Deal assessment to committee memo

A private lender’s edge is two people: the originator who knows the borrower and the market, and the analyst whose models and research methods decide what gets to committee. Neither scales, and the method lives in their heads and their spreadsheets.

The agent copies that advantage and pastes it onto the next deal. Their documents stay where they already live.

1. FIRST DAYS · OBSERVE

   Watch how the originator evaluates opportunities. Review the analyst’s existing models, prompts and research methods. Separate firm lending rules from judgments about what committee might accept. Agree how information can be used and how success is measured.

2. WEEKS 2–3 · FIRST WORKING ASSESSMENT

   The originator starts with a short voice or text debrief. The agent distinguishes borrower claims from the originator’s view and from documented facts, then checks the property, the financing request and the timing against the agreed method.

3. WEEKS 3–4 · DRAFT MEMO

   The assessment explains whether to pursue, revise terms, decline or seek more information, and develops into a draft committee memo.

4. WEEKS 4–5 · TEST AND REFINE

   Further deals, plus selected historical cases with their outcomes withheld. Corrections, review time and cost per case are recorded, and so is the reason an initial position changed.

Dated sources

Every fact says where it came from and when.

Editable assumptions

Assumptions stay visible and changeable, and calculations can be checked.

The case against

Contrary evidence, downside scenarios and missing information stay on the page.

The originator

Owns borrower responses.

The analyst

Validates the method and reviews unfamiliar cases or weak evidence, including proposed declines. Routine assessments should not require their availability.

Committee

Retains approval.

• Approve a loan. It prepares the argument. People decide.
• Share the method. Privacy is maximized to safeguard the lender’s advantage. Only they can scale it.
• Continue on momentum. The engagement continues only if the originator uses it independently, the analysis withstands review, and workload and cost meet the targets agreed at the start.