Credit-Memo Drafting

Draft credit memos from financials and loan files, every figure traced to its source document.

Book a demo All financial services agents

What It Does

The agent reads the financials, spreads the numbers, and drafts the memo sections with each figure cited to its source. An analyst reviews and owns the recommendation.Without it: Analysts spend days re-keying financials and assembling memos before the credit committee can even meet.

Spreads three years of statements onto your own template line items
Add-backs and owner adjustments are listed for the analyst rather than applied
Bureau pulls and covenant tests are stamped with the date they were run.
Where a statement is unaudited or handwritten, the figure carries that caveat

Illustrative example

A $2.4M equipment facility for Redwood Fabrication arrives with three years of unaudited statements and a bookkeeping export. The agent spreads them, computes DSCR at 1.31x against the covenant grid, drafts the business description and financial analysis with every figure linked to the page it came from, and leaves the rating and recommendation blank. The analyst checks the spread against the statements and writes the rating and the recommendation.

Reads

LOS

Application, facility terms

Credit bureau

Pulls, stamped with dates

Document store

Statements, bookkeeping exports

Spreading tool

Your template line items

Runs

Credit-memo drafting

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