The Credit Board was founded by practitioners who spent careers inside credit review — approving loans, writing narratives, owning losses, and answering to examiners.
Why We Built CRAA
We built CRAA because no tool existed that reflected how rigorous credit review actually works.
Founders
The Practitioners
I.
Nimit SharmaChief Risk & Analytics Officer, R2 Capital (Ant International). Former VP Credit Review, Capital One. FRM. M.A. Mathematics of Finance, Columbia. U.S. Patent holder in transaction monitoring.
II.
Heidi AndrionFormer Executive Vice President and Head of Credit Review, Capital One. Former RMA Board Director. Prior leadership roles at Citi, Bank of America, and JPMorgan Chase.
III.
Kelly JenkinsManaging Director, Commercial Practice, FI Consulting. Former Head of Commercial Credit Review & ACL, Capital One. Former risk and credit leadership roles at Regions, GE Capital, PNC, and Truist.
What We Build
CRAA is a credit review AI assistant. It analyzes commercial loans, validates risk ratings against OCC guidance, and drafts examiner-style narratives. It is not a decisioning engine. It is a practitioner's second opinion.
What This Site Is Not
Plainly Stated
I.
Not a financial services provider.The Credit Board does not provide financial services to consumers or businesses.
II.
Not an investment platform.The site does not offer investment products, trading, advisory services, or capital-raising opportunities.
III.
Not a lender or broker.We do not originate, broker, service, or arrange loans.
IV.
A software and professional community platform.We build tools and convene practitioners who work in credit risk review.