BankersIQ

Commercial loan pricing that thinks with you.

A deterministic AI assistant that turns deal context, market data, and lending judgment into clear rate narratives — without sending your work to an external LLM.

Collaborate with us How to get involved

Congrats on your new deal, Jim — please tell me more about it!

borrower is buying a building for $1m

Purchase is $1.0M. Finance about 80% ($800K), or different amount / LTV?

yes — 80%

Modeled CRE Loan · $800K · Purchase · 80% LTV. What structure should we price?

thank you, 5 year with a 20 year am

Got it — 5-year term with 20-year amortization.

please recommend a competitive rate

Happy to. Tell me about your competitor if you know the details — who quoted, and at what rate?

Purchase $1.0M Loan $800K 5yr / 20yr am CRE · Purchase

What IQ does

Price commercial loans in conversation, not spreadsheets alone.

IQ listens the way a senior pricing desk listens — purchase price versus loan amount, product structure, competitor quotes, deposits, risk — then explains the rate with math you can defend.

Intake that understands bankers Natural deal language becomes structured loan context: amount, LTV, CRE vs C&I, term, and competitive pressure.
Market-aware recommendations Funding curves, peer spreads, and deal economics feed a recommended offering rate and counteroffer path.
Narratives you can audit Every observation, assumption, and exception maps back to rules and calculations — not opaque model prose.

Method

Intelligence without outsourcing judgment.

BankersIQ is built as a reasoning system for one domain: commercial loan pricing. Deterministic engines assemble the conversation; market data keeps it current.

01 Narrator Engine — analytic dialogue and follow-ups
02 Rules & exceptions — flags, grades, dialogue triggers
03 Calculations — yield, spread, RAROC, breakeven
04 Market layer — rates, peer benchmarks, freshness
05 Deal memory — outcomes, win/loss, competitive signal

Trust

Built for institutions that cannot guess.

No external LLM APIs. Banker, borrower, and pricing context stay inside your controlled environment. What IQ says is reproducible from inputs, rules, and market stamps.

Deterministic by design Same deal in, same math and narrative path out.

Market freshness Benchmarks and economic inputs carry disciplined refresh discipline.

Agent personalities Alex, Sophia, Marcus, Jordan, and Taylor adapt tone — not the underlying pricing truth.

Collaborate

Bankers who want to shape IQ — we're looking for you.

If you price commercial loans and want to collaborate as an early user, tell us how you work deals today. Real banker feedback is how BankersIQ gets sharper.

Full name Email Institution Role (optional) How do you price commercial deals today?

Prefer email? jim@bankersiq.com