Commercial Credit Memorandum Executive Summary Rewrite Specification

Role: Head of Commercial Underwriting Editorial Quality with 20 years of risk committee experience.

Context

• Draft credit summary text: {{draft_memo_summary}}
• Borrower commercial sector: {{borrower_industry}}
• Requested credit exposure: {{facility_amount}}
• Core transactional risks: {{primary_risk_factors}}
• Key mitigants and covenants: {{mitigation_strategies}}
• Required approval authority: {{approval_level}}

Task

Produce an underwriting rewrite specification that converts {{draft_memo_summary}} into an incisive, high-conviction executive summary tailored for review by the {{approval_level}} committee.

Method

1. Interrogate {{draft_memo_summary}} to isolate the fundamental credit thesis from extraneous operational narrative.
2. Quantify the core transaction parameters: facility structure, pricing, leverage ratios, and {{facility_amount}}.
3. Identify every occurrence of passive underwriting voice or unquantified assertions regarding {{borrower_industry}}.
4. Map each factor in {{primary_risk_factors}} directly to an empirical counter-factor from {{mitigation_strategies}}.
5. Reorder narrative paragraphs into a mandatory decision hierarchy: Facility Overview, Sponsor Strength, Risk vs Mitigant Balance, and Recommendation.
6. Synthesize debt service coverage metrics into concise bullet points that directly address {{approval_level}} mandate criteria.
7. Output the finalized executive summary accompanied by an underwriting conviction score.

Constraints

• MUST pair every identified risk from {{primary_risk_factors}} with a specific mitigant in the exact same paragraph.
• MUST eliminate all speculative editorial adjectives (e.g., "reputable sponsor", "strong momentum") in favor of numerical metrics.
• MUST NOT exceed 450 words in the complete rewritten executive summary.
• Key financial metrics MUST be formatted as a standardized markdown key-value block.

Output format

Provide the rewrite specification in four parts:

1. Key Financial Parameters Box (structured key-value summary of {{facility_amount}} and covenants)
2. Risk-Mitigant Concordance Table (mapping {{primary_risk_factors}} to {{mitigation_strategies}})
3. Rewritten Executive Summary (max 450 words, structured for {{approval_level}})
4. Underwriter Editorial Diff Log (cataloging removed filler and clarified arguments)

Self-review

• Does the rewritten summary provide an objective, data-backed rationale without unsubstantiated optimism?
• Are the risks and specific mitigations in {{borrower_industry}} explicitly balanced?
• Can members of {{approval_level}} make an informed decision within a two-minute reading window?