Advisory · For Loan Officers
Deals stall in underwriting because borrower financials are disorganized, incomplete, or tell a story the documents do not support. I work with loan officers to get borrowers ready: financial statements assembled and reconciled, cash flow documented, business narrative aligned with the numbers, and the document package complete before it reaches an underwriter. The result is fewer conditions, fewer resubmissions, and fewer deals that die on documentation rather than on credit.
What I do
- Borrower financial statement preparation and cleanup
- Cash flow documentation and debt service coverage support
- Business plan and projection review for credit submission
- Document package completeness review before submission
- Bookkeeping remediation where records are behind
- Business narrative aligned to what the financials actually show
- Post-decline analysis what was missing and whether it is fixable
How I work with your pipeline
Referral, engaged directly by the borrower. The borrower is my client, the work is disclosed to all parties, and I do not receive compensation contingent on loan approval or funding.
Required boundary language
I am not a mortgage loan originator, mortgage broker, loan processor, or credit repair organization, and I am not licensed under the SAFE Act or state mortgage licensing law. I do not negotiate loan terms, take applications, offer or arrange credit, or represent any lender. I prepare and organize financial documentation on behalf of borrowers. Compensation is never contingent on loan approval, funding, or terms. Financial information I prepare must be accurate; I do not prepare documents intended to present a borrower's position other than as the records support.
Start with an assessment
Every advisory engagement begins by finding what is actually wrong, quantifying it, and building the structure to fix it.
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