[D]multimodal, combine tabular models with text classification models

I'm trying to create a credit scoring system.
What I have now.
Traditional multi class classification ( score ( target column) between A and D) models and ANN , using only financial numerical data. My models are doing well.

Text multi class classification ( score ( target column) between A and D) models using textual data from the annual reports and they're doing well.

My next step is using one model for multiclass classification using both numerical and textual data. …

classification machinelearning multimodal tabular text text classification