AI for Credit Analyst

Write a professional email from a commercial lender requesting financial documents from a business borrower. Use a polite but clear tone — businesslike without being stiff. Request type: [new loan application / annual review / covenant compliance package] Borrower: [Company name or "the borrower"] Due date: [e.g., within 30 days / by March 15] Recipient: [business owner / their CPA / CFO] Documents needed: - [e.g., 3 years business tax returns (2021, 2022, 2023)] - [e.g., YTD profit & loss statement (through [month])] - [e.g., YTD balance sheet] - [e.g., Personal financial statement for each guarantor] - [e.g., Accounts receivable and payable aging] - [e.g., Business debt schedule] - [e.g., 3 months business bank statements] Include: - A brief explanation of why we need these - Instructions for how to submit (secure email / portal / drop off) - My contact info placeholder: [Name, Title, Phone, Email]

I'm a commercial credit analyst working in Excel. Write me a formula for the following calculation: What I need to calculate: [describe in plain English — e.g., "Debt Service Coverage Ratio"] My spreadsheet layout: - [Cell/range description] — e.g., "B12 = EBITDA", "B13 = annual principal payments", "B14 = annual interest expense" - [Any special conditions] — e.g., "if EBITDA is negative, return 0 instead of a negative DSCR" Expected result should go in: [cell reference or column] Also explain what the formula does in one sentence so I can confirm it's calculating what I expect.

I'm a commercial credit analyst. Write the financial analysis narrative section for a credit memo based on the spread data below. This section should interpret the numbers — not just restate them — explaining what drove changes and what they mean for creditworthiness. **Borrower:** [Company Name] **Industry:** [Industry] **Income Statement (3-year trend):** | | FY2022 | FY2023 | FY2024 | |------------------|---------|---------|---------| | Revenue | $[X]M | $[X]M | $[X]M | | Gross profit | $[X]M | $[X]M | $[X]M | | EBITDA | $[X]M | $[X]M | $[X]M | | Net income | $[X]M | $[X]M | $[X]M | **Key Ratios:** | | FY2022 | FY2023 | FY2024 | |------------------|---------|---------|---------| | Gross margin | [X]% | [X]% | [X]% | | EBITDA margin | [X]% | [X]% | [X]% | | DSCR | [X.Xx] | [X.Xx] | [X.Xx] | | Debt/EBITDA | [X.Xx] | [X.Xx] | [X.Xx] | | Current ratio | [X.Xx] | [X.Xx] | [X.Xx] | **Notable events or context:** [e.g., FY2023 revenue spike due to one-time government contract; FY2024 return to normalized revenue base] Write 3-4 paragraphs. Explain the "why" behind trends where possible. Flag any metrics that represent credit concerns. Use analytical, formal language appropriate for a loan committee.

I'm a commercial credit analyst. Write a brief industry overview (3-4 paragraphs) for inclusion in a bank credit memo for a borrower in the following industry: Industry: [e.g., Outpatient Medical Clinics / NAICS 621111] Geography: [e.g., Southeast US, national, specific metro] Cover: 1. Industry structure and size (major players, fragmentation level) 2. Key demand drivers and cyclicality 3. Primary credit risks for lenders (e.g., reimbursement rate exposure, customer concentration, commodity input costs) 4. Current industry conditions (last 12-18 months) Format as flowing paragraphs, not bullet points. Use neutral, analytical language appropriate for a bank credit committee. Keep it under 400 words.

Write a loan committee executive summary for a commercial credit request. This is the opening section that committee members read first — it should be factual, concise (250-350 words), and make the case for approval clearly. **Deal Overview:** - Borrower: [Company Name] - Request: [e.g., $3.5M term loan + $1M revolving line of credit] - Purpose: [e.g., acquisition of XYZ Equipment Co. + ongoing working capital] - Term: [e.g., 5-year term loan, 1-year revolver with annual renewal] - Rate: [e.g., SOFR + 250bps] - Collateral: [e.g., first lien on all business assets, personal guarantee of John Smith] **Key Credit Strengths:** - [e.g., 15 years in business with stable revenue trajectory] - [e.g., DSCR of 1.45x provides adequate cushion] - [e.g., Owner has $2.1M in personal net worth supporting guarantee] **Key Credit Concerns / Mitigants:** - [e.g., Revenue concentration: top customer is 38% of revenue] → [mitigant: customer has been with borrower 8 years, under contract through 2026] - [e.g., Cyclical industry] → [mitigant: borrower maintained profitability through 2008-2009 and 2020] **Recommendation:** [Approve / Approve with conditions / Decline] Write the summary so it reads as a confident, analyst-authored recommendation — not a neutral summary. State the recommendation and support it.

I'm a commercial credit analyst. Write the stress test / sensitivity analysis section for a credit memo. Convert the following scenario results into a clear, professional narrative (200-300 words). **Base Case:** - Revenue: $[X]M - EBITDA: $[X]M (margin [X]%) - DSCR: [X.Xx] **Stress Scenario 1 — Revenue decline:** - Assumption: Revenue declines [X]% from base - Revenue: $[X]M - EBITDA: $[X]M - DSCR: [X.Xx] - [Pass / Fail covenant minimum of X.Xx] **Stress Scenario 2 — Rate increase:** - Assumption: Interest rate rises [X] basis points - Annual debt service increases by $[X]K - DSCR: [X.Xx] - [Pass / Fail covenant minimum of X.Xx] **Stress Scenario 3 — Combined:** [optional] - Assumption: [X]% revenue decline + [X]bps rate increase - DSCR: [X.Xx] - [Pass / Fail] **Analyst conclusion:** [e.g., The credit can absorb a moderate revenue decline; significant combined stress would breach covenant but this scenario is considered unlikely given the borrower's diversified revenue base] Write the narrative section as it would appear in the credit memo — professional, analytical, and direct. Do not repeat the table data — synthesize it into prose.

I'm a commercial credit analyst. Write a watch list summary for a criticized credit. This is an internal document reviewed by senior credit officers. **Borrower:** [Company Name] **Loan type/exposure:** [$X, loan type] **Risk rating:** [e.g., Special Mention / Substandard] **Last review date:** [date] **Current situation:** [Brief description of what led to the criticism — e.g., revenue dropped 20% in 2024 due to loss of two anchor tenants; borrower is marketing 2 vacant spaces] **Recent developments since last review:** [e.g., One new tenant signed, occupancy improved from 62% to 74%; two lease proposals under negotiation] **Current financial metrics:** - DSCR: [X.Xx] (required: [X.Xx]) - Occupancy/utilization: [X%] - Covenant status: [compliant / waiver in place / breach] - Next maturity: [date] **Bank's action plan:** - [e.g., Quarterly financial reporting requirement in place] - [e.g., Site visit scheduled for Q2] - [e.g., Loan modification under discussion if occupancy does not improve by Q3] **Outlook:** [improving / stable / deteriorating] Write 3-4 paragraphs in formal internal reporting language. State the credit quality outlook clearly. Avoid hedging language — be direct about risks.