What do I need to use Lending Risk Brief?

Portfolio snapshot; Concentration limits; Grade migrations; Delinquency / NPL and provision figures; Watch-list candidates.

Is Lending Risk Brief free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Lending Risk Brief

Q: How do I know the Lending Risk Brief output is good?

The skill verifies itself against its own quality checks: Every concentration cut is compared to a limit, or the absent limit is flagged as a finding; Correlated concentrations are counted together, not reported as separate comfort; Vintages compared at matched age on-book, not calendar date; Migration reported by exposure with a drift-vs-jumps interpretation.

🔵 Stable🕐 updated 2026-07-14 🔷 SkillSpec L3 pm-banking

Write a portfolio-level lending risk brief: concentration analysis by sector, geography and single name, vintage performance, migration matrix narrative, macro-sensitivity scenarios, top watch names, and actions. Use when asked to write a portfolio risk report, credit risk committee brief, loan book review, or quarterly portfolio quality update. Produces a structured risk brief with concentration tables, migration narrative, scenario read, watch list, and recommended actions.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

What to give it

▸Portfolio snapshot — exposures by borrower, sector, geography, grade, origination vintage

▸Concentration limits — from the risk appetite statement, if set

▸Grade migrations — this period (upgrades/downgrades by exposure)

▸Delinquency / NPL and provision figures — , current and prior periods

▸Watch-list candidates — already known to the team

✅ 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.

✓Every concentration cut is compared to a limit, or the absent limit is flagged as a finding

✓Correlated concentrations are counted together, not reported as separate comfort

✓Vintages compared at matched age on-book, not calendar date

✓Migration reported by exposure with a drift-vs-jumps interpretation

✓Each scenario names its transmission channel into this book, not a generic macro headline

✓Every watch name and every finding has an action with an owner

✓Estimated figures labelled as estimates; missing data marked `[data gap]`

⚠️ What it refuses to do

Do not let a young book's low arrears pass as quality — age-match or say you can't

Do not present the migration matrix without the narrative — the matrix is data, the drift-vs-jumps read is the analysis

Do not report single-name and sector concentration as independent when they overlap in the same names

Do not write a scenario without its transmission channel into this specific book

Do not list an observation without an action or an explicit "monitor, because…"

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-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="lending-risk-brief"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Lending Risk Brief is one of 599 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog