You will get Excel Underwriting Templates (Custom Models)
Project details
I combine 13+ years of Credit Underwriting experience with fast, lender-ready analysis that mirrors real bank standards - meaning you get underwriting that is accurate, actionable, and built the way loan committees expect it.
My work reflects real-world loan committee expectations. I deliver clean spreads, strong structure recommendations, and clear risk insights built from years of approving, structuring, and risk grading CRE, C&I, and SBA deals at the credit-officer level - not just spreadsheet work.
Every model I build mirrors the tools used inside actual credit departments. Clean layouts, accurate formulas, intuitive dashboards, and stress testing built for real lending decisions - not generic templates.
You get bank-grade underwriting delivered quickly, with clear explanations, strong structure options, and clean Excel files that lenders, brokers, and investors can use immediately.
This project gives you real credit officer level analysis - not basic data entry. Spreads, risk review, structure insights, and clean underwriting that matches what lenders expect in today's market.
My work reflects real-world loan committee expectations. I deliver clean spreads, strong structure recommendations, and clear risk insights built from years of approving, structuring, and risk grading CRE, C&I, and SBA deals at the credit-officer level - not just spreadsheet work.
Every model I build mirrors the tools used inside actual credit departments. Clean layouts, accurate formulas, intuitive dashboards, and stress testing built for real lending decisions - not generic templates.
You get bank-grade underwriting delivered quickly, with clear explanations, strong structure options, and clean Excel files that lenders, brokers, and investors can use immediately.
This project gives you real credit officer level analysis - not basic data entry. Spreads, risk review, structure insights, and clean underwriting that matches what lenders expect in today's market.
Project Type
Data Entry, Project Management, Customer Support, OtherWhat's included
| Service Tiers |
Starter
$300
|
Standard
$700
|
Advanced
$1,200
|
|---|---|---|---|
| Delivery Time | 3 days | 5 days | 7 days |
Number of Revisions | 2 | 3 | 4 |
About Austin
Financial Modeling | Senior Credit Officer | CRE/C&I Underwriting
Apex, United States - 7:07 am local time
Professional Summary
Credit Risk Professional with over 13 years of expertise in credit risk analysis and assessment, credit policy development (creating, implementing, and training), and proper loan structuring in compliance with regulatory guidelines within both the commercial and consumer banking environment.
Areas of expertise include analyzing, structuring, and approving CRE, C&I, SBA, and investment real estate loans ranging from $100k to $100MM. I help banks, private lenders, family offices, brokers, and investors get fast, accurate, lender-ready underwriting, including:
What I Deliver:
- Complete financial spreads (CRE, C&I, SBA, Investment RE portfolios)
- UCA cash flow analysis
- CRE underwriting and rent roll modeling/analysis
- Global cash flow & guarantor analysis
- Credit memos (short-form or full write-ups)
- Loan structuring recommendations
- Covenant testing & risk rating support
- Portfolio reviews and asset-quality summaries
- ALM / interest-rate risk analysis (gap, duration, IRR)
- Borrower financial package cleanup
- Stress testing + sensitivities
- Excel-based financial models and templates
Background:
- Former Senior Credit Officer and Senior Credit Manager within large community bank institutions
- Analyzed thousands of deals across CRE, C&I, SBA, investment real estate, and operating companies
- Deep experience in cash flow modeling, risk assessment, and credit policy
- Strong ALM and interest-rate risk knowledge, including gap flipping, hedging, and securities analysis
- Creator of Arvanalytics, LLC - Excel underwriting & risk analysis tools
What Clients Say About Working With Me:
- Fast turnaround (same-day or 24-48 hours depending on scope of analysis)
- Clear communication
- Clean Excel models
- Banker-level accuracy
- Solutions-focused, not just data-entry underwriting
- Professional, confidential, and detail-oriented
Typical Deliverables:
- Underwriting package ready for loan committee
- Deal red-flag summary
- Identification of credit risk strengths, weaknesses, and risk grade evaluation
- Sensitivity scenarios (rates, occupancy, DSCR, leverage, cash flow, liquidity)
- Streamlined package for investors or brokers
- Excel templates for ongoing use
If you need accurate spreads, underwriting support, or a second set of eyes on a deal or portfolio, I can help.
Send me a message and I'll review your deal or project today.
Steps for completing your project
After purchasing the project, send requirements so Austin can start the project.
Delivery time starts when Austin receives requirements from you.
Austin works on your project following the steps below.
Revisions may occur after the delivery date.
Gather requirements for the model's layout and functionality
Design initial structure (tabs, input sheets, formulas)