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Claude SKILL.md templates for commercial bankers and credit analysts: credit memos, covenant compliance, borrower financial spreading, CRE underwriting, and loan officer workflows.
SKILL.md templates are structured prompt frameworks. Copy one into Claude's Projects system prompt — Claude will then follow professional commercial banking workflows automatically, step by step, for any task you give it.
Normalize borrower financial statements into a standard spreading format. Compute key credit ratios, recast EBITDA for non-recurring items, and produce a clean 3-year comparative analysis table.
Analyze a commercial real estate rent roll: normalize lease terms, calculate occupancy, project gross potential rent, compute NOI, and flag credit risk in the tenant base.
Transform borrower financial statements and loan request details into a polished commercial credit memo. Covers borrower background, financial analysis, risk factors, collateral, and credit officer recommendation.
Generate a structured pre-call or pre-meeting brief for commercial bankers. Includes borrower financial snapshot, relationship summary, open items, cross-sell opportunities, and talking points.
Calculate DSCR and debt yield for commercial real estate and business loans. Run sensitivity tables across NOI scenarios and interest rate assumptions to stress-test coverage ratios.
Check borrower financials against loan agreement covenants. Flag any breaches, calculate headroom, and draft a covenant compliance certificate or waiver request narrative.
Assess SBA 7(a) and 504 loan eligibility, prepare the loan narrative, and structure the application for small business borrowers. Includes size standard check, use of proceeds, and repayment analysis.
Choose a template from the list above. Each is a structured prompt framework for a specific commercial banking workflow.
Open Claude → Create a Project → paste the SKILL.md into the project system prompt. Claude now follows the workflow automatically.
Describe your task in plain English. Claude executes the full commercial banking workflow — step by step, with professional output.