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loan-covenant-review

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Run a quarterly loan covenant compliance review: covenant table with required vs actual vs headroom, trend and trajectory-to-breach analysis, waiver and amendment options with pricing implications, early-warning indicators, and a watch-list recommendation. Use when asked to review covenant compliance, check covenant headroom, assess a potential covenant breach, or prepare a quarterly borrower monitoring review. Produces a structured covenant review with headroom table, trajectory analysis, and recommended actions.

skills/loan-covenant-review/SKILL.md

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Nov 9, 2026

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Nov 9, 2026
License
MIT

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# Loan Covenant Review Skill

Covenants are the bank's smoke detectors — but only if someone reads them as trends, not snapshots. This skill runs the quarterly discipline: where is each covenant now, which direction is it moving, when does the trend cross the line, and what do we do before it does.

## What This Skill Produces

- A covenant compliance table: required vs actual vs headroom, with trend
- Trajectory-to-breach analysis for any tightening covenant
- Waiver/amendment options with typical pricing implications
- Qualitative early-warning indicators checked
- A watch-list / risk-grade recommendation

## Required Inputs
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