A comprehensive AI skill for managing complex loan origination across commercial, construction, and reverse mortgage sectors.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install loan
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install loan using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Loan Origination Skills?
This skill empowers AI agents to handle the end-to-end lifecycle of specialized lending. From initial deal qualification and financial spreading in the commercial sector to managing intricate draw schedules for construction projects, this toolkit ensures technical precision. By leveraging Openclaw Skills, users can automate the heavy lifting of credit analysis, document validation, and borrower education.
The skill is built to bridge the gap between technical underwriting requirements and borrower-facing communication. Whether you are navigating DSCR calculations for a multifamily asset or explaining principal limit factors for a HECM loan, this skill provides the structured logic necessary for high-stakes financial operations.
Loan Origination Skills Use Cases
- Qualifying and sizing commercial real estate loans using DSCR and LTV metrics.
- Managing construction loan budgets, contractor bids, and milestone-based draw schedules.
- Facilitating reverse mortgage (HECM) education, counseling coordination, and compliance tracking.
- Automating the spreading of financial statements and tax returns for credit narratives.
- Coordinating third-party due diligence including appraisals, environmental reports, and title searches.
How Loan Origination Skills Works
- Data Intake: The skill ingests borrower financial data, property details, or construction budgets.
- Analysis & Sizing: It performs automated calculations for loan-to-value, debt service coverage, and interest reserves.
- Risk Assessment: The agent identifies feasibility issues or budget variances early in the process.
- Document Orchestration: It organizes required disclosures, lien waivers, and third-party reports into a clean underwriting package.
- Stakeholder Communication: The skill generates status updates and term sheets for borrowers, builders, and underwriters.
Loan Origination Skills Setup
To integrate these loan origination capabilities into your agent, install the package via the CLI:
openclaw install loan-origination-skills
Configure your financial analysis thresholds in the config.yaml file to align with your specific lending credit box.
Loan Origination Skills Data Schema & Taxonomy
The skill maintains a structured taxonomy for financial and property data to ensure compliance and auditability.
| Data Category | Key Elements Included |
|---|---|
| Credit Analysis | DSCR, LTC, LTV, Global Cash Flow, Debt Yield |
| Construction | Draw Schedules, Lien Waivers, Change Orders, Inspection Reports |
| HECM Metrics | Principal Limit Factors, Tenure/Term options, Occupancy Status |
| Due Diligence | Appraisal values, Phase I Environmental, Title Commitments |
Loan Origination Skills Advanced Features
- Multi-agent support for concurrent coordination between builder, title, and lender.
- Automated sensitivity analysis under varying interest rate and occupancy scenarios.
- Proactive risk escalation hooks for budget overruns or credit score migrations.
- Seamless integration with external fintech APIs for real-time tax return spreading.
- Customizable compliance workflows tailored to specific state or federal lending regulations using Openclaw Skills.
SKILL.md
Loading
Related Openclaw Skills
AI Trading Consortium
An AI-powered hedge fund system that orchestrates multi-expert trading strategies and legendary investor personas to deliver institutional-grade stock analysis.
OpSec Guide for AI Agents
A vital operational security field guide designed to prevent PII leaks and security failures during AI agent autonomous execution.
M10 Blockchain Agent
M10 Blockchain Agent enables natural language querying of over 5.8 billion indexed blockchain records and live chain states across major networks.
Claw Design
An AI-driven design engine that converts natural language prompts into professional presentations, charts, and architectural diagrams.
TubeLab YouTube Analytics & Research API
A powerful API for deep YouTube market research, enabling developers to find viral outliers, analyze channel metrics, and perform AI-driven niche discovery.
Indexy Agent Skill
Indexy enables AI agents to create, manage, and analyze cryptocurrency indices and ETF-style portfolios with professional-grade KPI metrics.
Featured*
