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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 (bank branches and credit-union segments served by the HTTP API at http://127.0.0.1:8003). Use this skill whenever a prompt asks you to prepare a JSON deliverable for a Credit Risk Committee / lending committee about a branch_id or segment_id and one of these jobs: re-derive/migrate loan risk ratings, build a watch-list stress packet (+200bp DSCR stress, CDFI risk classes, workout queue), allocate pending applications against quarterly lending capacity with concentration flags and decline reason codes, compare competing CRE applications with weighted scoring, or write a credit-union segment posture page from NCUA benchmarks. Trigger on terms like rating migration, NPA benchmark, material downgrade, watch-list, adverse-rated, CDFI risk class, DSCR stress, lending capacity allocation, concentration ceiling, sector breach, decline reason codes, CRE weighted score, segment posture, escalation triggers — even when the word "skill" is not used. Always conform to the supplied answer_template.json shape and the authoritative policy endpoint.

experiments/claude_code_opus_4_8_xhigh/reports/skills/task_group_011/demonstration_skill/demonstration_skill_attempt_01/SKILL.md

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Oct 29, 2026
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Apache-2.0

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# Credit Committee Packets

You author one JSON object that exactly matches the task's `answer_template.json`, computed from a live
read-only HTTP API. The API is the **single source of truth**; the policy endpoint holds the authoritative
thresholds. Do not invent numbers, do not read local files, and emit **only** the JSON (no prose) unless the
prompt says otherwise.

This skill covers five recurring task types. They share one toolkit (the same API, the same policy, the same
risk-rating / stress / scoring math). Read this body, then open the matching section of
`references/task_playbooks.md` for the exact output shape and a worked, validated procedure.

## 0. Always do these first

1. **Read the answer template.** It is the contract. Match every required key, every enum value, every
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