Jumbo Loan Underwriting Accelerator
Organize jumbo mortgage docs, flag concentration risks, generate investor-ready approval memos
What You Can Do
This skill transforms chaotic jumbo application packages into organized underwriting narratives. You upload fragmented documentation (tax returns, K-1s, asset statements, business financials, international holdings) and Claude extracts key metrics, reconciles inconsistencies, maps asset concentration by category, identifies seasoning gaps, and generates institutional-quality approval memos that clearly justify loan decisions to underwriting committees and investors. The skill handles non-standard income structures (pass-throughs, self-employment, business ownership) that disqualify standard loan programs.
Features
Claude indexes and cross-references tax returns, K-1s, asset statements, business documents, and international holdings to create a coherent financial profile
Identifies portfolio concentration by asset type, geographic region, and counterparty to surface over-exposure risks and liquidity constraints
Reconciles disparate income sources (W-2, 1099, K-1, business net income) with tax returns and provides debt-to-income calculations adjusted for jumbo underwriting standards
Flags assets that fail seasoning requirements (30-90 day reserves, source documentation) and identifies missing verification documents
Generates clear explanations linking loan structure, borrower profile, and risk factors to proposed pricing for investor/committee review
Produces standardized memos with executive summary, borrower profile, income analysis, asset schedule, risk assessment, and underwriting decision with supporting rationale
Identifies policy exceptions (concentration limits, income calculation adjustments, documentation gaps) and structures waiver requests with risk mitigation language
Calculates post-closing liquid asset reserves and flags scenarios where reserves fall below prudent lending thresholds
Example Output
Example 1: Complex Income Reconciliation
Input: Self-employed physician with K-1 from partnership, W-2 from hospital, rental income
Output:
Adjusted Income Analysis
- W-2 Hospital Income: $180,000 (verified)
- Partnership K-1 (2 years avg): $95,000 (adjusted for non-recurring items)
- Rental Net Income: $24,000 (verified via Schedule E)
- Total Qualifying Income: $299,000
Debt-to-Income: 38.2% (within jumbo guidelines)
Risk Flags:
✓ K-1 income volatile year-over-year (+15% variance) — recommend 2-year average
✓ Rental property in state with tenant protection regulations — document management experience
Example 2: Asset Concentration Report
Input: $5M asset portfolio across multiple accounts and entities
Output:
Asset Concentration Analysis
Publicly Traded Securities: $2.1M (42%) — CONCENTRATION RISK
└─ Technology sector: 68% of equity holdings
└─ Recommendation: Flag liquidity risk in market downturn
Real Estate Holdings: $2.3M (46%)
└─ Primary residence: $1.8M
└─ Rental properties: $500K
└─ Geographic: All holdings in California
└─ Risk: Single market exposure
Liquid Reserves Post-Close: $680K (12.8 months PITI) — ACCEPTABLE
Example 3: Approval Memo Excerpt
Input: Application package with 15 supporting documents
Output:
JUMBO LOAN APPROVAL MEMO
Borrower: [Name] | Loan Amount: $1.85M | LTV: 74%
Underwriting Decision: APPROVE with conditions
Key Supporting Factors:
- Strong compensating factors despite non-W2 income complexity
- Substantial liquid assets ($680K post-close) exceed 12-month PITI threshold
- Debt-to-income ratio 38.2% within jumbo parameters
- Documented management of multi-property portfolio demonstrates financial sophistication
Conditions:
1. Final approval contingent on K-1 income verification for current year
2. Borrower attestation regarding technology sector concentration
What's Included
- SKILL.md: Core instruction file for jumbo underwriting analysis and memo generation
- Jumbo Application Intake Checklist: 25-point documentation checklist (tax returns, asset verification, entity documents, international assets, seasoning requirements)
- Asset Schedule Template: Structured framework for mapping borrower assets with concentration flags and liquidity calculations
- Approval Memo Template: Institutional-quality memo structure with sections for executive summary, borrower profile, income analysis, asset review, risk assessment, and underwriting decision
- Income Reconciliation Worksheet: Multi-source income calculation framework handling W-2, 1099, K-1, business net income, and rental income with jumbo-specific adjustment guidelines
Who It's For
- Mortgage Underwriters processing jumbo applications with non-standard income and complex asset profiles
- Loan Processors organizing fragmented documentation packages for high-net-worth borrowers
- Loan Officers preparing rate justification narratives for underwriting committee or investor review
- Compliance Managers documenting waiver decisions and policy exceptions with risk mitigation language
- Mortgage Closers coordinating final verification of complex asset and income documentation
Best For
- Jumbo applications with self-employed, business owner, or pass-through entity income
- Multi-property portfolios or complex real estate holdings requiring reconciliation
- Borrowers with $2M+ liquid assets needing concentration and liquidity analysis
- International assets, foreign currency exposure, or cross-border holdings
- Rate justification and approval memo generation for underwriting committee or investor submission
- Policy waiver documentation for concentration limits, income calculation adjustments, or documentation gaps
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