open positions — growth trajectory without distress signals 4. Bonding by Zurich confirmed — external credit validation 5. Leadership stability — CEO with 28 years, no recent departures RECOMMENDATION APPROVE — Digital health indicators strongly support financial statements. Equipment financing aligns with municipal contract pipeline growth.

5Treasury Services Opportunity Detection

AI agent identifies treasury management opportunities by monitoring client and prospect companies for cash management complexity indicators, international expansion, payment volume growth, and operational treasury needs.

1
Detect Treasury Service Needs
/about /contact /products /pricing Countries IAB Categories
TREASURY OPPORTUNITY DETECTION — COMMERCIAL CLIENTS ════════════════════════════════════════════════════════════ rapidlogisticsinc.com — Current client, basic deposit relationship /contact: Added offices in 4 new countries — Mexico, Brazil, UK, Germany /products: Launched cross-border freight management platform /pricing: Now quoting in 8 currencies (was 2) — FX exposure growing /careers: Hired VP of Treasury — first dedicated treasury hire Countries: Expanded from 2 to 6 countries in 12 months TREASURY NEED: International cash management, FX hedging, multi-currency accounts ecommercelogix.com — Prospect, not yet a client /products: Payment processing for 12,000+ merchants /about: Processing $2.1B in annual payment volume /api: API documentation suggests sophisticated payment infrastructure TREASURY NEED: Payment processing, escrow accounts, merchant settlement
2
Prioritize Cross-Sell Opportunities
Treasury Signal
Rapid Logistics — International Treasury Expansion — Client expanded from 2 to 6 countries with multi-currency pricing. First dedicated VP of Treasury hire signals sophistication inflection point. Current relationship is basic deposit only. Immediate cross-sell opportunity: international cash management, FX hedging, multi-currency ZBA structure, and trade finance facilities.
CROSS-SELL — $420K+ annual treasury fee opportunity

6Supply Chain Finance Mapping

AI agent maps client supply chain networks by analyzing partner pages, vendor relationships, and trade flow patterns to identify supply chain finance opportunities including reverse factoring, dynamic discounting, and working capital optimization.

1
Map Client Supply Chain Networks
/partners /products /about /sustainability Countries IAB Categories
SUPPLY CHAIN FINANCE MAPPING — ANCHOR CLIENT ANALYSIS ════════════════════════════════════════════════════════════ ANCHOR CLIENT: NationalRetail Corp ($4.2B revenue) SUPPLY CHAIN MAPPED: 847 supplier domains identified SUPPLIER NETWORK ANALYSIS: /partners page analysis — 124 named suppliers Cross-reference with domain database: Tier 1 suppliers: 124 domains (named on /partners) Tier 2 suppliers: 423 domains (identified via /partners of Tier 1) Tier 3 suppliers: 300 domains (extended network) SCF OPPORTUNITY INDICATORS: /sustainability: Client committed to "supplier diversity" program Supplier IAB analysis: 67% are small businesses (SME financing opportunity) Countries: Suppliers span 14 countries — cross-border SCF potential ESTIMATED SCF PROGRAM SIZE: $420M in annual payables
2
Design SCF Program Structure

Supply Chain Finance Opportunity — NationalRetail Corp

SCF PROGRAM DESIGN ──────────────────────────────────────── Anchor client: NationalRetail Corp | Annual payables: $420M Supplier network: 847 domains mapped across 3 tiers PROGRAM COMPONENTS 1. Reverse factoring: $420M in eligible payables, 67% SME suppliers 2. Dynamic discounting: $180M in early payment eligible invoices 3. Cross-border SCF: 14 countries, multi-currency settlement 4. Supplier diversity financing: Aligned with client's ESG commitments 5. Estimated annual fee income: $2.1M (reverse factoring + DD combined)

7Business Deposit Growth

AI agent identifies deposit growth opportunities by monitoring business expansion signals, seasonal cash flow patterns, fundraising events, and capital accumulation indicators across commercial client and prospect domains.

1
Detect Deposit Growth Signals
/investors /press /products /careers IAB Categories OpenPageRank
DEPOSIT GROWTH OPPORTUNITY DETECTION ════════════════════════════════════════════════════════════ FUNDING EVENT DEPOSITS: quantumai-research.com — Current client, basic deposit /press: Closed $120M Series C funding round /investors: Lead investor: Andreessen Horowitz /careers: Planning to grow from 80 to 200 employees in 12 months DEPOSIT OPPORTUNITY: $120M in new funding — capture operating account SEASONAL CASH ACCUMULATION: harvestagritech.com — Current client, $4M avg balance /products: Harvest season pricing page updated — peak season beginning /press: Record crop yields expected — commodity prices favorable DEPOSIT OPPORTUNITY: Seasonal balance expected to peak at $18M (Q3)
2
Structure Deposit Products
Deposit Signal
QuantumAI Research — $120M Deposit Capture — Series C close means $120M+ in cash landing within 30 days. Company plans 150% headcount growth, so cash burn rate will create natural deposit relationship. Recommend proactive treasury call: operating account structure, sweep accounts, and money market placement for undeployed capital. First 90 days post-funding is critical capture window.
TIME-SENSITIVE — Contact within 7 days of funding close

8Relationship Deepening Intelligence

AI agent monitors existing commercial banking clients for cross-sell opportunities, product usage gaps, and relationship deepening signals by tracking their business evolution, financial complexity growth, and competitive banking relationships.

1
Identify Cross-Sell Triggers
/about /products /press /contact Countries Personas
RELATIONSHIP DEEPENING — CROSS-SELL TRIGGERS ════════════════════════════════════════════════════════════ CLIENTS MONITORED: 2,847 commercial relationships TRIGGERS DETECTED: 89 this month HIGH-PRIORITY TRIGGERS: coastalhotels.com — Current: Operating line only ($5M) /products: Acquiring 3 new hotel properties — $120M total /press: Expansion from 8 to 11 properties announced /careers: Hiring across all new locations — operational readiness /contact: Added 3 new city locations to contact page CROSS-SELL: CRE acquisition financing, increased operating line, merchant services techsaas-platform.com — Current: Basic deposit ($8M) /pricing: Added "Enterprise" tier — moving upmarket /api: Published API documentation — platform monetization /press: 100th enterprise customer announced CROSS-SELL: Credit facility, payment processing, FX for international clients
2
Generate Relationship Action Plans
Relationship Signal
Coastal Hotels — $120M Acquisition Financing — Client expanding from 8 to 11 properties creates immediate CRE acquisition financing need. Current relationship is a $5M operating line — massive deepening opportunity. If we don't act on the acquisition financing, a competitor bank will establish a senior lending relationship. Schedule RM meeting within 5 business days.
DEEPEN — $120M acquisition financing + expanded operating line

9Commercial Real Estate Monitoring

AI agent monitors commercial real estate borrower properties, market conditions, and development activity by analyzing property management websites, development firm domains, and market data platforms to support CRE lending decisions.

1
Monitor CRE Portfolio Health
/products /about /pricing /press IAB Categories Countries
CRE PORTFOLIO MONITORING — 347 BORROWER PROPERTIES ════════════════════════════════════════════════════════════ skylineoffice-towers.com — $85M Construction Loan /products: Available space page shows 62% vacancy (was 34% at origination) /pricing: Asking rents reduced 18% — competitive pressure /press: 2 anchor tenants announced relocation to competing property /about: Removed "fully leased by Q4 2026" projection CRE HEALTH: DETERIORATING — Vacancy and rent compression sunbeltindustrialpark.com — $42M Term Loan /products: 98% occupancy — waitlist of 14 tenants /pricing: Rents increased 12% at lease renewal /press: Phase 2 expansion breaking ground Q2 2026 CRE HEALTH: STRONG — Full occupancy, expansion planned
2
Assess CRE Risk Trends
CRE Signal
Office Sector Divergence — CRE portfolio analysis reveals sharp divergence: office properties showing accelerating vacancy (avg 58% → 44% occupancy), while industrial properties maintain 95%+ occupancy. Office exposure of $420M across 12 properties requires stress testing. Industrial portfolio of $180M is performing above underwriting assumptions.
OFFICE STRESS — $420M office exposure needs immediate review

10Client Lifecycle Management

AI agent tracks commercial banking clients through their business lifecycle — from startup through growth, maturity, and succession — identifying banking product needs at each stage and flagging attrition risks before they materialize.

1
Classify Client Lifecycle Stage
/about /careers /investors /leadership Domain Ages OpenPageRank
CLIENT LIFECYCLE CLASSIFICATION — 2,847 RELATIONSHIPS ════════════════════════════════════════════════════════════ LIFECYCLE STAGE CHANGES DETECTED: innovateroboticsai.com — Stage: Growth → Scaling /investors: Series B closed — $45M raised /careers: Team growing from 30 to 120 — 4x scaling /products: Enterprise product launched alongside SMB offering NEW BANKING NEEDS: Equipment line, larger operating facility, treasury heritagefurniturecompany.com — Stage: Maturity → Succession /leadership: Founder (age 72) moved to Chairman role /press: "Exploring strategic options" language detected /careers: Hired M&A advisory firm (detected via /partners page) NEW BANKING NEEDS: M&A advisory referral, succession planning, potential business sale
2
Align Products to Lifecycle Stage
Lifecycle Signal
Heritage Furniture — Succession/Exit Event — Founder transitioning, M&A advisory firm hired, "strategic options" language = probable business sale within 12-18 months. Current banking relationship at risk: new owner likely brings their own bank. Proactive strategy: offer M&A referral to capture advisory fees, position for acquirer banking relationship, and ensure personal wealth management for founder's exit proceeds.
TRANSITION — Position for both exit advisory and acquirer relationship
3
Track Lifecycle Transitions
Client Lifecycle Transitions — Q1 2026
2026-01-08 InnovateRobotics: Series B closed — Growth → Scaling transition
2026-01-15 Heritage Furniture: Chairman transition — Maturity → Succession
2026-01-22 CloudSecure Systems: IPO S-1 filed — Scaling → Public Company
2026-02-03 PacificTextiles: Plant closures — Maturity → Decline
2026-02-14 Total lifecycle transitions this quarter: 34 clients (1.2% of portfolio)
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