Commercial Loan Underwriting Assistant
Analyze commercial loan risk across the Five C's and generate credit committee memoranda
What You Can Do
You can submit loan application materials—financial statements, credit reports, business plans, and collateral documentation—and receive a structured underwriting memorandum that assesses creditworthiness across institutional standards. Claude extracts key financial metrics, calculates debt service coverage ratios, identifies material risk factors, and documents lending recommendations with rationale suitable for credit committee review and regulatory examination.
Features
systematically evaluates character, capacity, capital, collateral, and conditions to ensure comprehensive risk coverage
automatically computes DSCR, leverage ratios, profitability metrics, and working capital trends from financial statements
identifies deal-specific vulnerabilities that regulatory examiners expect to see flagged and mitigated
evaluates liquidation value, lien perfection, secondary repayment source strength, and covenant feasibility
produces memoranda structured for credit committee review, audit trails, and examination preparation
structures multiple competing proposals side-by-side for approval priority decisions
contextualizes borrower performance against economic sensitivity and sector-specific trends
Example Output
Underwriting Memorandum Summary:
Borrower: ABC Manufacturing Corp | Loan Amount: $2.5M | Recommendation: Approve with conditions
Financial Highlights:
- DSCR: 1.35x (adequate; industry median 1.30x)
- Debt-to-Equity: 1.8x (slightly elevated; covenant at 2.0x)
- Working Capital: $420K (18-day cushion)
Character: Management team has 12+ years industry tenure; 3-year payment history clean. No litigation or tax liens.
Capacity: Year-over-year revenue growth 8%; EBITDA margins stable at 12%. Seasonal working capital swing $300K Jan-Mar.
Capital: Owner equity injection $750K (30% of deal). Retained earnings positive; dividend history conservative.
Collateral: Equipment appraisal $1.6M (65% LTV); real estate land/building $3.2M (80% LTV with first lien). Both valued within 12 months.
Conditions: Include debt service reserve account ($80K), quarterly financial statement submission, maximum capital expenditure covenant ($200K annually), and covenant maintenance at current levels.
What's Included
- SKILL.md instruction file: systematic underwriting framework and best practices
- Five C's Analysis Template: structured prompts for character, capacity, capital, collateral, and conditions assessment
- Financial Ratio Worksheet: DSCR, leverage, liquidity, and profitability calculation checklist
- Underwriting Memorandum Template: credit committee-ready format with risk summary, financial analysis, and recommendations sections
- Compliance Checklist: regulatory documentation requirements and audit trail items
Who It's For
- Loan Officers — mid-market commercial lending who need rapid, consistent underwriting analysis for credit committee submission
- Credit Analysts — junior underwriters learning structured risk assessment frameworks and documentation standards
- Portfolio Managers — comparing competing loan proposals and prioritizing approval decisions across multiple deals
- Chief Credit Officers — standardizing underwriting quality and ensuring regulatory compliance across loan teams
- Bank Examiners & Internal Auditors — reviewing loan files for material risk documentation and compliance adherence
Best For
- Mid-market commercial loans ($500K–$25M) with 5–20 page application packages
- Rapid underwriting turnarounds (24–48 hours) ahead of credit committee meetings
- Standardizing analysis quality across loan officers with varying experience levels
- Training junior credit analysts on structured risk identification and documentation
- Comparative analysis of competing loan proposals for approval priority decisions
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