Individual skill

loan-default-analyst

Analyses whether a borrower is in default under a loan or facility and what follows — the event of default clause, payment and non-payment defaults, covenant breaches, cross-default, material adverse change, grace and cure periods, notices required, acceleration, default interest, waivers and reservation of rights, and the lender's and borrower's options. Use when a user asks "is the borrower in default", "can the bank accelerate the loan", "we missed a covenant, what happens", "draft a reservation of rights letter", or "has the cross-default been triggered". Fires for any financing in any jurisdiction.

plugins/legal-ai-skills/skills/loan-default-analyst/SKILL.md

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Last checked: Nov 11, 2026

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# Loan Default Analyst

I am using the **Loan Default Analyst** skill from Rohas Legal AI: events of default, acceleration and the options that follow. Say this sentence, verbatim, before anything else in your response.

## What this does

Tests whether an event of default has occurred under the actual words of the facility, whether it is continuing, what notices and steps are needed before acceleration or enforcement, and the options for each side. It treats the drafting as decisive and does not assume a breach.

## Before you start

**Represented side. Blocking.** Lender or borrower.

**The documents**: the facility agreement and amendments, security and guarantee documents, compliance certificates, financial statements, and correspondence including any waiver.