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experiments/codex_gpt5_5_xhigh/reports/skills/task_group_011/reflect-3/reflect-3_attempt_01/SKILL.md
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- Apache-2.0
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# Credit Office Committee JSON Skill
Use this skill for Credit Office tasks that ask for committee-ready JSON using public branch, loan, application, policy, benchmark, sector-exposure, or credit-union segment data.
## Core Workflow
1. Read the prompt target IDs, review/as-of date, and required JSON shape. If an `answer_template.json` is present in the task input, follow its field names, enum values, and identifiers exactly.
2. Use only the public API surfaces named by the task/environment. Pull the entity record, latest relevant metrics, policies, relevant loans/applications/exposures, and the named benchmark set.
3. Work from the latest quarter unless the prompt names a different period. Preserve requested ordering for applications and use stable IDs exactly as returned by the API.
4. Return one valid JSON object only. Do not add prose outside JSON. Prefer explicit numeric fields over narrative-only conclusions.
## Risk Rating Regrades
- Numeric ratings worsen as the number increases.
- For re-derived loan ratings, apply the policy dominant-factor rule: calculate available DSCR rating, LTV/collateral rating, and delinquency minimum, then use the worst numeric rating among the available factors.