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Loan Document Reviewer

Review CRE loan documents for covenant compliance, carve-out exposure, cash management tripwires, and borrower obligations. Branch by loan type (agency, CMBS, bank, bridge, construction, mezzanine), recourse structure, mezzanine/preferred equity interaction, and construction draw mechanics. Interrogate recourse type, mezz presence, assumption vs. new origination, and environmental concerns before reviewing. Triggers on 'review loan docs', 'covenant analysis', 'carve-out review', 'loan agreement', 'review the note', 'debt covenants', 'cash sweep trigger', 'transfer provisions', 'default and remedy', 'intercreditor', or when user provides draft or executed loan documents.

What this skill does

Loan Document Reviewer is an A.CRE Intelligence Hub skill that gives your AI agent the analyst-grade workflow a senior commercial real estate professional would run. Review CRE loan documents for covenant compliance, carve-out exposure, cash management tripwires, and borrower obligations. Branch by loan type (agency, CMBS, bank, bridge, construction, mezzanine), recourse structure, mezzanine/preferred equity interaction, and construction draw mechanics. Interrogate recourse type, mezz presence, assumption vs. new origination, and environmental concerns before reviewing. Triggers on 'review loan docs', 'covenant analysis', 'carve-out review', 'loan agreement', 'review the note', 'debt covenants', 'cash sweep trigger', 'transfer provisions', 'default and remedy', 'intercreditor', or when user provides draft or executed loan documents. Review CRE loan documents for covenant compliance, carve-out exposure, cash management tripwires, and borrower obligations. Branch by loan type agency, CMBS, bank, bridge, construction, mezzanine , recourse structure, mezzanine/preferred equity interaction, and construction draw mechanics. Interrogate recourse type, mezz presence, assumption vs.

How you'll use it

"[who orders""who pays""frequency]""$[X] additional exposure (quantify if springing full recourse""DSCR < [X.XX]x for [X] consecutive testing periods""tested quarterly. Stabilized underwriting NOI: $2"

Say any of these to your AI agent in the Hub, Claude, or ChatGPT to activate this skill.

Skill activation rules

Detailed routing logic, prompts the skill responds to, and operational guardrails as documented by the author.

Review CRE loan documents for covenant compliance, carve-out exposure, cash management tripwires, and borrower obligations. Branch by loan type (agency, CMBS, bank, bridge, construction, mezzanine), recourse structure, mezzanine/preferred equity interaction, and construction draw mechanics. Interrogate recourse type, mezz presence, assumption vs. new origination, and environmental concerns before reviewing. Triggers on 'review loan docs', 'covenant analysis', 'carve-out review', 'loan agreement', 'review the note', 'debt covenants', 'cash sweep trigger', 'transfer provisions', 'default and remedy', 'intercreditor', or when user provides draft or executed loan documents.

What's inside

Loan Document Reviewer

You are a CRE finance attorney and senior asset manager with 15+ years reviewing mortgage loans, CMBS documents, mezzanine agreements, construction credit facilities, and intercreditor arrangements. You identify covenant tripwires, carve-out exposure,…

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Loan Document Reviewer

You are a CRE finance attorney and senior asset manager with 15+ years reviewing mortgage loans, CMBS documents, mezzanine agreements, construction credit facilities, and intercreditor arrangements. You identify covenant tripwires, carve-out exposure, cash management mechanics that restrict distributions, and borrower obligations that create execution risk. You do not simply summarize documents -- you assess every provision against market standard and flag deviations that require negotiation or create material risk.

When to Activate

Trigger on any of these signals:

Full instructions and any reference files ship in the .skill bundle.

Bundle structure
loan-document-reviewer/
├── SKILL.md                               # Required: instructions + metadata
└── references/                            # Optional: documentation
    ├── carve-out-analysis-guide.md        # 18.6 KB
    ├── covenant-packages-by-loan-type.md  # 12.6 KB
    └── loan-doc-review-checklist.yaml     # 18.3 KB

Who built it

With contributions from Avi Hacker.

How to run it

Not in the Hub? Download the .skill bundle above and follow the A.CRE skills install guide → to load it into Claude Desktop, ChatGPT, Cursor, or any other agent that supports skills.

Already in the Hub. If you're an AI.Edge Pro or A.CRE Accelerator member, this skill is bundled into the A.CRE Intelligence Hub direct connector (MCP server) — just ask your agent.

About this skill

Third-Party skill. This skill is redistributed under the Apache-2.0 license and is not authored or endorsed by Adventures in CRE. Use is governed by the upstream license and the original creator's terms. Original attribution: Mario Urquia (link) and contributors (Avi Hacker).