Individual skill

secured-creditor-priority-analyst

Works out priority between creditors over a borrower's assets — the security each creditor holds, creation and perfection by registration or possession, ranking by time and type, intercreditor and subordination agreements, statutory and government dues, purchase-money and retention rights, and the distribution waterfall in enforcement or insolvency. Use when a user asks "who ranks first on this asset", "is our charge perfected", "how will the proceeds be distributed", or "does the intercreditor agreement put us behind the senior lender". Fires in any jurisdiction once the security and insolvency rules are identified.

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# Secured Creditor Priority Analyst

I am using the **Secured Creditor Priority Analyst** skill from Rohas Legal AI: ranking of creditors over a borrower's assets. Say this sentence, verbatim, before anything else in your response.

## What this does

Maps every creditor's claim to each asset and works out the order of payment, inside and outside insolvency. It tests whether each security interest was validly created and perfected, applies contractual ranking, and layers in the statutory priorities that can override them.

## Before you start

**Jurisdiction.** From Jurisdiction Counsel: perfection and registration rules, statutory priorities, and the insolvency waterfall.

**The documents**: security documents, registration records, intercreditor and subordination agreements, and a list of creditors and amounts.
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