Notes
Background notes on commercial underwriting
Three notes for commercial credit departments: what underwriting software does, what AI underwriting means at a bank, and how to standardize the credit memo.
Primer
What commercial loan underwriting software actually does
A plain account of the five jobs inside commercial underwriting, which ones software finishes today, where the category boundary sits against mortgage and consumer systems, and why the same phrase is sold by vendors doing very different work.
Verified August 17, 2026
Explainer
AI underwriting for banks, explained without the marketing
What AI actually does inside a bank's underwriting process, why the phrase covers two unrelated products, how to read an availability claim, and what a risk function has to document once a model touches a credit file.
Verified August 17, 2026
Method
How to standardize credit memos across a commercial credit department
A practical method for getting every analyst to produce the same memo: fixing the template, deciding what belongs in it, separating narrative from data, and choosing software that populates rather than replaces the standard.
Verified August 17, 2026