CRE Loan Underwriting Analyzer
Extract CRE loan data into structured underwriting memos with financial and risk analysis
What You Can Do
You can upload loan packages—financial statements, appraisals, market data, and sponsor documentation—and Claude organizes this information into structured underwriting memos. The skill calculates key CRE metrics (DSCR, LTV, debt yield), evaluates sponsor capacity and property fundamentals, identifies risk factors across market, property, and structural dimensions, and delivers defensible credit recommendations with scenario analysis.
Features
Automatically computes DSCR, LTV, debt yield, NOI, and other CRE credit metrics from application materials
Evaluates balance sheets, cash flow, guarantor strength, and track record against loan size and risk profile
Synthesizes appraisals, comps, market trends, and submarket dynamics to assess property fundamentals and cyclical exposure
Organizes findings into executive summary, loan structure, financial analysis, risk assessment, and recommendation sections for consistency and review efficiency
Tests debt service coverage under rate increases, occupancy declines, and exit scenarios to assess borrower resilience
Flags inconsistencies, weak sponsors, market softness, or structural concerns that warrant enhanced due diligence or mitigants
Analyzes multiple scenarios or refinance structures side-by-side to support approval strategy and pricing decisions
Produces institutional-grade underwriting documentation that supports credit committee review and audit trails
Example Output
Executive Summary Output:
- Loan Request: $25M, 5-yr fixed, 65% LTV on 150-unit multifamily in Denver submarket
- Sponsor: Grade B+ (strong balance sheet, 20-year track record, 3 other stabilized assets)
- Stabilized DSCR: 1.32x (Year 1), 1.18x stressed (95% occupancy, +200 bps rates)
- Risk Rating: Medium (Submarket supply headwinds offset by sponsor strength and cash reserves)
- Recommendation: APPROVE with standard covenants; monitor quarterly NOI variance vs. budget
Financial Analysis Sample:
- Net Operating Income (Year 1): $3.2M (4.2% cap rate vs. 4.6% market average)
- Debt Service: $2.4M annually; DSCR 1.32x (comfort level above 1.25x threshold)
- LTV: 65%; Loan-to-Cost: 62% (within policy)
- Exit IRR (5-yr hold): 18.2% at 4.8% cap rate exit
Risk Assessment Snapshot:
- Property Risk: Medium (Class B asset, 92% occupancy, competitive supply pipeline +8% over 3 years)
- Sponsor Risk: Low (Experienced operator, $150M portfolio, 3:1 liquid reserves to loan amount)
- Market Risk: Medium (Denver multifamily fundamentals soft but not distressed; rent growth moderating)
- Structural Risk: Low (Fixed-rate term, interest-only first 2 years, standard DSC/LTV covenants)
- Overall Credit Grade: B+ (Approve with monitoring)
What's Included
- SKILL.md instruction file: Prompts Claude to systematize CRE loan analysis with defined analytical steps
- Underwriting memo template: Structured format for executive summary, financial analysis, risk assessment, and recommendations
- CRE financial metrics checklist: DSCR, LTV, debt yield, DCF, stress scenarios, and calculation guidance
- Risk assessment framework: Taxonomy for evaluating property, sponsor, market, and structural risk dimensions
- Scenario analysis workbook: Templates for testing rate shocks, occupancy stress, and exit assumptions to support approval decisions
Who It's For
- CRE credit analysts — Evaluating loan applications and documenting credit decisions for approval committees
- Senior lenders & underwriters — Reviewing large loan packages and supporting loan approval recommendations
- Portfolio managers — Analyzing existing CRE loans for refinance opportunities or risk monitoring
- Relationship managers — Preparing credit packages and loan proposals for internal review and sponsor discussions
- Internal audit & compliance teams — Validating underwriting rigor and consistency against institutional credit policies
Best For
- Stabilized multifamily, office, retail, and industrial loan underwriting and approval documentation
- Sponsor financial capacity and track record evaluation against leverage and loan structure
- Debt service coverage and loan-to-value stress testing under economic and rate scenarios
- Market and submarket risk assessment based on appraisals, comps, and supply/demand data
- Comparative analysis of multiple loan structures, refinance scenarios, or competing proposals
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