Credit / Loan Underwriting

What it works from

• Applicant details, sector and years trading
• Requested loan amount and term
• Annual revenue, EBITDA and existing debt
• Lender credit policy and mandatory decision conditions overlapping with sector appetite and pricing guidance

What you get back

• Approve, Refer or Decline recommendation
• Affordability and leverage calculations with supporting arithmetic
• Assessment breakdown across affordability, leverage, sector risk and trading history
• Mandatory referral or decline findings with policy clause citations overlapping with the decision rationale

Why this is expensive by hand

Business lending decisions require consistent treatment of financial evidence, sector appetite and policy exceptions. Routine business loan assessment is the typical trigger — produces a policy-based recommendation supported by debt service cover, leverage and the requested loan’s share of revenue. Makes the financial basis of each assessment explicit. Done properly it is defensible; done at pace it becomes a judgement call nobody can retrace. And "properly" usually means 1–2 hours of manual work.

How this Skill produces it

Here the same job runs as a Skill. Your material goes in; approve, Refer or Decline recommendation comes out, alongside affordability and leverage calculations with supporting arithmetic. The judgement is built in — how items are broken up, what standard they are held to, and where the run stops for a human review. Net effect: 1–2 hours down to ~5 minutes, no drift between runs, and every conclusion traceable back to the evidence behind it.