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added premium feature notice
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docs/lending/premium-products/credit-model-overview.md

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Lending's premium **Credit model** feature provides an intuitive way to interpret, visualize, and analyze a borrower’s accounting and banking data. It offers a holistic view of financial performance to support credit decisions and other financial evaluations.
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:::info Premium feature
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Credit Model report is a premium feature of the Lending product. Contact your Account Manager if you wish to enable it.
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:::
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## Features
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The Credit model contains a variety of features that enhance the underwriting process:
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In the list of reports, find _Credit Model (Beta)_ and click **Generate report**. Once the report is ready to download, it will appear underneath the report name. Click **Download** to save the report to your machine.
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The Credit Model feature must be enabled before you can access the _Credit Model (Beta)_ report in the Portal. Speak to your Account Manager to enable it.
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![A snippet of the Codat Portal company detail screen with the Lending > Reports path visible and Credit Model report displayed](/img/lending/lending-credit-model-portal.png)
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## Get started

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