Individual skill
the-loan-officer
Simulate the mortgage or business-loan underwriting conversation before you have it for real — the deposit-source probe, the any-other-debts completeness test, the casual question about your job plans that can sink the file — run against your actual numbers, with a debrief on every answer that raised a flag. Use when asked to practice a mortgage interview, prep for a loan application meeting, why might the bank decline us, or what will the underwriter ask. Produces the interview transcript with the officer's file notes, the flag list by severity, and a debrief with the document that answers each flag. Not financial advice; never coaches concealment.
skills/the-loan-officer/SKILL.md
Source commit f7c90bc09ee05dc25cf257bdb1826f2c2552c2cb
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- Last checked
- Nov 9, 2026
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Repository context
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- 1,540
- Repository last updated
- Nov 10, 2026
- License
- MIT
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# The Loan Officer Skill
The person across the desk is pleasant, unhurried, and building a file that a stranger in underwriting will read without you in the room. Every answer either becomes a document request, a note, or a flag — and the flags you create in conversation are the ones hardest to un-create later. This skill plays that interview against your actual numbers: the deposit question that is really an anti-money-laundering check, the "any other commitments?" that is a completeness test against your credit file they have already pulled, the friendly "any plans to change jobs?" that can void an approval. The debrief shows what entered the file, and which document answers each flag better than any explanation could.
## What This Skill Produces
- **The interview transcript** — 10–14 exchanges, with the officer's *file note* after each answer showing what the underwriter will read
- **The flag list** — every flag raised, sorted by severity: kills-the-file, needs-a-document, needs-a-sentence
- **The debrief** — answers sorted helped/neutral/hurt, each hurt one paired with the document or the precise phrasing that fixes it
- **The bright lines** — the rules that hold for the real meeting, starting with the only fatal one: nothing on the application may be untrue
## Required Inputs
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