Oracle adds AI agents to its corporate banking platform for automated loan processing and trade finance

The new capabilities embed pre-built agents into credit analysis, document extraction and supply chain finance workflows, with broader rollout planned over the next 12 months

Oracle Financial Services, the banking and financial technology division of Oracle that provides software platforms to banks, insurers and capital markets firms, has introduced a set of AI agents designed to automate specific processes within corporate banking. The agents are embedded directly into Oracle's existing banking platform and cover two main areas: corporate credit and trade and supply chain finance.

On the credit side, the agents handle tasks that have traditionally required significant manual effort in corporate lending. One agent extracts and standardises key data from loan contracts, which in corporate lending can run to hundreds of pages of customised terms, into machine-readable formats. Another pulls financial metrics from internal statements and structures them into consistent templates that allow comparison across periods and entities. A third cross-verifies extracted data against source documents and flags anomalies for human review. A fourth monitors external financial news related to the borrower, industry and macroeconomic conditions, extracting structured risk and sentiment signals. A fifth takes the validated outputs from the previous stages and generates a first draft of the credit memo narrative for the banker to review, edit and approve.

On the trade finance side, one agent processes bank guarantee applications by checking submissions for completeness, detecting non-standard clauses, performing policy validation and producing a pass-or-fail recommendation with an exception list. Another analyses sales contracts to define and configure a supply chain finance programme structure aligned to the commercial terms, identifying missing inputs or ambiguous language and prompting for clarification before producing a configuration package for approval.

Oracle describes these agents as a sample of a broader rollout. The company says it plans to make hundreds of corporate and retail banking agents available within the next 12 months.

The agents operate within what Oracle calls a "human-in-the-loop" model, where bankers retain oversight and approval authority at each stage rather than the system acting autonomously. The intent, according to Oracle, is to accelerate processing speed without removing human judgment from decisions that carry regulatory and governance implications.

"Corporate banking runs on precision, resiliency, and trust," said Sovan Shatpathy, senior vice president, product management and development, Oracle Financial Services. "Our AI-powered platform embeds intelligence directly into mission-critical processes, accelerating decisions and strengthening governance so banks can serve clients with greater speed and confidence."