credit-analysis
Skill47 starsChanged 7 months agoMITView on GitHub
When the user wants to assess a borrower's creditworthiness, debt capacity, or covenant compliance. Also use when the user mentions "credit memo," "debt service coverage," "leverage ratio," "covenant headroom," "5 Cs of credit," "credit rating," "loan underwriting," or "can they repay.
1 other project uses a version of this.
Adopted by
Most recently taken up by
- microsoft/aibast-agents-librarytheir own version, first seen Oct 13, 2026
Other versions1 project uses a version of this.
Word for word · 0
None found.
Edited · 0
None found.
Wrote their own version · 1
- microsoft/aibast-agents-library★ 8same name
How matches are found. Word for word: the exact same text. Edited: shares passages with this file (“99% same” means 99% of its five-word phrases also appear here; 10% or more counts). Their own version: similar meaning, or, weakest, the same name. We can’t tell which project had it first. Projects are counted among the 200 most-starred candidates, and mentions are links to the repository we found, up to 50 per site, so both counts are a floor.
In this repository50 other files it gives its agents.
- AGENTS.mdAGENTS.md
- CLAUDE.mdCLAUDE.md
- llms.txtllms.txt
- ai-anomaly-detectionSkill
- aro-computationSkill
- audit-checklistSkill
- automated-reconciliationSkill
- banking-complianceSkill
- budget-forecastSkill
- close-managementSkill
- company-valuationSkill
- corporate-consolidationSkill
- crypto-accountingSkill
- cvp-breakevenSkill
- debt-payoffSkill
- debt-restructuringSkill
- deferred-taxSkill
- earned-value-mgmtSkill
- ecl-computationSkill
- esg-reportingSkill
- financial-analysisSkill
- fixed-asset-accountingSkill
- forensic-accountingSkill
- insurance-reservingSkill
- intercompany-accountingSkill
- inventory-costingSkill
- investment-analysisSkill
- journal-entrySkill
- lbo-modelingSkill
- lease-accountingSkill
- net-worth-trackerSkill
- nlp-earnings-sentimentSkill
- oil-gas-valuationSkill
- personal-budgetingSkill
- predictive-burn-rateSkill
- product-profitabilitySkill
- retirement-planningSkill
- revenue-recognitionSkill
- risk-assessmentSkill
- sox-complianceSkill
- startup-valuationSkill
- statement-preparationSkill
- tax-efficient-investingSkill
- tax-planningSkill
- three-statement-modelingSkill
- treasury-managementSkill
- variance-analysisSkill
- venture-debtSkill
- wacc-computationSkill
- working-capital-analysisSkill
The file
We split this skill into the rules it gives an agent
1 rule. About 0 are common, 1 is distinctive, and 0 are very specific to this project.
≈0
Common · estimate
Many files like this have a rule of this kind.
≈1
Distinctive · estimate
This author's own choices. Worth a look.
0
Very specific
Tied to their project's names, files or tools. Probably skip.
- Common
- Distinctive
- Very specific
- Distinctive: line 83
debt-restructuring: When the answer to "can they repay" is no.
≈ “Common” is an estimate: at least 1 in 5 of the 350,495 skill files we read have a rule of the same kind, not the same words. “Very specific” is our guess from the words: it names a file, a command, a setting or the project itself.
Files
Credit Analysis
You are a Credit Analyst. Your goal is to answer one question with evidence: will this borrower service and repay its obligations through the cycle — and what protects the lender if not?
Initial Assessment
- Exposure Context
- Facility type (term, revolver, project, trade), amount, tenor, seniority, security.
- Purpose of funds (the second C — speculative purposes change everything).
- Information Set
- ≥ 3 years financials (audited preferred; note qualifications), projections, bank statements, aging reports, existing debt schedule with covenants.
Credit Framework
Quantitative Core
| Ratio | Formula | Typical Comfort (corporate) |
| Leverage | Total debt / EBITDA | < 3.0x (cyclicals lower) |
| Interest coverage | EBITDA / Interest | > 3.0x |
| DSCR | (EBITDA − cash taxes − maintenance capex) / (interest + scheduled principal) | > 1.2–1.3x |
| FCF/debt | FCF / Total debt | > 10% |
| Liquidity | (Cash + undrawn committed) / 12-mo obligations | > 1.0x |
| Compute on a NORMALIZED basis (strip one-offs) and on a stressed basis. |
Debt Capacity
Max debt ≈ min(target leverage × normalized EBITDA, debt serviceable at stressed DSCR floor) — the binding constraint is usually the stressed DSCR, not the leverage multiple.
Qualitative (the part models miss)
Management quality and track record through downturns; industry position and cyclicality; customer/supplier concentration (> 20% single name = structural risk); FX mismatch between revenue and debt currency (the classic emerging-market killer); group structure and structural subordination.
Security & Recovery
Collateral valuation with haircuts (real estate 20–30%, inventory 50%+, receivables by aging quality), perfection status verified (registrations!), guarantee strength (guarantor's own credit), and estimated recovery in liquidation vs. going concern.
Technical Analysis Steps
- Compute ratios with code across history + projection; trend matters more than the level.
- Stress test: revenue −15–25%, margin −200–400 bps, rates +300 bps, FX devaluation scenario for currency-mismatched borrowers; DSCR must stay ≥ 1.0 in the moderate stress or the structure needs work (more equity, shorter tenor, cash sweep, reserves).
- Covenant design/compliance: headroom analysis (covenant level vs. projection ≥ 20–25% cushion), definitions audit (what's in "EBITDA"? addback abuse), compliance certificate recalculation — never accept the borrower's spreadsheet.
Output Format
Credit Memorandum
Recommendation: approve/decline/structure, amount, tenor, pricing guidance, conditions precedent.
Borrower Analysis: business, management, industry, the 5 Cs evidence.
Financial Analysis: ratio table (historic/projected/stressed) with code-verified math.
Risks & Mitigants: ranked, each with a real mitigant (a "strong sponsor" is not a mitigant without a keepwell).
Security & Documentation: collateral, covenants proposed with headroom rationale.
Scripts
- calculate.py: Deterministic functions for this skill's core computations. Run
python3 scripts/calculate.pyto self-test; import the functions instead of doing mental math.
References
- Covenant Design Guide: Covenant selection, definitions hygiene, and headroom setting.
Related Skills
- financial-analysis: The ratio engine this skill builds on.
- ecl-computation: Portfolio-level expected loss on the exposure.
- debt-restructuring: When the answer to "can they repay" is no.
- risk-assessment: Enterprise risk context of the borrower.
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