AI for Credit Analyst

I'm a commercial credit analyst preparing an annual review memo. Based on the financial data below, write a professional annual review narrative (400-600 words) covering: 1. Revenue and profitability trends (YoY comparison) 2. Leverage and coverage metrics (DSCR, Debt/EBITDA) 3. Liquidity position 4. Covenant compliance status 5. Overall credit quality assessment and risk rating recommendation Borrower: [Company Name] Industry: [Industry] Loan type/exposure: [$X facility type] **Current Year Financials:** - Revenue: $[X]M (vs $[X]M prior year) - EBITDA: $[X]M (margin: [X]%) - Net income: $[X]M - Total debt: $[X]M - Annual debt service: $[X]M - DSCR: [X.Xx] - Debt/EBITDA: [X.Xx] - Current ratio: [X.Xx] - Cash: $[X]M **Covenant requirements:** [e.g., DSCR ≥ 1.20x, Debt/EBITDA ≤ 4.0x] **Covenant status:** [compliant / waiver needed on X] **Notable changes:** [e.g., completed acquisition of ABC Co., lost major customer, new credit facility] Write in formal, analytical language. Flag any areas of concern clearly but without alarmism.

I'm a commercial credit analyst. Write the collateral analysis section for a credit memo. **Loan details:** - Loan amount: $[X]M - Loan type: [e.g., term loan / CRE mortgage / equipment loan / C&I revolver] **Collateral pledged:** 1. [Collateral type]: [Description and estimated value] - Valuation basis: [e.g., appraisal dated [date], tax assessed value, book value, orderly liquidation value] - Lien position: [e.g., first mortgage, first lien UCC, second position behind existing lender] 2. [Additional collateral if any]: [Description and value] **Guarantees:** - [e.g., Full personal guarantee of John Smith, 100% owner] - [e.g., PFS shows net worth of $[X]M with liquid assets of $[X]M] **Collateral coverage calculation:** Total collateral value: $[X]M Loan amount: $[X]M Coverage ratio: [X]% Write 2-3 paragraphs analyzing the adequacy of the collateral position. Note any risks to liquidation value (e.g., specialized equipment, real estate market conditions, guarantee strength). State whether the collateral is considered adequate or a concern.

I'm a commercial credit analyst. Draft [choose one: a covenant waiver letter to the borrower / an internal credit memo section recommending a covenant waiver]. **Situation:** - Borrower: [Company Name] - Covenant breached: [e.g., DSCR fell to 1.08x vs. required 1.20x minimum] - Period: [e.g., fiscal year ending December 31, 2024] - Borrower's explanation: [e.g., revenue declined 12% due to loss of a major contract; new contracts signed in Q1 2025 are expected to restore revenue by Q3] - Borrower's financial projections show return to compliance: [e.g., DSCR projected at 1.31x for FY2025 based on current backlog] **Waiver terms the bank is offering:** - [e.g., One-time waiver for FY2024 only] - [e.g., Additional reporting: monthly financial statements for next 6 months] - [e.g., No additional draws on revolver until DSCR returns above 1.20x] - [e.g., Personal guarantee reaffirmation required] Write in formal, professional language. [For letter: address it to the borrower principal.] [For memo: write as an analyst recommendation to the credit committee.]

I'm a commercial credit analyst preparing a credit memo for a loan committee. Write a professional credit memo narrative for the following sections based on the information I provide: **Company Overview:** [2-3 paragraphs, factual and neutral tone] **Purpose and Use of Proceeds:** [1 paragraph] **Management Overview:** [1-2 paragraphs] Here is the borrower information: - Company name: [Company Name] - Industry: [e.g., commercial real estate, manufacturing, healthcare] - Years in business: [X years] - Ownership structure: [e.g., privately held, LLC, family-owned] - Key principals: [names and titles] - Annual revenue: $[X]M - Employees: [X] - Request type: [e.g., $5M term loan, $2M revolver] - Purpose: [e.g., equipment purchase, working capital, acquisition] - Prior relationship with bank: [new customer / existing customer since YYYY] Write in formal banking language. Avoid marketing language. Do not include financial ratios or spreads. Those go in a separate section.