Resources
Commercial lending workflow notes from CORE.
Practical writing for commercial credit teams that need cleaner borrower files, source-cited analysis, and audit-ready operating discipline.
Public Guides
Start with the structure of the file.
How lenders validate AI-generated credit analysis before decisions
Source citations, human review gates, policy snapshots, and replayable records — the five controls that make AI output usable in a credit decision.
Credit fundamentalsWhat is financial statement spreading? A lender's guide
Why spreading consumes analyst time, the document-authority rule every credit shop uses, and what to ask a spreading software vendor.
Credit memosCredit memo automation vs. generation: the distinction that matters
One phrase delegates judgment; the other accelerates it. What regulated lenders should ask before buying either.
Program lendingUSDA B&I vs. SBA 7(a): how the underwriting actually differs
Eligibility logic, deal profiles, burden of proof, and why the program rules belong inside the underwriting rather than beside it.
Credit memosWhat belongs in a commercial credit memo
The content obligations committees actually check, why risk sections fail, and why memo structure should be a configuration the lender owns.
AI governanceAI governance for credit: what examiners will ask
Five examiner questions about AI in the credit process — and the artifacts a lender needs to answer them.
Workflow architectureWhen CRM records become a commercial lending workspace
A public, lender-safe version of the operating model behind CRM-to-underwriting handoffs: companies, contacts, collateral, roles, evidence, and review.
COREView libraryPublic industry credit reports
Browse program-tagged sector reports with risk scoring, covenant considerations, diligence prompts, and source-prioritized citations.