Using Microsoft Copilot to Draft SBA 7(a) Credit Memos: Converting Financial Analysis Into Lender-Ready Credit Narratives — Thurs, June 4

Leveraging AI to Transform Tax Returns, Financial Statements, Cash Flow Analysis, and Credit Ratios Into SBA-Compliant Underwriter Credit Memos

Coleman Professional Webinar Training
Date: Thursday, June 4, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording

Every SBA lender has a process for writing credit memoranda.

The challenge is not producing more analysis. The challenge is to organize borrowers’ financial information into a clear, defensible narrative that supports the credit decision while maintaining consistency across the underwriting process.

Microsoft Copilot is beginning to change how lenders approach that work.

In this Coleman Professional Training session, Bob Coleman will walk through how SBA professionals are using Microsoft Copilot to structure SBA 7(a) credit memo narratives from financial statements, tax returns, debt schedules, and cash flow analysis.

This is not a technology demonstration.

This is a working discussion about how experienced lenders can use AI tools to improve documentation flow, organize underwriting observations, accelerate narrative drafting, and maintain credit discipline while preserving lender judgment.

The session will focus on practical execution inside the SBA lending process.

Participants will review how Copilot can assist with:

• Structuring business operations narratives from borrower financial information

• Organizing ratio analysis and global cash flow commentary

• Summarizing tax return trends and historical performance

• Drafting management and ownership analysis

• Identifying missing documentation and follow-up items

• Standardizing memo formatting across underwriting teams

• Improving consistency between analysts and credit officers

• Reducing time spent converting numbers into a narrative explanation

• Coordinating internal underwriting workflow and documentation review

• Preserving lender credit judgment while using AI-assisted drafting tools

Bob will also discuss where Copilot fits within the existing underwriting structure, where lenders still need direct analytical review, and how institutions are beginning to establish internal guardrails around AI-assisted documentation.

This session is designed for experienced SBA professionals who already understand credit underwriting and want to evaluate how AI tools may fit into their existing process.

AI will not replace experienced SBA lenders.

But lenders who understand how to integrate AI-assisted workflow tools into credit administration may improve consistency, documentation speed, and underwriting efficiency.

This session provides a practical working discussion of how experienced SBA professionals are beginning to approach that transition.

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 818-790-4591.