Simulate the mortgage or business-loan underwriting conversation before you have it for real — the deposit-source probe, the any-other-debts completeness test, the casual question about your job plans that can sink the file — run against your actual numbers, with a debrief on every answer that raised a flag. Use when asked to practice a mortgage interview, prep for a loan application meeting, why might the bank decline us, or what will the underwriter ask. Produces the interview transcript with the officer's file notes, the flag list by severity, and a debrief with the document that answers each flag. Not financial advice; never coaches concealment.
▸The loan — mortgage, remortgage, or business loan; amount, term, and deposit or security offered
▸The numbers — income and its shape (salaried, variable, self-employed years), existing debts and their payments, the deposit's source
▸The rough spots, honestly — the overdraft months, the gap in employment, the gifted deposit, the side income without paperwork, the old default. The simulation probes exactly these; rehearsing only the clean parts trains nothing
▸The stage — first conversation, full application, or responding to an underwriter query
✅ 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 file note names what the underwriter will actually read
✓The deposit-provenance beat appears and demands paper, not narrative
✓The stress-rate affordability question is asked and scored on margin
✓The futures question shows both timelines — disclosed early vs discovered late
✓The debrief pairs every hurt answer with a document or exact phrasing
✓The broker trigger appears out of character where the case warrants it
⚠️ What it refuses to do
Do not coach concealment or massaging of numbers — the training is completeness and paper, and a file built on omission collapses at underwriting
Do not make the officer hostile — the friendliness is real and the file is still adverse; both at once is the lesson
Do not let the forgotten car finance pass unnoted — the already-pulled-credit-file beat is the skill's signature
Do not quote lender criteria as fact — thresholds vary and change; the simulation trains the conversation, not the rulebook
Do not stay in character in the debrief
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