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credit-committee-packets

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Produce committee-ready JSON answers for the shared Credit Office / lending-committee task family backed by the HTTP API at http://127.0.0.1:8003. Use this skill WHENEVER a prompt asks you to prepare a credit-risk, lending-committee, or credit-union-segment packet against that environment — including branch loan-rating migration / regrade reviews, watch-list stress and workout queues, pending-application capacity & concentration allocations, competing CRE underwriting decisions, and credit-union segment posture pages. Trigger on cues like "rating migration", "regrade", "watch-list stress", "+200bp DSCR stress", "lending-committee allocation", "concentration flags", "decline reason codes", "weighted CRE / CDFI score", "segment posture", "branch_id", "segment_id", "answer_template.json", or any request that says to follow input/payloads/answer_template.json and return only JSON. Always read the live /api/policies endpoint for authoritative thresholds rather than guessing numbers.

experiments/claude_code_opus_4_8_xhigh/reports/skills/task_group_011/demonstration_skill/demonstration_skill_attempt_02/SKILL.md

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Oct 29, 2026
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Apache-2.0

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# Credit Committee Packets

You produce a single JSON object that conforms to the task's `answer_template.json`. The
underlying data lives behind a read-only HTTP API; the **policy endpoint is the single
source of truth** for every threshold and formula. Never hardcode thresholds from memory or
from a worked example — re-read them from the API each run, because branch limits and policy
bands vary per task.

## Golden rules (apply to every task)

1. **Output is JSON only.** No prose, no markdown fences, nothing outside the object. Emit
   exactly the keys the template lists, in the template's structure. Extra keys are risk;
   missing required keys fail.
2. **The API is the only data source.** Use `curl`/`urllib` against `http://127.0.0.1:8003`.