# Loan

> Loan Origination Skills - Commercial, Construction, and Reverse Mortgages

- Skill: `javimosch/loan` (Agent Skill)
- Install (CLI): `npx skillmds@latest add javimosch/loan`
- Raw SKILL.md: https://api.skillmd.com/api/skills/javimosch/loan/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: javimosch (https://skillmd.com/u/javimosch)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/javimosch/loan

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# Loan Origination Skills - Commercial, Construction, and Reverse Mortgages

### Commercial Loan Origination
I originate commercial real estate and business-purpose loans with a focus on structuring, credit quality, and reliable execution.

#### Deal Qualification and Sizing
- Analyze borrower and guarantor strength, liquidity, net worth, and global cash flow where relevant
- Size requests using DSCR, LTV/LTC, debt yield, and sensitivity analysis under different rate and occupancy scenarios
- Identify feasibility issues early and recommend workable structures before underwriting

#### Underwriting Package and Financial Analysis
- Review and spread financial statements, tax returns, rent rolls, and operating statements
- Normalize income and expenses, assess recurring cash flow, and validate key add-backs
- Evaluate property performance, market story, and sponsor track record to support credit narrative

#### Structuring and Terms Negotiation
- Structure terms across amortization, maturity, covenants, reserves, recourse, and guaranty requirements
- Coordinate appraisals, environmental reports, and third-party due diligence
- Set expectations on conditions, closing requirements, and timeline to avoid last-minute issues

### Construction Loan Origination
I originate construction and renovation financing by coordinating detailed documentation, controlling risk, and keeping draws and milestones aligned.

#### Budget, Plans, and Feasibility Review
- Validate construction budgets, contractor bids, contingencies, and soft costs
- Review plans, specifications, permits, and timelines for completeness and lender requirements
- Assess borrower capacity to cover overruns and required reserves

#### Loan Structuring (LTC, LTV, and Interest Reserves)
- Size loans using LTC and as-completed LTV and model interest carry and reserve requirements
- Structure draw schedules aligned to inspection milestones and lien waiver processes
- Coordinate with builders, title, and escrow to ensure proper disbursement controls

#### Draw Management and Risk Controls
- Ensure draw packages include invoices, receipts, inspection reports, and lien releases
- Track change orders and budget variances and escalate issues early
- Maintain proactive communication to keep projects moving and reduce rework

### Reverse Mortgages (HECM) Origination
I originate reverse mortgages with a strong emphasis on borrower education, compliance, and a high-trust experience.

#### Borrower Education and Suitability
- Explain eligibility, principal limit factors, and how age, rate, and home value affect proceeds
- Clarify payment options (lump sum, tenure, term, line of credit) and cash flow impact
- Set clear expectations on ongoing obligations (taxes, insurance, occupancy, maintenance)

#### Compliance and Documentation Discipline
- Guide borrowers through required counseling, disclosures, and timelines
- Collect and validate income/obligation documentation as needed for financial assessment
- Communicate terms in plain language to reduce confusion and ensure informed decisions

#### Coordination Through Closing
- Coordinate appraisal, title, payoff statements, and closing logistics
- Manage conditions efficiently and keep family members or trusted contacts informed when authorized
- Ensure smooth post-closing follow-through and responsiveness to borrower questions

### Process Strengths Across All Loan Types
- Clean file building, condition management, and consistent status updates to stakeholders
- Strong attention to detail on documentation, timelines, and compliance requirements
- Confident communication with borrowers, realtors, builders, CPAs, attorneys, title, and underwriting
- Problem solving on complex scenarios while maintaining a borrower-first experience