Independent concept prototypeFictitious data only · Not a production lending system

QPR Intelligence

Home Builder Finance · Decision Review Studio

Validated v1.0
INDEPENDENT CONCEPTSANITIZED DATA ONLYLocal intake → executive QPR → direct PDF

Turn one HBF monitor into one controlled relationship record.

Select the monthly .xlsx. The app fingerprints it, reads only approved worksheet regions, resolves reporting periods, and normalizes supported history into one traceable snapshot—without uploading or storing the workbook.

Local processing boundary

Workbook bytes stay in this browser tab and are cleared when the page is refreshed. Use the public version only with fictitious data.

Drop the monthly monitor here

or choose the saved .xlsx from your computer

Choose workbook

.xlsx only · 25 MB maximum · no upload

Portfolio intelligence · Executive QPR + controlled PDF

One monitor now becomes one decision-ready review—with every answer one click from evidence.

The validated relationship record now drives a leadership-first QPR, normalized-history charts, the live PM narrative, a read-only source inspector, and a one-click three-page landscape PDF generated locally in the browser. Draft and final status remain governed by the PM review gate.

CONTROLLED WORKFLOW · READY

11

Headline decision metrics

5

Ranked senior-review findings

3

Controlled landscape pages

5,050

Searchable lineage records

Source controls

Safe failures remain part of the product.

✓

Local-only

Workbook bytes are never sent to an application endpoint or retained after refresh.

✓

Allowlisted

Only approved cells from six authoritative sheets enter the source pipeline.

✓

Explicit periods

The review date and subject-specific periods replace unreliable runtime TODAY() selection.

✓

Typed states

Zero, blank, N/A, unavailable, Excel errors, and missing cached results remain distinct.

Frozen source authority

One path. No hidden overrides.

v1.0
  1. 01

    Static terms

    Summary

    Relationship, facility, risk, and approved policy terms.

  2. 02

    Recurring facts

    Five raw tabs

    Banking, tracking, inventory, financials, balance sheet, and covenants.

  3. 03

    Credit logic

    Application

    Deterministic calculations, reconciliation, and materiality.

  4. 04

    Judgment

    Portfolio Manager

    Causality, mitigants, rating rationale, recommendation, and final language.

Strategic reuse

One controlled relationship record—not a one-off report.

The QPR is the first output. The normalized record is deliberately structured for later credit-memo, renewal, amendment, and portfolio use without expanding this V1.

Executive QPR

Available now

Decision metrics, material changes, controlled narrative, and a three-page PDF.

Credit memo

Foundation ready

Reuse identity, facility, financial, covenant, risk, and source-lineage records.

Renewal & amendment

Foundation ready

Carry forward verified facts while isolating transaction-specific changes and approvals.

Portfolio monitoring

Foundation ready

Aggregate validated relationship records without making the workbook a reporting database.