Individual skill
reflect-3_attempt_01
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experiments/claude_code_deepseek_v4_pro_max/reports/skills/task_group_011/reflect-3/reflect-3_attempt_01/SKILL.md
Source commit 5082a777379156a048881e94940d640702e5e09a
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- Matches the observed repository HEAD
- Yes
- Scanner rules are current
- Yes
- Repository scan complete
- No
- Skill scan complete
- Yes
- Observed behavior
- Instructions only
- Last checked
- Nov 6, 2026
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Repository context
- Repository stars (not skill ratings)
- 121
- Repository last updated
- Oct 29, 2026
- License
- Apache-2.0
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SKILL.mdcore · 7,524 bytes
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# Bank Branch Credit-Risk Lending-Committee Skill
## API Workflow
1. Start with `GET /api/manifest` to discover endpoints, benchmark versions, and record counts.
2. `GET /api/policies` for business rules: risk-rating thresholds, CDFI factor scores, CRE scoring weights, stress formulas, concentration policies.
3. Fetch target-branch data: `GET /api/branches/{id}` (metadata, limits), `GET /api/branches/{id}/metrics` (financials — use most recent quarter), `GET /api/branches/{id}/loans` (portfolio), `GET /api/branches/{id}/sector-exposures` (concentrations), `GET /api/branches/{id}/applications` (pending apps).
4. Benchmarks: `GET /api/benchmarks/fdic/q4-2024` and `GET /api/benchmarks/ncua/q1-2025`.
5. Credit-union segments: `GET /api/credit-union-segments/{id}`.
6. Use the base URL from `environment_access.md`; never hardcode localhost.
## Risk-Rating Rules
**Dominant-factor rule:** Final re-derived rating = **worst** (maximum numeric) rating from *available* DSCR, LTV/collateral, and delinquency factors. Skip null factors.
