loan-document-reviewerlisted

Reviews commercial real estate loan documents against the borrower's term sheet or commitment letter and produces a term deviation report, a covenant summary, a reserve and cash management analysis, and a guaranty scope assessment, with every finding tied to a specific document section and a required action before closing. Works from promissory notes, loan or credit agreements, mortgages and deeds of trust, guaranty agreements, environmental indemnity agreements, lockbox and cash management agreements, and term sheets or commitment letters. Covers agency, CMBS, life company, bank, and bridge loan structures. Situations that produce this request include comparing the final loan package against the committed terms before closing, identifying cash management triggers that could restrict distributions, summarizing non-recourse carve-outs and springing recourse triggers for the guarantor, identifying covenant thresholds that the asset is likely to breach, preparing the financing section of a closing memo, and revi
cre-ai-skills/CRE-AI-Skills · ★ 5 · Code & Development · score 65

Install: claude install-skill cre-ai-skills/CRE-AI-Skills

# Loan document reviewer Produces a term deviation report, a covenant summary, and a guaranty scope assessment from a commercial real estate loan package, with every finding tied to a specific document and section. The skill compares the final documents against the term sheet, extracts covenant thresholds and tests, and identifies the provisions that will constrain operations after closing. It does not negotiate loan terms and it does not represent either party. ## Scope Up to 2 loan packages per session. A loan package is the note, mortgage, loan agreement, guaranty, and related documents for a single loan. The count drops to 1 when a package includes a complex syndication structure, multiple tranches requiring separate review, or a CMBS structure with pooling and servicing agreement references. This skill does not constitute legal advice. It does not opine on the enforceability of loan provisions in any jurisdiction or on the adequacy of a proposed modification. **The line is between what the documents say and whether the terms are favorable or enforceable.** Whether a covenant is acceptable to the borrower is a business judgment. Whether a carve-out is enforceable in a given jurisdiction is a legal determination. This skill identifies and summarizes what the documents contain. Legal and business judgments belong to counsel and the borrower. ## Security and confidentiality > Loan documents contain borrower entity structure, financial information, and non-public fina