You know the drill. A new deal comes in or a loan is being assumed, and someone needs a clean amortization schedule before anything else can move. You open Excel, lay out periods, and double check formulas that always feel one cell away from breaking. The issue is not the math. It is the time and the risk of small errors across dozens of periods, especially with interest only, floating rates, or a balloon. This task cuts the setup and gives you a schedule you can trust and edit. Underwriting ~5 min to run Build a Loan Amortization Schedule Vic prompt Use Vic to build a loan amortization schedule for a $12 million floating-rate loan on a 250,000 sf industrial property with quarterly payments, a 24-month IO period, and a balloon at year 7. Purpose Accurate amortization detail supports underwriting, assumption analysis, and lender reporting. The task takes about 5 minutes instead of the 60 minutes a manual build requires. Inputs Loan Document Optional Loan Terms Optional Outputs An editable Excel file with an inputs block, the complete period-by-period schedule, key metrics, and a summary of results. Time saved Turns roughly an hour of manual work into about five minutes. How it works You give Vic the loan terms or the loan document. That can be a short description of principal, rate type, payment frequency, and term, or a detailed set of terms from a credit agreement. Vic returns an Excel file with a clear inputs block, a full period by period schedule, and a summary of key results. Run it with a single command: Use Vic to build a loan amortization schedule for a $12 million floating-rate loan on a 250,000 sf industrial property with quarterly payments, a 24-month IO period, and a balloon at year 7. The output is an editable workbook. At the top, an inputs section captures the core terms so you can tweak assumptions without digging through formulas. Below, the schedule runs period by period with beginning balance, interest, principal, and ending balance. Interest only periods flow cleanly, then the model shifts into amortization without any patchwork. More complex features are built in. Floating and fixed rates are both supported. Day count conventions sit inside the schedule so accruals match the loan structure. Curtailments can be added without breaking the roll forward. Balloon payments are calculated at the end of term and tie to the remaining balance. The file also includes borrower and lender metrics that often live on a separate tab. APR, duration, and average life are included and tied directly to the schedule. That matters when you compare structures or explain the loan to a partner or credit committee. Built in checks flag issues so you are not hunting for a broken link across 80 rows. This is useful across roles. Underwriters can drop it into a model and move on. Acquisition analysts can test assumptions for a loan they are stepping into. Debt originators can standardize how they present structures. Asset managers can use the same file for ongoing reporting instead of rebuilding schedules every time terms change. The bigger point is consistency. Most shops have half a dozen versions of an amortization template, each with small differences and hidden quirks. This gives you a clean starting point every time, with the same structure, the same metrics, and the same checks. You still control the Excel file, but you are not rebuilding the basics. It runs in about five minutes and replaces an hour of manual work. More important, it cuts the chance that a small formula error carries through your underwriting or lender reporting.