CM
Credit Memo
🔵 Stable🕐 updated 2026-07-14
🔷 SkillSpec L3
pm-banking
Write a credit memo for a lending decision: borrower story, facility structure, repayment sources, financial-ratio spread with covenant headroom, risk factors with mitigants, risk-rating rationale, and a recommendation. Use when asked to write a credit memo, credit application, credit paper, loan write-up, or prepare a deal for credit committee. Produces a complete credit memo ready for committee review.
What to give it
▸Borrower — business, ownership, years operating, management
▸Request — facility type, amount, tenor, purpose, proposed pricing and security
▸Financials — 2–3 years of revenue, EBITDA, debt, interest expense, working capital; projections if available
▸Existing exposure — and relationship history
▸Proposed covenants — and the institution's rating scale, if available
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓Purpose, tenor, and structure are consistent (no long assets on short money)
✓All three repayment sources are addressed; if primary DSCR <1.0x the memo says the deal leans on collateral
✓Collateral is valued on realistic liquidation basis with valuation date stated
✓Every risk has a mitigant or an explicit, reasoned acceptance — none is bare
✓Ratios show trend, not a single year; covenant headroom is computed
✓Rating rationale names its driver and the notch-mover in both directions
✓Assumed figures are labelled `[assumed — verify]`
⚠️ What it refuses to do
Do not list a risk without a mitigant or an explicit acceptance — bare risk lists are unfinished analysis
Do not let the borrower's narrative substitute for the numbers — reconcile story and spread, and flag where they disagree
Do not count a guarantee as a repayment source without verified guarantor liquidity
Do not use appraisal value as liquidation value
Do not bury the recommendation at the end — committee reads it first
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcpRelated skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="credit-memo"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Credit Memo is one of 625 open-source professional AI agent skills — all SkillSpec L3.
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