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amritasarkar777
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credit-analyst

Generate lender-ready loan packages and underwriting analyses for US SMEs.

Updated Apr 8, 2026
Search Tags:#credit-analysis#dscr#sme-financing#loan-packaging#sba-loans#lender-matching
One-click install
npx skills add https://github.com/amritasarkar777/sme-skills --skill credit-analyst
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: credit-analyst
Source: https://github.com/amritasarkar777/sme-skills/tree/main/us/credit-analyst
Command: npx skills add https://github.com/amritasarkar777/sme-skills --skill credit-analyst

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

Identify and assess the creditworthiness of US SMEs seeking financing by generating lender-ready loan packages and underwriting analyses.

Core Features & Use Cases

  • Credit Analysis: Assess financial statements, ratios, and cash flow to determine debt capacity and risk.
  • Loan Packaging & Lender Matching: Assemble comprehensive loan packages and identify suitable lenders (SBA, banks, and alternative lenders).
  • Regulatory & Documentation Guidance: Interpret SBA requirements, prepare supporting documentation, and ensure compliance.
  • Scenario & Risk Analysis: Model DSCR, collateral needs, and covenants for different financing structures.

Quick Start

Provide a lender-ready credit package for a hypothetical US SME seeking SBA financing, including financial statements, DSCR analysis, and lender recommendations.

Frequently Asked Questions about credit-analyst

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I prepare an SBA loan package for a small business?▼

SME credit analysis assesses financial statements, ratios, and cash flow to determine debt capacity and risk. It calculates the DSCR to evaluate whether a business generates sufficient income to cover debt obligations across SBA, bank, and alternative lenders.

What is the best way to calculate DSCR for SME financing?▼

DSCR calculation models your business cash flow against debt obligations to evaluate financing risk. This Skill structures scenario analyses to model DSCR outcomes, collateral needs, and covenants for different debt financing structures.

Can I match my business financials with suitable lenders for a working capital loan?▼

Lender matching evaluates your creditworthiness and loan structure to identify suitable SBA, bank, or alternative lenders. The Skill outlines recommended lenders based on your generated underwriting analysis and specific financing requirements.

Does underwriting an SME line of credit require 3-year historical financials?▼

Underwriting an SME line of credit requires 3-year historical financials and year-to-date statements to satisfy financial analysis and reporting requirements. The Skill uses these inputs to evaluate debt capacity and structure terms.

How do I evaluate collateral needs for equipment purchase financing?▼

Collateral evaluation assesses asset value against the requested loan amount to structure financing terms and covenants. The Skill models collateral needs alongside DSCR calculations to determine risk and debt capacity for equipment purchases.

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