underwriting-analysis

What problem does it solve?

This Skill helps analysts and lenders turn messy borrower information into a consistent underwriting decision by organizing financial, operational, collateral, and management risk factors into a clear credit view.

Core Features & Use Cases

• Borrower Evaluation: Reviews entity structure, ownership, management quality, and related parties.
• Financial Spreading: Normalizes income statements and balance sheets to calculate adjusted EBITDA and key ratios.
• Risk Assessment: Identifies credit, industry, operational, collateral, and regulatory risks with a decision matrix.
• Use Case: A lending team can use this Skill to assess a prospective borrower, score the deal, flag red flags, and determine whether to approve, structure, or decline the credit.

Quick Start

Ask the underwriting-analysis skill to review a borrower’s financials, collateral, and management profile and return a credit score with a recommendation.