Use Claude to Write Full Credit Memo Narratives

What This Does

With Claude Pro, you can upload a CIM, borrower-provided business summary, or CPA letter alongside your financial data, and get a fully drafted credit memo narrative (company overview, financial analysis, risk assessment, and deal recommendation) in one session. Cuts the narrative writing portion of a credit package from 2-3 hours to 30-45 minutes.

Before You Start

• You have a Claude.ai Pro subscription
• You have key borrower documents: CIM, CPA financial statements, or your own spread summary
• You have the deal terms finalized

Steps

1. Open a new Claude conversation

2. Upload supporting documents (if you have them)

Upload the CIM, executive summary, or financial statement PDF using the paperclip icon. Claude can reference these during the conversation.

3. Provide the deal context prompt

4. Request each memo section

Work section by section, or ask for the full memo at once if you prefer.

5. Review, edit, and finalize

Edit for your bank's specific tone, terminology, and format requirements.

The Setup Prompt

You are helping me write a commercial bank credit memo for a loan committee. I'll give you borrower information and ask you to draft specific sections. Use formal bank memo language — analytical, factual, no marketing tone.

Here is the deal overview:
- Borrower: [Company Name]
- Industry: [Industry / NAICS]
- Request: [$X facility description — term loan, revolver, mortgage, etc.]
- Purpose: [Use of proceeds]
- Guarantors: [Names]
- Key metrics: Revenue $[X]M, EBITDA $[X]M, DSCR [X.Xx]x, Debt/EBITDA [X.Xx]x

[Upload or paste CIM excerpt or financial summary here]

I'll ask you to draft each section. Start with: Company Overview.

Section-by-Section Prompts

After the setup, ask for each section:

• Write the Company Overview section (2-3 paragraphs, factual, describe the business, history, ownership, customers, and competitive position)
• Write the Management and Ownership section (1-2 paragraphs)
• Write the Financial Analysis section based on the 3-year spread data I provided
• Write the Collateral Analysis section
• Write the Risk Assessment section — list 3-4 key risks and mitigants
• Write the Recommendation section — we are recommending approval

Tips

• Keep a single conversation going for the full memo. Claude retains context about the borrower across all sections.
• Ask Claude to "flag any statements that seem like they require a specific data source I should verify"
• For CRE deals: "Add a Market Analysis section covering vacancy rates and comparable properties in [market]"
• Save the conversation. You can return to it to regenerate sections if the deal terms change.

Always review the full memo against source documents before submitting to loan committee.