Commercial Credit Memo Drafterv0.1.2

A commercial loan officer needs to draft a CAM for a $2.5M equipment term loan to a 15-year-old manufacturer. The borrower has 3 years of financials, a detailed debt schedule, and offers the new CNC machines as collateral. The skill runs a 5Cs analysis, computes DSCR, leverage, and LTV, and produces a DRAFT memo with a risk rating and covenant package.

A relationship manager is underwriting a $4M owner-occupied commercial real estate purchase under SBA 504 guidelines. The borrower provides historical financials and a base-case projection, plus an appraisal and environmental report. The skill applies SBA-specific DSCR and LTV thresholds, flags the 504 structure, and drafts a DRAFT memo with an Approve-with-conditions recommendation.

A credit analyst is renewing a $1.5M working capital line for a wholesale distributor with customer concentration risk. The borrower supplies A/R aging, inventory turns, and interim financials. The skill performs a 5Cs analysis, calculates DSCR and leverage, notes the concentration as a key risk, and drafts a DRAFT memo with a covenant package including a borrowing base.

An underwriter is evaluating a $10M acquisition loan for a healthcare services company acquiring a competitor. The borrower provides combined historical financials, projected synergies, and a detailed debt schedule. The skill runs a 5Cs analysis, computes DSCR and leverage, flags integration risk, and drafts a DRAFT memo with a risk rating and proposed covenants.

A community development lender is refinancing a $750K loan for a minority-owned retail business under CDFI guidance. The borrower supplies 3 years of tax returns and a projection. The skill applies default bank policy since CDFI guidance is not provided, flags the assumption, and drafts a DRAFT memo with a 5Cs analysis and a risk rating.

Commercial banks and credit unions underwrite loans using the 5Cs framework, DSCR, leverage, and LTV ratios. Lending policy sets minimum DSCR (e.g., 1.20x) and maximum leverage (e.g., 4.00x). The skill drafts a CAM for credit officer review, enforcing evidence discipline and never approving credit.

SBA lenders underwrite government-guaranteed loans with specific DSCR and LTV requirements. The skill applies SBA guidelines when specified, calculates ratios, and drafts a DRAFT memo with conditions. The memo highlights SBA-specific covenants and guaranty requirements.

CDFIs lend to underserved borrowers with flexible underwriting but still require a CAM. The skill uses default bank policy when CDFI guidance is not provided, flags the assumption, and drafts a DRAFT memo with a 5Cs analysis. The memo emphasizes mission alignment and risk mitigation.