Request Summary
State borrower, facility type, amount, term, purpose, and requested decision.
4.8
on G2
Free Banking & Lending Template
Document borrower risk, repayment capacity, collateral, and recommended credit decision
Use this template to document borrower risk, repayment capacity, collateral, and recommended credit decision.
| Field | Details |
|---|---|
| Category | Banking & Lending |
| Owner | [Team or owner] |
| Version | [Version number] |
| Effective Date | [Date] |
| Review Cycle | [Monthly / Quarterly / Annual / Event-based] |
| Status | [Draft / In Review / Approved] |
State borrower, facility type, amount, term, purpose, and requested decision.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Summarize ownership, operations, management, industry, and relationship history.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Analyze revenue, cash flow, leverage, liquidity, debt service coverage, and trends.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Document collateral type, valuation, lien position, guarantees, and loan-to-value.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Identify repayment risks, mitigants, policy exceptions, covenants, and risk rating.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Provide approve, decline, renew, or modify recommendation with rationale.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
List closing conditions, covenants, reporting requirements, and review cadence.
| Item | Details | Owner | Status |
|---|---|---|---|
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
| [Item or requirement] | [Describe the relevant detail, evidence, or decision] | [Owner] | [Open / Complete] |
[Add context, assumptions, exceptions, evidence links, screenshots, calculations, or reviewer comments.]
Document review conclusions, approvals, unresolved items, and next review date.
| Role | Name | Date | Notes |
|---|---|---|---|
| Preparer | [Name] | [Date] | [Notes] |
| Reviewer | [Name] | [Date] | [Notes] |
| Approver | [Name] | [Date] | [Notes] |
Template Structure
Use this banking & lending template as a starting point, then customize each section to match your internal workflow, evidence, and signoff needs.
State borrower, facility type, amount, term, purpose, and requested decision.
Summarize ownership, operations, management, industry, and relationship history.
Analyze revenue, cash flow, leverage, liquidity, debt service coverage, and trends.
Document collateral type, valuation, lien position, guarantees, and loan-to-value.
Identify repayment risks, mitigants, policy exceptions, covenants, and risk rating.
Provide approve, decline, renew, or modify recommendation with rationale.
List closing conditions, covenants, reporting requirements, and review cadence.
Write a credit memo for a banking credit committee. Structure with these Markdown sections:
State borrower, facility type, amount, term, purpose, and requested decision.
Summarize ownership, operations, management, industry, and relationship history.
Analyze revenue, cash flow, leverage, liquidity, debt service coverage, and trends.
Document collateral type, valuation, lien position, guarantees, and loan-to-value.
Identify repayment risks, mitigants, policy exceptions, covenants, and risk rating.
Provide approve, decline, renew, or modify recommendation with rationale.
List closing conditions, covenants, reporting requirements, and review cadence.
Borrower requests a $350,000 five-year equipment term loan to replace imaging systems.
| Metric | 2025 | 2026 YTD | Policy |
|---|---|---|---|
| DSCR | 1.42x | 1.36x | >=1.25x |
| Debt / EBITDA | 2.1x | 2.3x | <=3.0x |
Approve subject to first lien on financed equipment, owner guarantee, and quarterly financial statements.
Record a walkthrough, training session, or process demonstration. Docsie AI turns it into structured documentation using this template as the starting framework.
Use the template manually, or let Docsie generate the first draft from source footage.
Analyze suspicious activity alerts, customer context, transaction patterns, and disposition rationale
Review branch cash controls, teller operations, security, disclosures, and exception remediation
Checklist for verifying collateral value, perfection, insurance, and exceptions
Guide delinquency segmentation, borrower outreach, cure options, and escalation controls
Document credit policy deviations, compensating factors, approval rationale, and monitoring
Prepare regulated complaint investigation responses with facts, resolution, and corrective action
Template FAQ
Common questions about using and generating a credit Memo.
Q: What is a credit Memo?
A: A credit Memo is a structured document for document borrower risk, repayment capacity, collateral, and recommended credit decision.
Q: Can I download this credit Memo as Word or PDF?
A: Yes. This page includes free downloads in DOCX, PDF, and Markdown formats so you can edit, share, or import the template into your documentation system.
Q: Can Docsie generate this from a video?
A: Yes. Upload a process walkthrough, training recording, or screen capture to Docsie, then use this template structure to generate a first draft automatically.