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