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 fundamentalsWhat is DSCR? How lenders actually compute debt service coverage
Why the numerator is a policy choice, what belongs in debt service, and why most committee disagreements about coverage are really disagreements about the period.
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.
CRM + originationFrom commercial lending CRM to borrower project
How companies, contacts, opportunity activity, and review context should survive the controlled handoff from relationship management into the credit file.
COREView libraryPublic industry credit reports
Browse program-tagged sector reports with risk scoring, covenant considerations, diligence prompts, and source-prioritized citations.