User Manual

Complete guide to using the Waterside Credit Memo Platform. Learn how to manage data collection, generate AI-powered memos, collaborate with your team, and ensure USDA compliance.

Welcome to Waterside

This platform streamlines USDA B&I credit memo creation by combining intelligent document management, AI-powered generation, and regulatory compliance tools. Follow this guide to get started.

Pro Tip: Start with a simple project first. Upload a few documents, generate one section, and explore the features before configuring advanced settings like skills and templates.

Quick Start (5 Steps)

Create a Project

Navigate to Projects → New Project. Enter borrower details, select program template (B&I, Construction, REAP, etc.), and configure basic settings.

Projects → New Project

Add Entities

Add borrowers and guarantors. Each entity gets independent document tracking. Assign short names (e.g., "OPCO", "PROPCO") for auto-renaming files.

Project → Data Collection → Add Entity

Upload Documents

Upload financials, tax returns, appraisals, etc. AI will suggest which collection items each file matches. Accept suggestions or manually assign.

Project → Files → Upload

Generate Sections

Navigate to the Credit Memo tab. Select a section (e.g., "Section 6 - Capacity"), optionally adjust settings via the Config button, and click Generate. CORE Assist analyzes all relevant files and creates the section.

Project → Credit Memo → Section → Config (optional) → Generate

Review & Collaborate

Use track changes to edit, comment to discuss with team, and accept/reject changes. Export final memo to Word/PDF when approved.

Project → Credit Memo → Review

Entities

Each project can have multiple borrowers (primary credit obligors) and guarantors (secondary support). Each entity gets independent document tracking and templates.

Templates

Templates define memo structure (H1-H4 headings), required sections, and document collections. Choose from 13 USDA program templates or create custom ones.

Skills

Skills are instructions that guide AI generation. All 4 layers (Foundation, Section, Role, Execution) live inside blueprints as complete packages. Edit skills in the Blueprint Editor to update templates, or edit within a project to create deal-specific overrides.

Roles

AI roles (Analyst, Senior Analyst, Reviewer) define writing style and expertise level. Each role has unique skills that control tone, depth, and focus.