Metro's senior leadership wanted a single, consistent view of their highest exposure clients across the lending book, one format that would let them hold the same conversation regardless of which team a client sat in.
Each team had developed its own way of summarising a client relationship. Metro wanted to bring these together into a shared core template, with enough flexibility to reflect what matters in each book.
Metro's goal was a periodic process that could feed senior leadership on a sustainable, repeatable basis, not a manual exercise that placed a disproportionate burden on Relationship Managers and Credit each time.
Covecta deployed the Client Health Summary agent across six teams at Metro: Asset Finance, Invoice Finance, Commercial, Corporate, Commercial Real Estate and Private Banking.
The agent is designed around two principles: one consistent format across six lending teams, and a Metro banker reviewing every summary before it is filed. The four steps below show how that works in practice.
The Client Health Summary runs in six versions at Metro, one for each team. They share a common spine so senior leadership sees one consistent format, with targeted variations that reflect what matters in each book. That tailoring is what makes the output usable at team level and comparable at portfolio level.
Two days to configure a working version of the agent, two weeks of testing and feedback with each team to resolve edge cases specific to each lending book, then two weeks of production. The investment in that testing phase is what turned a fast first delivery into a process the bank can repeat.
The same templates and agentic workflows now run on a regular cadence. This was never a one-off exercise.
The structural outcome was significant. Metro's senior leadership now have a single, comparable view of customer health across the lending book, with the ability to look into specific sectors, compare across teams, and track performance over time from one consistent format. The first run delivered that view at scale: over 450 client health summaries across six lending teams in four weeks.
Senior leadership can now focus their conversations on substance. Before, reconciling outputs from different teams working in different shapes was where the time went. That step is gone.
A consistent, comparable view of customer health across the lending book sharpens Metro's line of sight into emerging risk, supports earlier intervention, and gives the bank durable evidence of oversight as a repeatable process, not a one-off exercise.
An indicative view of the output: deal metrics, trading performance, comp set, collateral, key strengths and watch points all on a single page.
Anonymised for illustration. All names, figures and entities fictional.
“Covecta enabled us to create hundreds of customer and portfolio health summaries in a few short weeks. Having detailed information, drawn from numerous sources, summarised in one clear precise format in such a short space of time, was a genuine first for Metro Bank. I know we will re-run this process again, since the benefit is obvious and clear. We have been very impressed with the consistent format and the level of accuracy. Finally, compared to what it would have taken only a short time ago, this exercise alone has saved over a thousand hours of colleagues’ time.”
Andy Veares, Managing Director, Corporate and Commercial Banking
Metro Bank
"I love them. The summaries have made our reviews so much more manageable, and I can see this becoming a permanent part of how we work with customers."
Director, Invoice Finance
Metro Bank
Client Health Summary was one deployment in a much larger programme. Metro now has 15+ Covecta agentic workflows in production, spanning structured analysis, credit memos, annual reviews, and document reconciliation across Corporate, Commercial, Credit, CRE, Private Banking, and BCLO. Several of these run in multiple sector or team-specific variants. The Client Health Summary alone runs in six. The Client Health Summary process runs on a regular cadence, refreshing senior leadership's view of the lending book on schedule.
Banks running a multi team lending book face the same shape of problem: client information distributed across teams, no single page view for senior leadership, manual assembly each time.
The Client Health Summary agent is part of Covecta's catalogue of agents across the lending lifecycle. The same approach extends to deal screening, credit memos, covenant monitoring and portfolio review, across every type of lending book. The shape stays consistent in each case: take in the source information, apply the template, produce a reviewable output. Banks that want a consistent view of their portfolio no longer have to build it manually each time.
