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loan-officer

Analyze loan applicants' creditworthiness and estimate eligible loan amounts in Thai banking contexts.

14|6|Updated Apr 16, 2026
Search Tags:#ltv#mortgage#loan#credit-analysis#document-checklist#dsr#smeloans
One-click install
npx skills add https://github.com/aiunlocked1412/claude-skill-unlock --skill loan-officer
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: loan-officer
Source: https://github.com/aiunlocked1412/claude-skill-unlock/tree/main/skills/10-finance-accounting/loan-officer
Command: npx skills add https://github.com/aiunlocked1412/claude-skill-unlock --skill loan-officer

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

This Skill helps borrowers and loan handlers quickly assess creditworthiness and estimate realistic loan eligibility, reducing uncertainty and preparatory mistakes when applying for home, auto, SME, or personal loans.

Core Features & Use Cases

  • 5C Credit Assessment: Performs a structured evaluation of Character, Capacity, Capital, Collateral and Conditions to identify strengths and risks.
  • Financial Calculations: Calculates DSR (Debt Service Ratio), applies LTV rules (per ธปท. guidance) and estimates an approvable loan range and monthly repayment capacity.
  • Approval Workflow & Documentation: Produces an approval timeline, required document checklist per loan type, and actionable tips to improve approval chances (e.g., debt reduction, co-borrower strategies).
  • Use Case: A homebuyer with 60,000 THB net income and existing 8,000 THB monthly debt receives a DSR breakdown, estimated mortgage capacity, LTV guidance and a document checklist tailored for Thai banks.

Quick Start

Analyze my eligibility for a 3,000,000 THB mortgage with 60,000 THB net monthly income and 8,000 THB existing monthly debt.

Frequently Asked Questions about loan-officer

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

FAQPage Schema
How do I estimate my mortgage eligibility and DSR for a Thai bank application?▼

Mortgage eligibility is estimated by calculating your Debt Service Ratio (DSR) and applying Loan-to-Value (LTV) rules. This assessment uses your net income, existing debt, and a 5C credit evaluation to generate an approvable loan range and monthly repayment capacity.

What is the 5C credit assessment and how does it evaluate loan approval chances?▼

The 5C credit assessment evaluates Character, Capacity, Capital, Collateral, and Conditions to identify borrower strengths and risks. This structured analysis helps estimate realistic loan eligibility and produces actionable tips to improve your approval chances.

How do I calculate DSR and apply LTV rules for home, auto, and SME loans?▼

DSR calculation divides your total monthly debt obligations by net income, while LTV rules limit the loan amount relative to collateral value. Applying these metrics across home, auto, SME, and personal loan scenarios yields an estimated approvable loan range.

What document checklist do I need for a Thai banking loan application?▼

The document checklist required for Thai banking loan applications varies by loan type, including home, auto, SME, and personal loans. The assessment produces a tailored checklist alongside an approval workflow timeline to ensure proper preparation.

Can I assess personal loan creditworthiness with existing monthly debt and a fixed income?▼

Creditworthiness for personal loans is assessed by analyzing your fixed net income against existing monthly debt. The evaluation computes your DSR, applies relevant LTV guidance, and outputs a recommended loan range tailored to your financial capacity.

What are the limitations of estimating loan eligibility without an official bank submission?▼

Estimating loan eligibility provides a 5C-based assessment and DSR calculation but does not guarantee final bank approval. Results include YMYL disclaimers and serve as preparatory guidance, as official Thai bank underwriting requires direct document verification.

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