Instead of eyeballing PDFs, drop daily balances into a tracker that compares actual results to borrowers’ projected cash. It takes minutes to set up and sets a higher bar for documentation.

1. Normalize the data

Export transaction histories to CSV and create a pivot that aggregates ending balances by day. Align holidays and missing days so the chart stays accurate.

2. Add expected balance bands

Create upper and lower tolerance bands (±15%) around the borrower’s forecast. Any day outside the band deserves a quick note explaining the driver.

3. Layer in deposit categories

Tag inflows by customer or channel so you can pinpoint which clients drive volatility. This becomes a talking point if concentration risk creeps up.

4. Log commentary as you go

Leave short notes inside the tracker whenever balances swing. When the deal hits approval, you already have the narrative of what happened and why.