Credit Memo Skill

A credit memo has one job: let a committee member who has never met the borrower decide whether the bank gets its money back. This skill writes that document — the story, the structure, the numbers, and the risks — with the discipline that every risk carries a mitigant or an explicit acceptance, and every rating has a stated rationale.

What This Skill Produces

• A borrower story (business, ownership, management, why they need the money)
• A facility structure table (amount, tenor, pricing, security, guarantees, covenants)
• Repayment sources: primary, secondary, tertiary — each tested
• A financial-ratio spread with trends and covenant headroom
• Risk factors, each paired with a mitigant or an explicit acceptance
• Risk-rating rationale and a clear recommendation

Required Inputs

Ask for what's missing; from a thin brief, draft with every inferred figure labelled [assumed — verify]: