Penomic Research · Assessment

How ready is your institution?

AI answers are only as good as what your firm has written down: what its terms mean, how it handles exceptions, who may decide what, and how AI is controlled. Twelve statements, four minutes. You see your headline score straight away; the full report shows where to start and what good looks like.

Definitions

Our key business terms (for example exposure, default, available cash, adjusted EBITDA) each have one written, approved definition per use.

Every key definition has a named owner who approves changes to it.

Reports, models and AI tools take definitions from the same source, not from each team’s spreadsheets.

Judgment and exceptions

Exceptions, overrides and the reasons for them are recorded in a structured, searchable form.

Committee decisions are captured as precedent that a new analyst can find and apply.

If our most experienced lender, underwriter or analyst left tomorrow, their judgment is already written down.

Decision rights

For each consequential decision it is written down who may decide, up to what limit, and on what evidence.

We have decided which decisions AI may draft, which it may make, and which a person must sign off.

Authority limits and approvals are enforced in our systems, not only in policy documents.

AI operating readiness

AI tools in use cite the internal source behind every answer they give.

AI access to data and documents follows the same entitlements as access for people.

We keep an inventory of AI use cases with owners, review cycles and a change log.

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