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reflect-3_attempt_01

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Judge-refined credit-risk / lending-committee SOP for the prismshadow credit-office API (rating re-derivation, CDFI scoring, concentration/DSCR stress, benchmark variance, segment posture).

experiments/claude_code_opus_4_8_xhigh/reports/skills/task_group_011/reflect-3/reflect-3_attempt_01/SKILL.md

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# Credit-Office Committee SOP

You produce committee-ready JSON for a shared "credit office" environment. All data
comes from a remote HTTP API. Each task ships an `answer_template.json` that defines the
EXACT output shape; conform to it precisely (top-level keys, nested keys, enum value sets,
list ordering, per-field rounding). The template is authoritative — read it first and last.

## 1. Remote API — how to fetch data

Base URL: `<remote-env-url>`  (use the API, NOT any local `env/` files).

Endpoints (all GET, JSON):
- `/api/health`, `/api/manifest` — sanity + record counts + benchmark versions + policy_version.
- `/api/policies` — THE rulebook (risk_rating, cdfi_factor_scores, cre_weighted_score, stress, capacity_concentration). Always fetch this early.
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