| Financial Statement Spreading |
Excel, Power Query, ChatGPT, Workiva |
Ingest and normalize borrower financials; auto-spread IS/BS/CF; compute ratios and common-size views. |
Creates a consistent base for all credit decisions. |
| Cash Flow & Debt Service |
Excel, Power BI, ChatGPT, Python (pandas) |
Build EBITDA/OCF models; calculate DSCR, FCCR, leverage; summarize covenant headroom. |
Quantifies repayment capacity and risk. |
| Industry & Macro Analysis |
IBISWorld, FRED, Power BI, ChatGPT |
Summarize sector outlooks, demand drivers, and cyclicality; link to borrower sensitivity. |
Places borrower risk in market context. |
| Collateral & Valuation |
CoStar/LoopNet, Excel, ChatGPT, UCC portals |
Estimate collateral value and advance rates; summarize LTV, liquidation assumptions, and recovery paths. |
Supports secured lending structures and loss given default. |
| Credit Scoring & PD/LGD |
Power BI, Python (scikit-learn), ChatGPT, Excel |
Blend internal scores with bureau data; document variable importance; produce PD/LGD ranges. |
Improves consistency and model transparency. |
| Covenant Design & Monitoring |
Notion, Excel, ChatGPT, SharePoint |
Draft covenant packages; set thresholds; auto-generate borrower compliance trackers and alerts. |
Prevents drift and enables early interventions. |
| Portfolio Surveillance |
Power BI, Tableau, ChatGPT, Alteryx |
Create dashboards for rating migration, concentrations, and watch lists; flag anomalies. |
Keeps emerging risks visible across the book. |
| Credit Memos & Approvals |
Word, ChatGPT, DocuSign, Notion |
Generate executive-ready credit writeups with strengths/weaknesses, mitigants, and recommendation. |
Speeds committee reviews with clear narratives. |
| Regulatory & Policy Compliance |
OneTrust, SharePoint, ChatGPT, Excel |
Align analyses to policy (risk ratings, HVCRE, CECL inputs); maintain audit trails. |
Reduces exam findings and ensures consistency. |
| CECL / Expected Loss |
Power BI, Excel, ChatGPT, Python |
Prepare historical loss matrices; segment pools; summarize ECL drivers and overlays. |
Connects loan-level risk to reserving outcomes. |
| Ethics, Fair Lending & AI Governance |
Claude, ChatGPT, OneTrust, Power BI |
Document model governance, bias checks, and explainability; maintain human-in-the-loop signoffs. |
Protects customers and meets regulatory expectations. |