Skill: henrijoe20/corporate-credit-memo (version 1.0.0)

--- name: corporate-credit-memo version: 1.0.0 description: > Generates institutional-grade corporate credit application memoranda (Credit Memos) in English from uploaded annual reports, financial statements, or user-provided financial data. Use this skill whenever a user wants to produce a bank credit memo, credit application, lending assessment, due diligence report, borrower analysis, or loan approval document — whether for general corporate lending, bilateral loans, club deals, or syndicated facilities. Also triggers for requests like "analyse this company for a loan", "write up a credit paper", "prepare a credit committee memo", "assess this borrower", or "draft a credit application for [company name]". Designed for banking professionals including credit analysts, relationship managers, risk officers, and CROs. Applies UK/international banking standards with awareness of PRA supervisory expectations. homepage: https://github.com/henrijoe20/corporate-credit-memo tags: - finance - banking - credit - due-diligence - risk metadata: clawdbot: emoji: "🏦" requires: env: [] files: ["references/*", "assets/*"] # Security manifest: # Environment variables accessed: none # External endpoints called: web search only (read-only) # Local files read: references/credit-memo-structure.md, references/financial-ratios.md, # references/risk-framework.md, assets/disclaimer.md # Local files written: output .docx only # No shell execution, no API keys required --- # Corporate Credit Memo Skill Produces full institutional-grade Credit Application Memoranda (20–30+ pages) from uploaded financial documents and user-provided deal parameters. Output follows the 8-section structure used by major international banks, with all financial ratios calculated and flagged where data is insufficient. --- ## Step 1 — Intake & Clarification When triggered, immediately check what the user has provided. Do NOT ask multiple questions at once. Follow this sequence: ### 1a. Check for uploaded files If annual reports / financial statements are attached → proceed to Step 2. If nothing is attached, ask: > "Please upload the company's annual reports (last 2–3 years, PDF or Word). If you don't > have them, paste the key financials and I'll work with those." ### 1b. Collect deal parameters (ask once, in a single message) Once files are confirmed, ask the user to confirm or provide: ``` 1. Borrower legal name 2. Facility type & amount (e.g. GBP 50m term loan / USD 120m revolving credit) 3. Tenor (e.g. 3 years, 5 years) 4. Purpose of loan (working capital / capex / refinancing / acquisition) 5. Security / guarantee structure (if known) 6. Repayment profile (bullet / amortising / quarterly) 7. Pricing (if known — e.g. SONIA + 250bps) 8. Lending bank / branch name 9. Any internal policy or industry classification to reference? (If unsure, leave blank — I will note it as [TO BE CONFIRMED]) ``` Tell the user: > "Items marked [TO BE CONFIRMED] will be flagged in the report for your team to complete — > including RAROC, internal limits, and any policy-specific thresholds." --- ## Step 2 — Document Extraction Read all uploaded files carefully. Extract and organise: **From financial statements (P&L, Balance Sheet, Cash Flow):** - 3 years of annual data + latest interim period if available - All line items needed for ratio calculation (see `references/financial-ratios.md`) - Auditor name and opinion type (unqualified / qualified / emphasis of matter) - Reporting currency and any FX translation notes **From the annual report narrative:** - Business description, segment breakdown, revenue mix - Key customers and suppliers (concentration risk) - Management team and ownership structure - Geographic footprint - Material litigation, contingent liabilities, off-balance-sheet items - ESG disclosures if present **Flag clearly** any data that is: - Missing → label `[DATA NOT AVAILABLE — please provide]` - Restated vs prior year → note the restatement - Unaudited → label `[UNAUDITED]` --- ## Step 3 — Research (Web Search) Use web search to supplement document data for: - Industry overview: market size, growth rate, cycle positioning - Regulatory / policy environment relevant to the borrower's sector - Competitive landscape: 2–3 named peers with approximate market share - Recent news on the company (last 12 months): M&A, rating actions, management changes - Macroeconomic context relevant to the jurisdiction and sector Do NOT fabricate specific figures. If web search returns insufficient data, note: > "[Industry data limited — recommend analyst review / Bloomberg supplement]" --- ## Step 4 — Calculate Financial Ratios Read `references/financial-ratios.md` for all formulas and flag logic. Calculate every ratio for each available year. Apply the following flag rules: - ✅ Calculated successfully → show figure - ⚠️ Calculated but at borderline threshold → show figure + note - 🔲 Data insufficient → show `[N/A — data required]` - 📋 Requires internal input → show `[TO BE CONFIRMED — internal policy]` RAROC and internal capital allocation are always `[TO BE CONFIRMED]`. DSCR denominator must match the proposed repayment schedule — confirm with user if unclear. --- ## Step 5 — Draft the Credit Memo Read `references/credit-memo-structure.md` for the full 8-section structure and content requirements for each section. ### Drafting principles: - Write in formal institutional English — consistent with major UK/international bank standards - Tone: analytical, direct, no marketing language - Every material statement should be traceable to either the uploaded documents or web search - Clearly distinguish facts from analytical judgements - Use tables for all financial data — never prose for numbers - Section headers must match the structure in `references/credit-memo-structure.md` exactly - Flag all `[TO BE CONFIRMED]` items inline — do not omit them or leave blank - Do not invent internal policy figures (hurdle rates, limits, RWA) — always flag these ### Risk section (Section 6): Read `references/risk-framework.md` before drafting. Assign a risk rating (Low / Medium / High) for each risk category with a one-line rationale. This section reflects the analytical approach expected of a senior risk function, consistent with PRA supervisory expectations for credit risk governance. ### Disclaimer: Append the standard disclaimer from `assets/disclaimer.md` at the end of every report. --- ## Step 6 — Output as Word Document (.docx) Generate the final report as a formatted .docx file using the docx skill conventions: - Font: Arial throughout - Colour scheme: dark navy headers (#1F4E79), mid-blue subheadings (#2E75B6) - All financial tables: dark navy header row, alternating white/light-blue rows - Info tables (deal terms, company details): two-column label/value format - Risk rating boxes: colour-coded text (green=Low, amber=Medium, red=High) - Page header: "Credit Application Memorandum | Confidential — Internal Use Only" - Page footer: document date + page number - Cover page: borrower name, facility type, amount, date, classification label Present the .docx file to the user when complete. Also offer a brief verbal summary of the key credit highlights and top 3 risks. --- ## Quality Checklist (run before presenting output) Before finalising, verify: - [ ] All 3 years of financials extracted and populated in tables - [ ] Every ratio in `references/financial-ratios.md` either calculated or flagged - [ ] No internal policy figures invented (RAROC, RWA, limits) - [ ] Risk section has a rating for each of the 7 categories - [ ] All [TO BE CONFIRMED] items visible and not hidden - [ ] Disclaimer appended - [ ] Document is .docx format, not markdown --- ## Handling Edge Cases **Listed company:** Extract financials from uploaded annual report. Use web search for stock performance context and peer comparison. Note exchange and ticker. **Unlisted / private company:** Flag absence of public ratings. Rely on audited accounts. Note that valuation of pledged equity (if any) requires independent appraisal. **Holding company borrower / SPV:** Distinguish between holdco and opco financials. Analyse guarantor separately. Note structural subordination risk. **Insufficient financials (only 1 year available):** Complete what is possible. Note that trend analysis is limited and recommend additional data before credit approval. **Chinese-language source documents:** Extract data from tables regardless of language. For narrative sections, translate key disclosures as needed. Note source language. **M&A / acquisition finance:** Produce pro-forma combined financials. Separate target and acquirer analysis. Reference `references/credit-memo-structure.md` Section 1 addendum for transaction analysis structure.


Security scan verdicts — ClawScan: clean | static analysis: clean | VirusTotal: clean | SkillSpector: clean (LOW)