× Valley Bank · Confidential
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Krida's Credit Intelligence platform: a focused approach to RM productivity, deal readiness, and ramp efficiency.
Thank you for the time you've spent and the trust you've given so far. This brief reflects the conversations and stated priorities we've heard from you up to this point, and we welcome any and all feedback. We look forward to building something great together.
Valley's C&I growth trajectory is strong and hiring is continuing. At scale, the constraint shifts from strategy to execution: new hires take time to ramp, senior RMs carry prep they shouldn't, and institutional knowledge stays in individuals rather than process. Targeted enablement creates leverage without changing the playbook.
"How fast can we get from 'we know we want to bank this client' to approved and closed? You've got a seasoned banker who can sit down and have an hour-long conversation and know where they're at on the deal, but an actual approved deal may still be a week or two away."Jason Smith — Deputy Chief Credit Officer, Valley Bank
Valley's commercial workflow runs Salesforce, then nCino, then the data mart. Krida sits between first contact and LOS entry, not replacing anything, but rather improving what goes into everything downstream.
Salesforce and nCino remain the systems of record. Krida improves the completeness and quality of what flows into them. Compatible with Moody's CreditLens for downstream document OCR.
Structured workflow and consistent deal process accelerates new-hire productivity for middle market.
Automated document collection and checklist management shifts credit team time toward analysis on every deal, not just mature ones.
Structured workflow standardizes deal intake quality. Less back-and-forth with credit, more predictable timelines.
Management reporting from first contact. Deal velocity, document status, and pipeline depth across the book, before deals reach underwriting.
Configurable upload links for all deal partners: law firm, CFO, CPA. Managed through a single permission layer.
Krida is a pre-submission preparation tool. Spreading, risk assessment, and approval deliberation remain with Valley's credit team.
The underlying infrastructure is the same. The value shifts by segment.
Bank-grade data handling with clear data residency, retention, and deletion policies.
Role-based access controls. Multi-party document collection permissions configurable.
Configurable Salesforce and nCino integrations. Compatible with Moody's CreditLens downstream.
Full documentation for Valley's information security and vendor management review. No major IT lift to start.
Commercial lending is one of the few places left where a single relationship, conversation, and well-timed 'yes' can change the trajectory of a business and the community built around it.
Small and mid-sized businesses generate nearly half of U.S. GDP. The immigrant-owned manufacturer, female-founded advisory firm, third-generation family business leaping to the next expansion tier: these institutions have real impact on people's livelihoods, infrastructure, and purpose.
Yet, too often, they're left out of the capital markets — not for being uncreditworthy, but because the system between intention and decision is too slow, inconsistent, or opaque to include them. Their story gets lost before it ever reaches the people who could say 'yes.'
We built Krida because we believe the relationship managers, underwriters, and credit officers sitting across that desk are doing one of the most consequential jobs in a local economy, and they deserve the intelligence infrastructure equal to that responsibility — rich & relevant context available at their fingertips that inspires the confidence and clarity to say 'yes' faster, and the capacity to reach the borrowers who most need someone in their corner.
Getting commercial lending right is not just good business. It's how capital finds its way to the people and places it was always supposed to reach.
Credit Intelligence for commercial banking teams. Built to empower relationship managers, underwriters, and credit officers.
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