Coleman AI SBA Underwriter Membership — Learn How to Use AI to Write SBA Credit Memos 

Unlimited Access for all Underwriters for $997 annually

  • Includes Twice-Monthly Teams Call Meetings
  • Library of SBA Credit Memo Prompts
  • Microsoft CoPilot Focus

The Coleman AI SBA Credit Underwriting Group meets twice a month on Microsoft Teams. These are live working sessions for SBA underwriters who have already experimented with AI and are ready to apply it in a disciplined way. Most of you have run prompts through AI platforms and seen flashes of potential. The issue is consistency and compliance. There is a real gap between a useful output and a complete SBA credit memo that meets SOP 50 10 8 standards. 

This group is built to close that gap. We work inside Microsoft Copilot, which operates within your bank’s secure Microsoft 365 environment. 

That matters. Bank regulators are comfortable with Copilot because your data stays within your institution’s controls, it is not used to train external models, and it follows the same security, privacy, and audit frameworks your bank already relies on.

Each session is practical and centered on real deals. This is not a passive session. You are asking questions, adjusting inputs, and seeing how small changes improve credit quality while staying within a controlled, compliant environment. 

The objective is straightforward. Every session should move you closer to producing a full credit memo.

We meet on the first and third Tuesdays at noon Eastern. The format creates accountability and momentum. Most underwriters experimenting with AI do it in isolation, and progress slows. Within this group, you have direct access to Bob Coleman and subject-matter experts, a secure Copilot platform, and a room full of lenders working through the same challenges. Over time, you build a structured prompt library and a repeatable process that fits within your bank’s compliance framework.

Over the coming, you’ll learn how to use AI to generate every major section of the credit memo, including:

  • Borrower Narrative & Management Experience
  • Loan Structure & SBA Eligibility
  • Use of Proceeds
  • Financial Statement Spreading & Ratio Analysis
  • Cash Flow & Global Cash Flow Analysis
  • Collateral Analysis & Valuation Narrative
  • Guarantor Financial Analysis
  • Industry & Projection Analysis
  • Proforma Balance Sheet
  • Equity Injection & Net Worth Analysis
  • Credit History & Public Records
  • SBA-Specific Conditions (Forms 1919, 413, etc.)
  • Strengths, Weaknesses & Credit Elsewhere Narrative
  • Recommendation for Approval

Each of these sections has its own prompt logic, inputs, and SOP 50 10 8 considerations. You’ll learn all of it in a structured, digestible sequence.

Bob Coleman on Why Underwriters Are the Right People to Learn This

“I’ve spent the last year working hands-on with AI — testing, refining, and rewriting prompts until they consistently produced accurate, professional underwriter-level results.

Through that process, I learned an important truth: it’s far easier to teach an experienced SBA loan underwriter how to use AI than to teach a prompt engineer how to underwrite a loan.

Underwriting requires judgment, context, and experience — qualities you already have. My goal with this membership is to give you the AI skills to put that expertise to work faster than ever before.”

The learning in this program is built on that principle. You already know what a good credit memo looks like. This membership teaches you how to use AI to produce one in a fraction of the time.

Start Learning Today

We meet on the first and third Tuesday of every month at 12:00 Eastern for 20 minutes. If you are serious about turning AI into a practical underwriting tool inside your bank, join us. Bring a deal, bring your questions, and start building a process that works. 

Your Investment in the Skill That Defines the Next Generation of SBA Underwriting

Pricing is $997 per institution for one year. This gives your underwriting team access to every session, the full prompt workflow, and a repeatable underwriting process you can apply across your SBA portfolio. If you have multiple underwriters, they can all participate under one registration, so the value compounds quickly across your credit team.

$997 for Annual Membership