Individual skill
credit-memo
Write a credit memo for a lending decision: borrower story, facility structure, repayment sources, financial-ratio spread with covenant headroom, risk factors with mitigants, risk-rating rationale, and a recommendation. Use when asked to write a credit memo, credit application, credit paper, loan write-up, or prepare a deal for credit committee. Produces a complete credit memo ready for committee review.
skills/credit-memo/SKILL.md
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# Credit Memo Skill
A credit memo has one job: let a committee member who has never met the borrower decide whether the bank gets its money back. This skill writes that document — the story, the structure, the numbers, and the risks — with the discipline that every risk carries a mitigant or an explicit acceptance, and every rating has a stated rationale.
## What This Skill Produces
- A borrower story (business, ownership, management, why they need the money)
- A facility structure table (amount, tenor, pricing, security, guarantees, covenants)
- Repayment sources: primary, secondary, tertiary — each tested
- A financial-ratio spread with trends and covenant headroom
- Risk factors, each paired with a mitigant or an explicit acceptance
- Risk-rating rationale and a clear recommendation
## Required Inputs