Calculate borrowing capacity based on DSCR, collateral value, or project cost.
Ensure real estate and construction loans are sized accurately.
Assess repayment capacity under adverse scenarios.
Prepare financial sections for underwriting packages.
Build loan repayment schedules with interest and principal breakdowns.
Project borrower cash flow under different lending structures.
Review and verify security coverage.
Summarize key figures from appraisal reports.
Analyze rent rolls and property financials.
Ensure loan amounts are fully supported by collateral.
Quarterly and annual statement spreading.
Ongoing monitoring for existing loans.
Adjust borrower ratings based on new financial data.
Identify early warning signals of credit deterioration.
Spot changes in performance before they impact repayment.
