Commercial Loan Decision Analysis
Analyze commercial loan applications with financial ratios and risk scoring
What You Can Do
You can analyze commercial loan applications across deal sizes from $100K to $5M+ by synthesizing financial statements, industry dynamics, and borrower-specific factors into defensible credit decisions. The skill produces audit-ready documentation including financial ratio analysis, risk scoring, covenant assessments, and structured credit memoranda that reduce decision bias and ensure regulatory compliance.
Features
Calculate and interpret liquidity, leverage, profitability, and coverage ratios to assess borrower financial health
Apply quantitative credit risk frameworks that assign risk ratings based on weighted financial and qualitative factors
Follow a phased workflow (intake, analysis, decision memo) that ensures consistent evaluation across loan applications
Assess compliance with loan covenants and flag material changes in borrower financial condition
Produce documentation that supports approval/denial recommendations with quantitative evidence for loan committee review
Adapt ratio benchmarks and risk thresholds based on industry dynamics and borrower business model
Evaluate restructuring viability and loss mitigation strategies for underperforming loans
Example Output
Example 1: Risk Assessment Summary
- Liquidity Ratio (Current): 1.8x (Industry benchmark: 1.5x) → Low risk
- Debt-to-EBITDA: 2.1x (Policy maximum: 2.5x) → Acceptable
- DSCR (Debt Service Coverage): 1.35x (Minimum required: 1.20x) → Adequate
- Risk Score: 42/100 (Low risk profile)
- Recommendation: Approve $500K term loan with standard covenants
Example 2: Credit Memo Structure
- Borrower Overview: Manufacturing, 12-year operating history
- Financial Trend Analysis: Revenue growth 8% YoY, margins stable
- Ratio Analysis Summary: 6 key ratios with peer comparison
- Risk Assessment: 3 mitigating factors, 2 risk concentrations identified
- Conclusion: Conditional approval pending management depth review
What's Included
- SKILL.md instruction file with complete underwriting framework:
- Financial Ratio Calculator template: Pre-configured formulas for liquidity, leverage, profitability, and coverage ratios
- Risk Scoring Worksheet: Weighted scoring model with benchmark thresholds
- Credit Memorandum Template: Structured outline for loan committee documentation
- Covenant Checklist: Standard and custom covenant monitoring framework
Who It's For
- Commercial loan officers — Evaluating new applications and managing portfolios
- Credit analysts — Preparing detailed financial analysis and risk assessments
- Loan committee members — Reviewing underwriting recommendations and approval criteria
- Portfolio managers — Monitoring covenant compliance and borrower financial condition
- Credit risk managers — Ensuring consistent underwriting standards and regulatory compliance
Best For
- New commercial loan application analysis ($100K-$5M+ facilities)
- Credit memoranda preparation for internal review and approval processes
- Covenant performance monitoring and annual borrower reassessments
- Troubled credit evaluation and restructuring viability assessments
- Audit documentation and regulatory compliance evidence gathering
- Risk rating adjustments based on material changes in borrower financials
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