Srini Annamaraju https://annamaraju.com Weekly writing on putting AI to work in financial services. The RM says approve. The numbers say decline.https://annamaraju.com/writing/2026-11-17-credit-memo/https://annamaraju.com/writing/2026-11-17-credit-memo/Tue, 17 Nov 2026 00:00:00 GMTCredit analysts using AI to draft the memo on a loan request run into three problems. Here's each one, with the fix.