Using Microsoft Copilot for SBA Credit Memos: How to Turn Financial Data Into Credit Narrative — Wed, Aug 12

Coleman Professional Webinar Training
Date: Wednesday, August 12, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording

Every SBA lender has a process for analyzing borrower financial information and documenting repayment ability.

The challenge is turning income statements, balance sheets, cash flow data, ratios, and financial trends into a clear credit narrative without losing the judgment behind the numbers.

Microsoft Copilot can assist with that process.

This Coleman Professional Training webinar shows how SBA lenders can use Copilot to organize financial information, compare operating results, identify trends, calculate ratios, and prepare a draft credit memo narrative.

The session focuses on practical execution.

How should financial information be presented to Copilot?

Which prompts produce useful analysis?

How should the underwriter review the results?

Where does Copilot save time, and where must the lender rely on professional judgment?

Using a practical borrower example, Bob Coleman will demonstrate how Copilot can move from financial data to a structured cash flow analysis. The demonstration will include financial comparisons, ratio analysis, operating trends, credit weaknesses, and a draft repayment narrative.

Copilot can assist with the preparation.

The SBA lender remains responsible for verifying the numbers, evaluating the risks, and making the credit decision.

What You Will Learn

Attendees will learn how to:

• Safely use Copilot in a secure environment
• Structure borrower financial information for Copilot analysis
• Compare income statements and balance sheets across multiple periods
• Calculate and review key financial ratios
• Identify changes in revenue, margins, expenses, liquidity, leverage, and cash flow
• Convert financial results into clear credit memo narrative
• Identify inconsistencies, missing information, and potential credit weaknesses
• Review Copilot output for calculation errors and unsupported conclusions
• Combine Copilot assisted analysis with your independent underwriting judgment

Live Demonstration

The webinar includes a live demonstration of how Microsoft Copilot can assist with preparing a cash flow analysis section for an SBA credit memorandum.

The demonstration will show the process from financial data through draft narrative, including the prompts used, the analysis produced, and the lender review required before the narrative is placed in the credit file.

The session will also address borrower confidentiality, internal controls, and the importance of using only institution-approved Copilot applications.

Who Should Attend

This training is designed for SBA 7(a) and 504 underwriters, credit analysts, loan officers, credit managers, SBA department managers, and lending executives evaluating the use of Microsoft Copilot in the credit process.

Takeaway Materials

Participants will receive:

• Microsoft Copilot prompt templates for financial analysis

• A financial ratio analysis prompt

• A sample Copilot assisted cash flow narrative

How the Webinar Works

We use Microsoft Teams as the webinar platform.

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 818-974-8934.