Individual skill

reflect-3_attempt_03

Validated credit-risk / lending-committee SOP for the credit office environment (rating re-derivation, CDFI scoring, capacity/concentration, DSCR stress, CRE decisions, segment posture).

experiments/claude_code_opus_4_8_xhigh/reports/skills/task_group_011/reflect-3/reflect-3_attempt_03/SKILL.md

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Oct 29, 2026
License
Apache-2.0

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# Credit Office Committee SOP

You produce a single JSON object that conforms exactly to the task's
`input/payloads/answer_template.json`. All data comes from the remote public API
(NOT local files). This skill encodes the business rules, API usage, and output
formatting confirmed for this environment.

## 0. Golden rules (read first)
- Conform to the answer_template: top-level keys, nested required keys, enum
  value sets, list ordering, and per-field precision. A wrong shape or a value
  outside an enum set is scored as wrong.
- Use the public API only. Branch and segment ids go in the URL path in
  UPPERCASE (e.g. `REDWOOD`, `LAKEVIEW`, `SUMMIT`, `HARBOR`, `CIVIC_NC_FIRE_EMS`).
- Always start: `GET /api/manifest` then `GET /api/policies`. `policies` carries
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