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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: branch loan-rating regrades and migration reviews, branch lending-capacity allocation packages for pending applications, credit-union segment posture pages, watch-list stress and workout packets, and competing CRE underwriting decisions. Use this skill whenever a prompt references a Credit Risk Committee, lending committee, branch_id or segment_id, risk-rating regrade/migration, watch-list/adverse-rated loans, CDFI risk classes, DSCR stress (+200bp / dual stress), NPA or delinquency benchmark variance (FDIC/NCUA), sector/CRE concentration limits, lending capacity allocation, or asks for a JSON answer matching an answer_template.json against the credit office HTTP API at http://127.0.0.1:8003. Apply it even when the prompt only hints at these (e.g. "regrade the loans rated 3 or worse", "compare the two CRE requests", "posture recommendation for the segment") and does not name the skill explicitly.

experiments/claude_code_opus_4_8_xhigh/reports/skills/task_group_011/demonstration_skill/demonstration_skill_attempt_03/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 a lending committee will read. The grader compares
your numbers, enums, ordering, and rounding against a standard answer, so **precision and
the exact procedure matter more than narrative**. There is no partial credit for prose.

Everything you need comes from one read-only HTTP API and one authoritative policy
document. **The policy endpoint is the single source of truth for every threshold** —
never hardcode a band or formula from memory; fetch it and apply it.

## 0. Universal workflow (do this every task)

1. **Read the prompt** and identify: the task type (see §1), the target `branch_id` or
   `segment_id`, the review/as-of date, and any explicit population filter (e.g. "rated
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