Rating analysts
The draft done, the judgment kept.
- Reports in the sector template
- Peer ratings restored as the source states them
- A plain reason when a report cannot be written
The rating desk, with the drafting done
Needl.ai is built for credit rating agencies. It drafts rating reports in your house format after the committee decides, turns new filings into cited credit reports for the analysts who cover them and answers research questions within each user's entitlements.
Where Needl.ai fits the rating cycle
Every stage supports a decision your analysts make. Each links to the workflow in depth where one exists.
The report, after the committee
Needl.ai first checks that the rationale and the committee report belong together, then drafts the report in your sector template, restores peer ratings exactly as the source states them and has a second model review each section.
- From
- The rating rationale and the committee report, as PDF or Word
- You get
- A draft in your house format in under an hour
New filings, read for the analysts who cover them
When a company you rate files results, a credit report is written from the filing with a citation on every sentence and emailed to its covering analysts. Exchange filings in India are also sorted into event types.
- From
- The filings feed for the companies you rate
- You get
- A cited credit report in the covering analysts' inboxes
Research answers within entitlements
Analysts, internal teams and subscribers ask questions of your published research and get answers with their sources. Each user sees only what their entitlements allow.
- From
- Your published research, rationales and sector reports
- You get
- Cited answers that respect every user's access
Regulatory change, graded
The regulator's circulars and consultations are read every day and graded high, medium or low against a policy built from your brief, with the reason kept for each item.
- From
- A brief naming the rules your agency must track
- You get
- A daily brief and urgent alerts
For every seat in the agency
The drafting and the reading are done for each team, and every rating decision stays with your analysts and your committee.
Rating desk heads
One standard across every analyst.
- Fixed order, numbering and styling
- A second model reviews each section
- An estimated time on every report
Surveillance and research
Every new filing seen, every question sourced.
- Cited credit reports from new filings
- Exchange filings sorted by event type
- Research answers with their sources
Technology and compliance
Control over where rating data lives.
- A dedicated instance in your region
- Access that follows each user's entitlements
- Reports deleted on your retention schedule
The documents behind every rating
The inputs to each rating, what rated companies publish between reviews and the research your agency has written, read together.
For the rating report
- Rating rationales
- Committee reports
- Group reports that cover the rated company
- Scanned pages, read page by page
Between reviews
- Annual reports and quarterly results
- Exchange filings
- Your published research and sector reports
- Regulator circulars and consultations
Where it connects
Upload the rationale and the committee report, or connect the places your research already lives.
SharePoint
OneDrive
Outlook
Teams
What changes for a rating agency
Under an hourFrom the rationale and the committee report to a draft in your house format.
Every sentenceOf a credit report written from a new filing carries its citation.
Your regionA dedicated instance in your own cloud account, for data that must stay in the country.
“Needl.ai reduced our analyst effort by more than 60%, while improving the accuracy and turnaround time of the reports we produce every day.”
Built for a regulated agency
The rating stays with your analysts and your committee. Needl.ai drafts, reads and answers inside an instance that can sit in your own cloud account, in your country.
- A dedicated instance in your own cloud account and region
- Access that follows each user's entitlements
- Reports deleted automatically on your retention schedule
- Never used to train any model, ours or a model provider's
- Automatic failover between model providers
AICPA SOC 2
ISO 27001 certified
ISO 42001 in progress
GDPR compliant
CASA assessed
Start on public data
Judge the output on companies whose documents are public before any confidential file is shared.
01
Begin with public filings
Run credit reports and summaries on listed companies you already rate, and compare them with your own work.
02
Move to a dedicated instance
When you are ready, it runs as a dedicated instance in your own cloud account, in your region.
03
Fit it to your formats
Our engineers set up your sector templates, house styles and review steps with your rating desk.
Frequently asked questions
What rating agencies ask before they start.
Is rating work being handed to AI?
No. Your analysts and your rating committee make every rating decision. Needl.ai drafts the report after the committee, surfaces new filings and answers research questions, and every draft is reviewed before it is published.
Can our data stay in the country?
Yes. It can run as a dedicated instance in your own cloud account, in the region you choose. It is never used for training, and reports are deleted on your retention schedule.
Which sectors are covered?
Rating reports have six sector templates: corporates, banks, non-bank lenders, life insurers, general insurers and brokers. Surveillance and research cover any company whose filings you follow.
Can subscribers use the research assistant?
Yes. It can serve internal teams and subscribers alike, answering from your published research with sources, and each user sees only what their entitlements allow.
How are new filings picked up?
When a company you cover files, a credit report can be written from the filing with a citation on every sentence and emailed to the analysts who cover it.
We already use a general AI assistant. Why add Needl.ai?
Keep it. Needl.ai is built around your house format, sector templates and entitlements: it checks the documents before writing, restores peer ratings as the source states them and answers only from research each person is entitled to.
See it on a company you rate
Bring a recent rationale and committee report, or a company whose filings you follow, and see the draft, the credit report and the research answers.