Individual skill

lending-risk-brief

Write a portfolio-level lending risk brief: concentration analysis by sector, geography and single name, vintage performance, migration matrix narrative, macro-sensitivity scenarios, top watch names, and actions. Use when asked to write a portfolio risk report, credit risk committee brief, loan book review, or quarterly portfolio quality update. Produces a structured risk brief with concentration tables, migration narrative, scenario read, watch list, and recommended actions.

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Nov 9, 2026
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# Lending Risk Brief Skill

A loan book fails in patterns before it fails in names. This skill writes the portfolio-level brief that makes the patterns visible: where the book is concentrated, which vintages are misbehaving, which way the grades are migrating, what the macro could do to it, and which names need decisions now.

## What This Skill Produces

- Concentration analysis: sector, geography, single-name — each against limits
- Vintage performance comparison
- A migration-matrix narrative (not just the matrix)
- Macro-sensitivity scenarios (base / adverse / severe) with named transmission channels
- A top-10 watch-names table
- Recommended actions with owners

## Required Inputs
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