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Private Credit Loan Portfolio Monitor & Covenant Tracker in Excel (DSCR, LTV, Debt Yield, Maturity Ladder, Interest Reserve Runway, Ranked Watchlist)
Test every loan in a CRE or private credit book against DSCR, LTV and debt-yield covenants on one as-of date, flag maturities and thin interest reserves, rank a watchlist automatically and roll the book up to a one-page dashboard. Up to 40 loans, fixed or floating, IO or amortizing. No macros.
| Commercial Real Estate Properties, Debt Fund, Financial Model, Loans and Debt, Real Estate |
| Dashboard, Debt Service Coverage, Excel, Interest Accrual, Loans |
A monitoring workbook for lenders, debt funds and credit teams that hold commercial real estate or private credit loans. Enter each loan once on the Loan Tape and the model tests every loan against its covenants on your as-of date, flags maturities and thin interest reserves, and rolls everything up to a ranked watchlist and a one-page dashboard.
What it covers
- Up to 40 loans; fixed or floating (coupon = MAX(index, floor) + spread); interest-only or amortizing debt service
- Six tests per loan: DSCR, LTV and debt yield against defaults or loan-level overrides, maturity inside your warning window, interest-reserve months left, and risk rating at or above your watch level
- Status per loan: Pass (no flags), Monitor (1 flag), Watchlist (2 or more), with the failed tests named
- Watchlist ranked automatically by number of flags, then funded balance (no macros, no FILTER)
- 12-month interest projection by loan (amortizing loans amortize, loans stop at maturity) and month-by-month interest-reserve burn
- Dashboard: loans, commitments, funded and unfunded, weighted average coupon, LTV and DSCR, flagged loans, watchlist balance, maturing loans, 12-month interest; concentration by property type; maturity ladder; three charts; five integrity checks
Who it is for
Debt fund and bridge lender analysts, family offices with loan books, credit committees preparing monthly monitoring packs.
Sample book
10 fictional loans, $142.0M funded, 4 flagged, 3 on the watchlist.
Files
One .xlsx (Excel 2016+, works in Google Sheets and LibreOffice). Tabs: Start Here, Dashboard, Settings, Loan Tape, Covenant Tests, Interest Projection, Watchlist. Blue-on-yellow cells are inputs; everything else is formula. No macros, nothing hidden or locked.
Built with AI assistance and recalculated with an independent engine: 0 formula errors. Sample data is fictional. A monitoring template, not investment, credit, legal or accounting advice.
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