Insurance Premium Audit Spreadsheet

I need a single, well-structured spreadsheet that lets me pull data from our in-house bank records (entered manually) and automatically compare the premium amounts collected against the figures agreed with the underwriter. From that same data set the file should:

• Flag any variance between collected and expected premiums
• Roll the confirmed figures into a clean monthly summary tab that totals each premium class and shows an overall month-end figure
• Generate a ready-to-send report for the underwriter each month (ideally formatted so I can PDF it straight from the sheet)

At this stage the only source you have to deal with is the manually entered bank records—no extra validation rules are required beyond the standard accuracy that comes with solid formulas and clear cell protection. As our process matures, I may add other data feeds later, so please structure the workbook so additional connections (CSV import or direct database links) can be slotted in without a full rebuild.

Deliverables
1. Fully functional spreadsheet (Excel preferred) with all formulas, pivot tables or Power Query steps documented in-file
2. Step-by-step notes so I can update the source data, refresh the monthly view, and export the underwriter report without extra help
3. A quick test run using dummy data to prove the variance check and month-end totals work as described

If you have experience building audit or reconciliation tools in Excel, this should be straightforward. Let’s keep the file lean, intuitive, and ready for future data sources.