Credit Memo Drafter

Draft a complete, audit-ready commercial credit memorandum from a borrower's financial statements, loan request, and collateral package. Output is a structured, section-by-section memo suitable for commercial banking credit committee or SBA 7(a) / 504 / Express underwriting review: Borrower Overview, Financial Analysis (spreads, ratios, trend), Industry & Competitive Position, Repayment Capacity (DSCR, global cash flow), Collateral Analysis, Guarantor Analysis, Loan Structure & Covenants, Risk Assessment, and Recommendation. Covers C&I, CRE, SBA, equipment finance, and ABL loan types with type-specific sections and ratios.