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Are we seeing a real shift toward AI-driven financial spreading in lending and credit teams?

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Over the last year or so, it feels like more lending and credit teams are experimenting with AI to handle parts of financial spreading that used to be very manual. Things like extracting data from statements, normalising line items, and preparing spreads for analysis seem to be moving toward more automated workflows.

This feels like part of a broader trend in AI adoption in finance, where the focus is less on flashy use cases and more on removing repetitive work that slows down core business processes. Some teams I’ve spoken with have started using tools like Collatio Financial Spreading software alongside their existing credit workflows to standardise how financials are prepared before analysts step in.

Curious how others are seeing this trend:
  • Is AI-driven spreading becoming more common in your industry?
  • Do you see this as a lasting shift or more of a pilot-phase trend right now?
  • What do you think still limits wider adoption?
 
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