Cognitive Credit | Blog

How to generate credit memos automatically on Cognitive Credit

Written by Andrew Johnson | Aug 20, 2025 9:44:50 AM

The Credit Memo feature available in our web-app allows your team to automatically generate issuer-specific one-pagers, instantly. Here’s how it works.

When you need to get ramped up on a name quickly, good content goes a long way. Charts and memos can all help to build support for your thesis. But it’s not always easy to pull together a complete and accurate one-pager if you don’t have all the data to hand.

Fortunately, we’ve solved this challenge with our Credit Memo feature in-app, allowing our users to generate a complete and up-to-date one-pager for any issuer, instantly.

Here’s everything you need to know about our Credit Memo feature.

What is the Credit Memo feature?

The Credit Memo feature in our web app allows you to automatically generate a one-pager from the supporting credit model at the click of a button. In just a few seconds, you can produce reliable supporting content that would ordinarily take hours to produce, ensuring you are fully prepared for those all important investor meetings.

At time of writing, our total coverage offering stands at 2,600 US and European issuers in High Yield and Investment Grade bond markets, and Leveraged Loans. Via our Credit Memo feature, you can generate a one-pager for each of these names instantly, increasing your credibility on a name and minimizing the time spent on content creation.

How does it work?

In our app, Credit Memo generation is as simple as clicking a button. Simply navigate to the relevant issuer from the Company page and then hit the Memo button. In a few seconds, our app will generate a complete and up-to-date one pager - complete with corporate structures where available in PDF format which can be downloaded to your local device. 

 

 

It’s all made possible by our proprietary technology, which extracts financial data quickly and accurately from official company documents. When generating a model, our technology automatically identifies every data point in a document and creates a link to the page from which it was originally extracted, providing full transparency on every line item.

It’s from our base models that we generate the credit memo – so you can be sure the data in your one-pager is as accurate and reliable as that used in your deeper analysis.

 

Available with all subscriptions

Our Credit Memo feature is available as standard with a subscription to any of our data licenses, enabling your team to produce supporting content quicker and more efficiently. To see it first-hand, request your demo today.