credit-memo
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.
npx skills add mohitagw15856/pm-claude-skills --skill credit-memo --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# Credit Memo Skill A credit memo has one job: let a committee member who has never met the borrower decide whether the bank gets its money back. This skill writes that document — the story, the structure, the numbers, and the risks — with the discipline that every risk carries a mitigant or an explicit acceptance, and every rating has a stated rationale. ## What This Skill Produces - A borrower story (business, ownership, management, why they need the money) - A facility structure table (amount, tenor, pricing, security, guarantees, covenants) - Repayment sources: primary, secondary, tertiary — each tested - A financial-ratio spread with trends and covenant headroom - Risk factors, each paired with a mitigant or an explicit acceptance - Risk-rating rationale and a clear recommendation ## Required Inputs Ask for what's missing; from a thin brief, draft with every inferred figure labelled `[assumed — verify]`: - **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 - **Existin
- What This Skill Produces
- Required Inputs
- Credit Framework
- Output Format
- Credit memo: [borrower / facility / date]
- Quality Checks
- Anti-Patterns
What does the credit-memo skill do?
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.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill credit-memo --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.