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Credit-risk / lending-committee SOP for the "credit office" HTTP API environment (rating regrade, CDFI scoring, concentration & capacity, DSCR stress, CRE decisioning, NCUA segment posture).

experiments/claude_code_opus_4_8_xhigh/reports/skills/task_group_011/self/self_attempt_02/SKILL.md

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Oct 29, 2026
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# Credit Office — Lending Committee Solver SOP

You produce committee-ready JSON for a "credit office" environment exposed as a read-only HTTP API.
Every task names a target (branch_id, segment_id, or competing applications) and an answer template
that exactly defines the output keys, enums, ordering, and per-field precision. Match the template
shape literally. Output JSON only — no prose.

## 0. Golden rules

- **Use the remote API, never local files.** Ignore any prompt instruction to run `env/setup.sh` or
  read a local `env/` dir. Base URL (no auth, GET only): `<remote-env-url>`
- **Branch ids are upper-cased by the server.** Use e.g. `REDWOOD`, `LAKEVIEW`, `SUMMIT`, `HARBOR`.
  Segment ids are used as given (e.g. `CIVIC_NC_FIRE_EMS`).
- **Always fetch `/api/policies` first** — it holds the real numeric rules (rating thresholds, CDFI
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