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credit-office-json

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Use this skill for credit office committee tasks that require JSON answers from the shared public API, including branch loan regrades, watch-list stress packets, pending application allocation, competing CRE decisions, FDIC or NCUA benchmark variance, concentration flags, CDFI factor scores, and schema/enums in answer_template.json. Trigger whenever the prompt mentions TASK_ENV_BASE_URL, branch_id, segment_id, credit policy, lending committee, or committee-ready JSON from a credit-office API.

experiments/codex_skill_creator_comparison_gpt5_5_xhigh/reports/skills/task_group_011/fewshot/cc/fewshot_attempt_03/SKILL.md

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Oct 29, 2026
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# Credit Office JSON Solver

Use this skill when a task asks for a committee-ready JSON answer from the shared credit office API. These tasks are data-reconciliation problems: fetch the public records, apply the public policy formulas, and shape the answer exactly to `input/payloads/answer_template.json`.

## Required Workflow

1. Read the prompt and `input/payloads/answer_template.json` completely before fetching data.
2. Use the API base URL from the task runner, usually `TASK_ENV_BASE_URL`; if the prompt gives a literal base URL, use that. Do not read local task-environment data files.
3. Fetch `GET /api/manifest` and `GET /api/policies` first. Treat policy payloads as authoritative if they differ from this skill's remembered formulas.
4. Fetch only public endpoints needed by the prompt:
   - Branch tasks: `/api/branches/{branch_id}`, `/api/branches/{branch_id}/metrics`, `/api/branches/{branch_id}/loans`, `/api/branches/{branch_id}/sector-exposures`, and `/api/branches/{branch_id}/applications` as applicable.
   - Bank benchmark tasks: `/api/benchmarks/fdic/q4-2024`.
   - Credit-union segment tasks: `/api/credit-union-segments/{segment_id}` and `/api/benchmarks/ncua/q1-2025`.
5. Build a small scratch derivation table before composing the final JSON. Check totals, ratios, ordering, and enum spellings against the template.
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