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# Credit Office Committee JSON Skill

Use this skill for Credit Office tasks that ask for committee-ready JSON from the public API. Work from the prompt identifiers and the supplied answer template; do not hardcode branch, segment, application, or loan IDs from examples.

## Core Workflow

1. Read the prompt and answer template first. Treat the template as the contract for required keys, enum spellings, ordering, and numeric precision.
2. Pull only the public API surfaces needed by the prompt: manifest, branch details, branch metrics, loans, sector exposures, applications, policies, FDIC benchmarks, NCUA benchmarks, or credit-union segment details.
3. Use the review date to choose the matching branch metric quarter. For 2025-03-31, use 2025Q1 metrics unless the prompt explicitly names another period.
4. Build the answer mechanically from the template:
   - currency and exposures: round to 2 decimals;
   - ratios: decimals rounded to 4 decimals;
   - basis points: `(ratio variance) * 10000`, rounded to 2 decimals;
   - weighted scores: round to the template precision, commonly 1 decimal;
   - reason codes and conditions: use only template enums and sort as requested.