Every deliverable a credit committee expects.
Resolute produces complete, committee-ready underwriting packages for commercial loan requests — built to a rigorous, proven standard every time.
What we analyze. What you receive.
We handle the full analytical workload of a commercial loan underwriting engagement — from spreading financials to assembling the final credit memo. Every package is delivered using our own standardized credit memo template, built to meet the standards credit committees expect.
Financial Statement Spreading & Analysis
We spread three years of business and personal financial statements, calculate year-over-year trends, and produce common-size income statements and balance sheets. Our analysis identifies key financial ratios, working capital trends, and earnings quality — the foundation of every sound credit decision.
Debt Service Coverage Calculations
Accurate DSCR analysis is the core of commercial credit underwriting. We calculate entity-level, global, and guarantor DSCR using a rigorous, standardized methodology — including adjustments for owner compensation, depreciation add-backs, and non-recurring items.
Global Cash Flow Analysis
For borrowers with multiple entities, guarantors, or complex ownership structures, we build a consolidated global cash flow model that captures all sources of repayment. This gives your credit committee a complete picture of the borrower's true debt service capacity.
Industry & Market Risk Assessment
Every credit decision requires context. We assess the borrower's industry using SIC/NAICS benchmarking, identify sector-specific risk factors, and evaluate how macroeconomic conditions may affect repayment capacity — giving your committee the qualitative analysis to complement the numbers.
Collateral & Guarantor Analysis
We evaluate collateral adequacy, loan-to-value ratios, and guarantor strength as secondary repayment sources. Our analysis documents collateral type, condition, marketability, and coverage — giving your committee a clear picture of the credit's risk profile beyond cash flow.
Complete Credit Memo Package
Every engagement concludes with a complete, committee-ready credit memo delivered in our standardized format. The package integrates all analytical components into a single, coherent narrative — structured for clarity, supported by the numbers, and ready to present.
We underwrite across the full commercial spectrum.
Ready to submit a deal?
Contact us to discuss your underwriting needs or submit a deal for review.