Using AI Copilot to Analyze Two Months of Borrower Bank Statements — Tues, July 7
How SBA underwriters use Copilot to identify recurring debt obligations, MCA activity, and cash flow risk
Coleman Professional Webinar Training
Date: Tuesday, July 7
Time: 2:00 p.m. Eastern
Recording and e-certification provided
SBA has instructed lenders that, as of March 1, underwriters must now verify repayment ability using actual bank activity.
That means underwriters are reviewing two months of business bank statements to confirm recurring obligations, operating activity, and cash flow consistency.
And all of it has to be documented in the credit memo.
Reviewing bank statements line by line takes time. Merchant cash advances are not always obvious. Daily ACH withdrawals can get missed. Transfers between accounts can distort actual operating cash flow. Some borrowers move money between multiple accounts every few days.
Most experienced SBA lenders already have a process for handling this review.
The question is whether AI can help underwriters review this activity faster without overlooking risk.
That is what this session examines.
The discussion examines how lenders are beginning to use Microsoft Copilot for recurring debt review, MCA detection, transaction sorting, and documentation of repayment analysis.
Copilot can reduce hours of transaction review down to minutes.
The discussion includes practical examples of how lenders are using Copilot to:
• Identify recurring ACH withdrawals and loan payments
• Detect potential merchant cash advances
• Separate operating deposits from transfers and one-time activity
• Match bank activity against liabilities listed in the application
• Organize large transaction histories faster
• Support repayment ability documentation inside the credit memo
• Standardize portions of the underwriting review process
• Reduce manual spreadsheet sorting and transaction review
The session also addresses where AI still falls short.
Copilot can identify patterns quickly. It cannot make underwriting decisions.
An experienced SBA underwriter still has to determine whether withdrawals represent actual debt obligations, whether deposits reflect stable operating revenue, and whether the borrower’s cash flow supports repayment.
That judgment still matters.
This material is designed for SBA underwriters, credit analysts, credit officers, and lending managers responsible for repayment analysis and SBA credit documentation.
How the Webinar Works
We use Microsoft Teams as the Webinar Platorm
Recording
All Coleman webinars are recorded, and a link is sent to all attendees.
Single Site License
The single-site license grants your institution one viewing of the webinar. It is permissible to use a single-site license on one device in a conference room for multiple attendees to view. The webinar can be viewed on any device.
Multiple Site License
A multiple-site license is an unlimited access pass for anyone at your institution. You will be given a link that anyone in your email domain can use.
Webinar Links and Handouts
The webinar link will be sent out prior to the session, and included again when we send the presentation and handouts.
Participants Earn Certificates of Participation
All Coleman Webinar attendees will receive a certificate of participation. This documents your continuing education history for SBA and your regulators.
Questions
Questions throughout the webinar are strongly encouraged. There are two ways to ask a question. The first is to ask the question via the chat in Microsoft Teams. The second is to send an email to anna@colemanreport.com. Also, feel free to ask pre and post-webinar questions.
The Fine Print
1) Substitutions are allowed at no charge.
2) Cancellations receive a 100% credit for any Coleman product.
3) As with all our products, we offer a 100% money back satisfaction guarantee — no questions asked.
3 Easy Ways to Order
1) ONLINE — Register and pay online via Quickbooks
2) EMAIL –Send an email to cindy@colemanreport.com with “Webinar Registration” in the Subject Line. We will do all the paperwork and either send you a sales receipt or an invoice.
3) PHONE — Call us at 818-790-4591.
Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com