Loan Covenant Compliance Monitor

Run a borrower's most-recent reporting package against the credit agreement's covenant grid, calculate every financial covenant (FCCR, leverage, DSCR, minimum EBITDA, minimum tangible net worth, capex limit, liquidity, lockbox tests, financial-reporting timeliness) with the contract definition rather than the textbook definition, project headroom forward through the next two reporting periods, surface any breach or trip-the-cushion situation with a recommended action, and produce a portfolio-monitoring memo that the relationship manager and the credit-administration team can sign. Output is a structured covenant-compliance certificate plus a portfolio-level dashboard view that captures the post-close state of every loan in the book — distinct from origination (handled by Credit Memo Drafter) and from a one-off restructuring memo. Covers C&I term loans, revolvers, CRE mortgages, SBA 7(a) / 504, equipment finance, ABL borrowing-base loans, syndicated leveraged loans, direct-lending unitranche, and HVCRE.