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Credit

Covenants, comps, and credit memos, at the scale your pipeline actually runs.

ARC supports direct lending, mezzanine, and special situations desks. Agents read the data room, size the loan, populate the credit memo, monitor covenants, and re-underwrite post-close when something in the borrower's reporting drifts. We've built the multifamily loan pipeline ourselves, rent roll to T12 to PLA to loan delivery, so we know what a credit memo actually needs to carry.

Workflows We Run
  • Loan sizing, LTV, DSCR, debt yield, and structure modeling
  • Credit memo drafting in your template, with exhibit population
  • Covenant compliance monitoring on active positions with automatic variance flags
  • Borrower financial reporting review (consolidation, review, audited) and waterfall tracking
  • Recovery analysis, NPL watchlist, and workout packet preparation
  • Rent roll and T12 normalization for real estate credit
  • Agency affordability calculations (Fannie/Freddie) for multifamily deals
  • Tax bill and assessor lookups at the county level
Work Products
Credit MemoSizing ModelCovenant Compliance ReportBorrower Reporting ReviewWatchlist UpdateRecovery AnalysisPLA WorkfileTax and Assessor PackWorkout Package
Relevant Pillars

Pillars that most often apply in Credit.

Deal & Investment Work

The work that moves capital forward. Built into your underwriting templates, memo standards, com...

Operations & Compliance

The unglamorous hours that quietly eat analyst time. Reconciled, triaged, organized, summarized.

Research & Intelligence

Pre-read prepared. Competitive landscape mapped. Portfolio alerted on what matters.

Next Step

Pick a Workflow. Let's Build It.

A no-cost briefing is the start. Bring one deliverable that eats your team's time. We will sit with the analyst who owns it, map the pipeline end-to-end, and show you exactly what an ARC agent would do.

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