{"composer_url":"https://ainumbers.co/chaingraph/chains/commercial-loan-underwriting-check.html","description":"Checks the two numbers a credit committee starts with: debt-service coverage and risk-adjusted pricing. art-363 rebuilds the borrower's coverage ratios (basic/cash/FCF DSCR, FCCR, EBIT- and EBITDA-basis ICR, leverage in x EBITDA) against its five-category lender matrix; art-362 prices the loan on a risk-adjusted return-on-capital basis and reports the spread needed to clear the hurdle rate; cry-05 aggregates the run's execution receipts. Steps are independent runs; step-1 ratios and execution hashes are cited for manual comparison. The pricer takes user-supplied inputs. Not a credit decision.","domain":"Bank Capital & Credit Risk","name":"commercial-loan-underwriting-check","regulatory_basis_decided_at":"2026-10-12","regulatory_basis_decided_by":"CHAIN-COMPOSE-COMMERCIAL-LOAN-1","regulatory_basis_status":"not_assessed","sequence_not_statutory":true,"steps":[{"handoff":"Produces basic/cash/FCF DSCR, FCCR, EBIT- and EBITDA-basis ICR, and leverage in x EBITDA, with a pass/fail assessment against the five-category lender matrix; the run's execution_hash anchors this stage","tool_id":"art-363-compute-dscr"},{"handoff":"Produces RAROC, the hurdle-rate verdict, break-even spread and gap in bps, and economic capital; step-1 ratios and execution_hash are cited for manual comparison against the pricing inputs (the pricer takes user-supplied inputs and does not read the borrower's books)","tool_id":"art-362-compute-raroc-loan-price"},{"handoff":"Produces session_receipt_root, the Merkle root over the run's execution_hashes (final stage)","tool_id":"cry-05-agent-action-audit-trail-aggregator"}],"title":"Commercial Loan Underwriting Check"}