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."