Loan Doc Reviewer
Review loan documents against the term sheet and surface every covenant worth negotiating.
★ 105 on GitHub1 download on LenderSkills
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with Avi Hacker, J.D.. That introduction is what keeps every skill here free.
What this skill does
Systematic review of a full loan document package — loan agreement, note, mortgage, guaranty, environmental indemnity, cash management — against the agreed term sheet.
What it does
- Line-by-line commitment-vs-docs comparison that catches changed or newly inserted terms
- Maps every financial covenant, reporting obligation, reserve, and cash-sweep trigger
- Flags provisions unfavorable to the borrower with a prioritized negotiation agenda
- Works for bank, agency, CMBS, life co, and bridge loans
When to use it
Use this skill when you have received draft or final loan documents for a CRE acquisition and need to compare them against the agreed term sheet, understand the full scope of borrower obligations, and identify provisions worth negotiating. It is appropriate for any loan type — conventional bank, agency (Fannie/Freddie), CMBS, life company, or bridge — whenever you need a systematic review of the loan agreement, note, mortgage, guaranty, and related documents.
What to have ready
- The term sheet or commitment letter (or a summary of agreed loan terms)
- The full loan agreement / credit agreement (or key sections)
- The promissory note
- The mortgage or deed of trust
- The guaranty agreement (if applicable)
- The environmental indemnity (if applicable)
- …and a few more items the skill will ask for as it goes
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"Use the Loan Doc Reviewer skill — I've got the term sheet or commitment letter."
What you get back
A structured report covering term sheet comparison, covenant summary, reserve requirements, cash management, guaranty scope, non recourse carve outs, and restrictive provisions. You get it as readable analysis plus the underlying data, so it can feed straight into a memo or another skill.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
Source & credit
Imported from the open-source cre-agent-skills library by Avi Hacker, J.D. (github.com/ahacker-1/cre-agent-skills), Apache-2.0 license. The author's content is unmodified apart from a legal disclaimer appended at the end of the package. Full credit to the author.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Loan Document Reviewer
Reviews all acquisition loan documents against the term sheet, identifies restrictive covenants and borrower obligations, flags deviations unfavorable to the borrower, and produces a prioritized negotiation agenda.
When to Use This Skill
Use this skill when you have received draft or final loan documents for a CRE acquisition and need to compare them against the agreed term sheet, understand the full scope of borrower obligations, and identify provisions worth negotiating. It is appropriate for any loan type — conventional bank, agency (Fannie/Freddie), CMBS, life company, or bridge — whenever you need a systematic review of the loan agreement, note, mortgage, guaranty, and related documents.
What You'll Need to Provide
- The term sheet or commitment letter (or a summary of agreed loan terms)
- The full loan agreement / credit agreement (or key sections)
- The promissory note
- The mortgage or deed of trust
- The guaranty agreement (if applicable)
- The environmental indemnity (if applicable)
- The cash management or lockbox agreement (if applicable)
- Lender name, loan amount, property address, and deal entity information
- Any financing phase analysis or underwriting outputs already completed
Mission
Review all loan documents for the acquisition financing. Ensure alignment with the term sheet, identify restrictive covenants, flag borrower obligations, and surface any deviations that could adversely affect the borrower. Produce a comprehensive analysis that enables informed negotiation of loan document terms.
Strategy
Step 1: Review Loan Commitment Letter vs. Term Sheet
- Line-by-line comparison of all material terms
- Verify: loan amount, interest rate (fixed/floating, spread, index, floor), maturity date, extension options, prepayment provisions, recourse structure
- Identify any term that changed between commitment and final docs
- Flag any new terms not in the original commitment
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from Avi Hacker, J.D.
Imported from their public repository with attribution. Their other skills, and where to find the original, are on their contributor page.