Smartflow App — Prototype

Active Deals

142

8 onboarded this month

↑ +12% vs last month

Draft Deals (Pending)

8

3 awaiting HITL review

↓ 2 fewer than last week

Attention Required

3

Avg resolution: 2.1 hrs

↑ 2 more than last week

Deal Pipeline

173

$57.9B total commitment

Draft 8 Active 142 Closed 23

Attention Required 8

More

Deal	Status	Lifecycle Stage	Amount	Quality	Next Agent Action

PR

Active Critical DL-1024

Project Phoenix

Phoenix Renewables Ltd · $680M commitment

Sync Sync failed

Quality 91%

Pending Notices 3 pending

Deal Structure

⬤ Golden Record

3

Facilities

RCF · Term A · Term B

5

Lenders

+ 1 agent bank

12

Covenants

Active test schedule

2

Drawdown Queue

$45M · $82M pending

Data Quality

Overall Score91%

✓ Ground Truth Verified168 fields

⚠ AI-only (unverified)24 fields

✗ Conflict / Missing8 fields

GT Coverage84% HITL-verified

Correction Rate3.2% AI → human delta

Agent Operations

Lender Register

5 lenders

Last updated 10 Apr 2026

Compliance Certs

1 received · 1 overdue

Q4 2025 cert — 12 days overdue

Upcoming Notices

3 pending

Interest notice due 21 Apr · 3 lenders awaiting

Borrowers

1

Entity	Type	LEI / ID	KYC

Lenders

5

Lender	Commitment	Share	Status

Integration Status

S

SFTP · Correspondent Bank

2 files received · processing

Ingesting

Source path/inbound/pacific-holdings/

File 1PH_BaseAgreement_v1.pdf · 210 pages · received 09:07

File 2PH_Amendment3_21Apr2026.pdf · 14 pages · received 09:07

Ingestion statusParsing · segmentation complete · extraction running

Document modelsyndicated-loan-v3 · amendment-overlay-v2

Triggered bySFTP file watcher · rule: PH_*

L

LoanIQ

2 fields blocked

Sync failed

Last sync attempt21 Apr 2026, 09:08

Blocked field 1maturity_date — format mismatch (expected YYYYMMDD)

Blocked field 2interest_period — enum value not recognised

Sync targetLoanIQ v21 · Deal DL-1024

D

Data Lake

200 fields synced

Synced

Last successful sync21 Apr 2026, 08:55

Fields synced200 of 200

Pending writes0

Target datasetloan-ops-prod · DL-1024

N

Notification Bus

3 queued events

Pending

Queued event 1Interest notice → Lender A, B, C (3 of 6 pending)

Queued event 2Drawdown confirmation → Phoenix Renewables

Queued event 3Amendment notice → All lenders (6)

Last delivered21 Apr 2026, 08:00

Activity Log / Audit Trail

All events · Project Phoenix · DL-1024

[AI Extraction] Amendment #3 field comparison in progress · 8 changed fields detected so far

09:09 today (in progress) · System

[Document Parse] Base agreement segmented into 47 sections · amendment overlay mapped to 14 clauses · diff computed

09:08 today · System

[Lifecycle Event] Amendment #3 ingestion triggered · source: SFTP · correspondent bank · 2 documents queued for extraction pipeline

09:07 today · System

[SFTP Ingest] 2 files received in /inbound/pacific-holdings/ · PH_BaseAgreement_v1.pdf (210 pp) + PH_Amendment3_21Apr2026.pdf (14 pp)

09:07 today · System

[LoanIQ Sync] Push attempted for 202 fields · 2 blocked (maturity_date format, interest_period enum) · sync halted pending resolution

09:08 today · System

[HITL Review] Amendment #2 extraction reviewed and approved by Siti Rahman · 6 fields confirmed · 1 override applied (margin 2.35% → 2.10%)

14 Apr 2026, 11:22 · Siti Rahman

[LoanIQ Sync] 198 fields pushed successfully · Golden Record updated

14 Apr 2026, 11:45 · System

[Status Change] Deal status changed from Draft → Active · approval by Wei Chen (Deal Owner)

01 Apr 2026, 09:00 · Wei Chen

[Onboarding] Initial extraction completed · 200 fields extracted from base credit agreement · HITL queued for 32 uncertain fields

28 Mar 2026, 14:30 · System

[Deal Created] Deal record created · Document Model: syndicated-loan-v3 · Owner assigned: Siti Rahman

25 Mar 2026, 10:00 · Wei Chen

Pending Tasks

4 tasks · 2 new from SFTP ingestion

New · Auto-routed

Review HITL extraction — Amendment #3 · 8 changed fields pending confirmation

Owner: Siti Rahman · Source: SFTP · Correspondent Bank · Routed by entity resolution pipeline

New · Today

Validate SFTP source — confirm correspondent bank identity for PH_Amendment3_21Apr2026.pdf

Owner: Siti Rahman · Document hash: SHA-256 · Awaiting correspondent confirmation

Today

Resolve data conflict — interest_rate: AI extracted 2.85% vs LoanIQ feed 2.75% (Term Loan A)

Owner: Siti Rahman · Routed from MDM · survivorship rule requires human input

After HITL

Push approved Amendment #3 fields to LoanIQ — Golden Record update will trigger on HITL approval

Owner: Siti Rahman · Blocked: awaiting HITL review completion

Data Quality Exceptions

FieldIssueSourceScore ImpactAction

⚠ Conflict

interest_rate · Term Loan A

AI: 2.85% · LoanIQ: 2.75% — sources disagree 2 sources −4%

✕ Missing

governing_law

Not found in base agreement extraction 0 sources −2%

~ AI Only

maturity_date · Revolver

Extracted but not HITL-verified AI extraction −1%

Integration Exceptions

SystemErrorFieldLast AttemptAction

LoanIQ v21 Format mismatch — expected YYYYMMDD maturity_date 09:08 today

LoanIQ v21 Enum value not recognised interest_period 09:08 today

Facility Notices

3 notices · Project Phoenix

Notice Type	Facility	Lender Distribution	Date
Interest Notice	Term Loan A	4 of 6 lenders — 2 pending	12 Apr 2026
Drawdown Confirmation	Revolver ($45M)	Pending dispatch	—
Compliance Cert Request	All Facilities	6 of 6 lenders	01 Mar 2026

Deal Summary

⬤ Golden Record

Deal Name / Reference

Project Phoenix

DL-1024 · Internal ref PH-2026-001

Current Status

Active

Activated 01 Apr 2026

Borrower

Phoenix Renewables Ltd

LEI: 969500CHL179D4JTDS16 · CIF: SG-89234

Total Commitment

USD 680,000,000

RCF $200M · Term A $180M · Term B $300M

Governing Law

English Law

✓ Ground Truth Verified · §22 Credit Agreement

Agreement / Execution Date

25 March 2026

Effective: 01 Apr 2026

Deal Owners

Siti Rahman Wei Chen

Relationship Manager · Deal Approver

Lead Facility

Term Loan B (USD 300M)

Designated lead · SOFR + 185 bps

Agent Bank

DBS Agency Services Pte Ltd

LEI: 5299003QMN5RNZWSQ793 · Role: Facility Agent

Key Dates

Effective Date

01 Apr 2026

Maturity Date

30 Mar 2031

5-year term · extended via Amdt #3

Next Review

30 Jun 2026

Q2 annual review

Next Covenant Test

30 Jun 2026

Leverage ratio · DSCR

Amendment Anniversary

21 Apr 2027

Amdt #3 · 1-year anniversary

Compliance Cert Due

Overdue — Q4 2025

12 days overdue

Revolving Credit Facility (RCF) Active

USD 200,000,000

Amount

USD 200M

Currency

USD

Utilisation

$45M / $200M (22.5%)

Maturity

30 Mar 2031

Pricing

SOFR + 165 bps

Margin ratchet applies

Parties: Borrower · Phoenix Renewables Ltd Agent · DBS Agency Services Lender · OCBC (30%) Lender · UOB (25%) + 3 more lenders Guarantor · Phoenix Holdings Ltd

Term Loan A Active

USD 180,000,000

Amount

USD 180M

Currency

USD

Utilisation

$180M / $180M (100%)

Maturity

30 Mar 2031

Pricing

SOFR + 175 bps

⚠ Conflict: AI 2.85% vs LoanIQ 2.75%

Parties: Borrower · Phoenix Renewables Ltd Agent · DBS Agency Services Lender · DBS Bank (22%) Lender · HSBC SG (18%) + 3 more lenders

Term Loan B — Lead Facility Active

USD 300,000,000

Amount

USD 300M

Currency

USD

Utilisation

$300M / $300M (100%)

Maturity

30 Mar 2031

Pricing

SOFR + 185 bps

Lead facility margin

Parties: Borrower · Phoenix Renewables Ltd Agent · DBS Agency Services Lender · CIMB Bank (30%) Lender · Standard Chartered (25%) + 3 more lenders Guarantor · Phoenix Holdings Ltd

All Parties — Project Phoenix · DL-1024

Legal Name	Role	Jurisdiction	LEI / CIF	Allocation	KYC Status	Contact
Phoenix Renewables Ltd Borrower entity	Borrower	Singapore	969500CHL179D4JTDS16 CIF: SG-89234	—	Verified	[email protected]
Phoenix Holdings Ltd Parent guarantor	Guarantor	Singapore	969500ABC123XYZ7890 CIF: SG-89200	—	Verified	[email protected]
DBS Agency Services Pte Ltd Facility & Security Agent	Agent Bank	Singapore	5299003QMN5RNZWSQ793 CIF: SG-00010	—	Verified	[email protected]
DBS Bank Ltd	Lender	Singapore	DBSSSGSG	$149.6M · 22%	Verified	[email protected]
HSBC Singapore	Lender	Singapore	HSBCSGSGXXX	$122.4M · 18%	Verified	[email protected]
OCBC Bank	Lender	Singapore	OCBCSGSGXXX	$102M · 15%	Verified	[email protected]
UOB	Lender	Singapore	UOVBSGSGXXX	$85M · 12.5%	Verified	[email protected]
Standard Chartered Bank	Lender	Singapore	SCBLSGSGXXX	$68M · 10%	Pending	[email protected]
CIMB Bank Berhad	Lender	Malaysia	CIBBMYKL	$153M · 22.5%	Verified	[email protected]

Covenants

12 covenants · 2 testing next quarter

CovenantThreshold / TriggerFrequencyLast TestedOutcomeEvidence

Leverage Ratio

Net Debt / EBITDA

≤ 3.5x Quarterly 31 Mar 2026 Compliant

Actual: 2.8x

§14.2 Credit Agmt

DSCR

Debt Service Coverage Ratio

≥ 1.25x Amended Quarterly 31 Mar 2026 Compliant

Actual: 1.42x

§14.4 · Amdt #3

Interest Coverage Ratio

EBITDA / Net Finance Charges

≥ 4.0x Semi-annual 31 Dec 2025 Compliant

Actual: 5.1x

§14.5 Credit Agmt

Minimum Liquidity

Cash & equivalents

≥ USD 50M Monthly 31 Mar 2026 Compliant

Actual: $82M

§14.7 Credit Agmt

Compliance Certificate

Quarterly certification

By due date Quarterly — Breach Risk

Q4 2025 cert overdue

§18.1 Credit Agmt

Capex Limit

Annual capital expenditure

≤ USD 120M Annual 31 Dec 2025 Compliant

Actual: $94M

§15.3 Credit Agmt

Change of Control

Notify agent within 5 business days

Notification only Event-driven N/A Not triggered §20.4 Credit Agmt

Linked Documents

9 documents · 7 extracted · 1 in progress · 1 pending

DocumentTypeUploaded / ReceivedLast HITL ReviewExtraction StatusAction

PH_BaseAgreement_v1.pdf

210 pages · SHA-256 verified

Credit Agreement 25 Mar 2026 14 Apr 2026 · Siti Rahman Approved

PH_Amendment3_21Apr2026.pdf

14 pages · received via SFTP

Amendment 21 Apr 2026 — Extracting…

PH_Amendment2_14Apr2026.pdf

8 pages

Amendment 14 Apr 2026 14 Apr 2026 · Siti Rahman Approved

PH_FeeLetter_Mar2026.pdf

3 pages · Confidential

Fee Letter 25 Mar 2026 01 Apr 2026 · Wei Chen Approved

PH_ComplianceCert_Q3_2025.pdf

Compliance certificate · Q3 2025

Compliance Cert 15 Oct 2025 20 Oct 2025 · Siti Rahman Approved

PH_ComplianceCert_Q4_2025.pdf

Compliance certificate · Q4 2025 — OVERDUE

Compliance Cert Not received — Missing

PH_DrawdownNotice_Apr2026.pdf

Drawdown request · $45M

Notice 19 Apr 2026 20 Apr 2026 · Siti Rahman Approved

Amendment Chain

3 amendments · Project Phoenix · DL-1024

Amendment #3 Extraction in progress

21 Apr 2026 · Source: SFTP · Correspondent Bank · PH_Amendment3_21Apr2026.pdf · 14 pages

Extraction running — 8 changed fields detected. Final diff available after HITL review.

Field

Before

After

Maturity Date

2029-09-30

2031-03-30

Margin

2.35%

2.10%

DSCR Covenant

≥ 1.20x

≥ 1.25x

+ 5 more fields

Extracting…

Amendment #2 Approved

14 Apr 2026 · HITL reviewed by Siti Rahman · PH_Amendment2_14Apr2026.pdf · 8 pages

Field

Before

After · Human approved

Interest Rate Margin

2.55%

2.35% · ✓

Drawdown Notice Period

5 business days

3 business days · ✓

Amendment #1 Approved

05 Apr 2026 · HITL reviewed by Wei Chen · Base agreement correction

Borrower Address

6 Raffles Quay #14-00

6 Raffles Quay #16-00 · ✓

Overall Data Quality Score

91%

score

168

GT Verified

24

AI Only

8

Conflict / Missing

200

Total Fields

Source Agreement Status

GT Coverage84% HITL-verified

Correction Rate3.2% AI → human delta

Sources in agreementPartial — 2 conflicts unresolved

Last HITL review14 Apr 2026 · Siti Rahman

Amendment #3 impactPending — extraction in progress

Per-Field Quality Indicators

Showing key fields · 200 total

FieldValueSource / ProvenanceIndicatorLast Verified

borrower_name Phoenix Renewables Ltd §1.1 Credit Agreement · 3 sources agree ✓ GT Verified 14 Apr 2026

total_commitment USD 680,000,000 §2.1 Credit Agreement · 2 sources agree ✓ GT Verified 01 Apr 2026

interest_rate · Term Loan A 2.85% (AI) / 2.75% (LoanIQ) §5.4 Credit Agreement · LoanIQ feed ⚠ Conflict Unresolved

maturity_date 2031-03-30 §2.5 Amdt #3 · AI extraction ~ AI Only Pending HITL

governing_law — Not extracted ✕ Missing Not found

leverage_ratio_threshold ≤ 3.5x §14.2 Credit Agreement · 1 source ✓ GT Verified 01 Apr 2026

agent_bank_lei 5299003QMN5RNZWSQ793 §1.1 Credit Agreement · GLEIF registry ✓ GT Verified 25 Mar 2026

L

LoanIQ v21

2 fields blocked · last attempt 21 Apr 2026, 09:08

Sync failed

Target systemLoanIQ v21 · Deal DL-1024 Last sync attempt21 Apr 2026, 09:08 Fields synced200 of 202 (198 pushed · 2 blocked) Blocked field 1maturity_date — format mismatch (expected YYYYMMDD, received ISO 8601) Blocked field 2interest_period — enum value "3M_SOFR" not recognised in LoanIQ v21 schema Pending changes8 fields pending (awaiting Amendment #3 HITL approval)

09:08 today Sync attempt failed — 2 mapping errors

14 Apr 2026, 11:45 Sync successful — 198 fields pushed after Amdt #2 HITL approval

01 Apr 2026, 09:30 Initial onboarding sync — 200 fields pushed · Golden Record established

D

Data Lake

200 fields synced · last sync 21 Apr 2026, 08:55

Synced

Target datasetloan-ops-prod · DL-1024 Last successful sync21 Apr 2026, 08:55 Fields synced200 of 200 Pending writes0 (8 pending post Amendment #3 HITL)

21 Apr 2026, 08:55 200 fields synced to loan-ops-prod

14 Apr 2026, 11:50 Delta sync after Amdt #2 — 6 fields updated

S

SFTP · Correspondent Bank

2 files received · extraction in progress

Ingesting

Source path/inbound/pacific-holdings/ File 1PH_BaseAgreement_v1.pdf · 210 pages · received 09:07 File 2PH_Amendment3_21Apr2026.pdf · 14 pages · received 09:07 Ingestion statusParsing complete · extraction running · est. 4 min remaining Trigger ruleSFTP file watcher · rule: PH_* · Document Model: syndicated-loan-v3

N

Notification Bus

3 queued events

Pending

Queued event 1Interest notice → Lender A, B, C (3 of 6 pending) Queued event 2Drawdown confirmation → Phoenix Renewables Queued event 3Amendment notice → All lenders (6) Last delivered21 Apr 2026, 08:00

Entity Graph

Project Phoenix · DL-1024 · click any node to navigate

Deal Facility Party Covenant Document