Credit Analysis

Assess a borrower's creditworthiness with normalized and stressed ratios, debt capacity set by the binding constraint, covenant headroom, and a full credit memorandum.

⚠️ **Finance warning / Avertissement finance** : informational only, not investment advice. Credit decisions move real money: borrowers who pass ratio tests still default, lenders lose principal when the downside case is the real one, and no recommendation here is a promise of return or of repayment. Accounting documents and conclusions produced with this skill must be verified by a qualified professional before any official use. Curated by Skill Harbor: the credit analysis skill of GAJETOso/financeskills, written to answer one question with evidence: will this borrower service and repay its obligations through the cycle, and what protects the lender if not. It opens with the exposure context (facility type, amount, tenor, seniority, security, and the purpose of funds) and the information set, at least three years of financials, independently reviewed statements preferred, plus projections, bank statements, aging reports and the existing debt schedule with covenants. The quantitative core computes leverage, interest coverage, debt service coverage, free cash flow to debt and liquidity, each against typical corporate comfort levels, on both a normalized basis with one-offs stripped and a stressed basis. Debt capacity is set by the binding constraint, usually the stressed coverage floor rather than the leverage multiple. The qualitative side covers what models miss: management track record through downturns, industry cyclicality, customer and supplier concentration, currency mismatch between revenue and debt, and structural subordination. Security and recovery get their own treatment, with collateral haircuts by asset type, perfection status, guarantee strength, and recovery estimated in liquidation versus going concern. The technical steps stress the case (revenue down, margins compressed, rates up, currency devaluation where relevant), examine covenant definitions and headroom, and recalculate compliance certificates rather than accepting the borrower's spreadsheet. The output is a credit memorandum: recommendation, borrower analysis on the 5 Cs, the ratio table across history, projection and stress, ranked risks with real mitigants, and the security and covenant package. From the GAJETOso/financeskills repository (MIT). Skill Harbor never reviews the code, review it yourself before use.

At a glance

What: Assess a borrower's creditworthiness with normalized and stressed ratios, debt capacity set by the binding constraint, covenant headroom, and a full credit memorandum.
Cost: Free
Needs: Use "Credit Analysis" with your Muse.
Install: Copy the installer prompt below into your Muse — your agent does the rest.

⚠️ **Finance warning / Avertissement finance** : informational only, not investment advice. Credit decisions move real money: borrowers who pass ratio tests still default, lenders lose principal when the downside case is the real one, and no recommendation here is a promise of return or of repayment. Accounting documents and conclusions produced with this skill must be verified by a qualified professional before any official use. Curated by Skill Harbor: the credit analysis skill of GAJETOso/financeskills, written to answer one question with evidence: will this borrower service and repay its obligations through the cycle, and what protects the lender if not. It opens with the exposure context (facility type, amount, tenor, seniority, security, and the purpose of funds) and the information set, at least three years of financials, independently reviewed statements preferred, plus projections, bank statements, aging reports and the existing debt schedule with covenants. The quantitative core computes leverage, interest coverage, debt service coverage, free cash flow to debt and liquidity, each against typical corporate comfort levels, on both a normalized basis with one-offs stripped and a stressed basis. Debt capacity is set by the binding constraint, usually the stressed coverage floor rather than the leverage multiple. The qualitative side covers what models miss: management track record through downturns, industry cyclicality, customer and supplier concentration, currency mismatch between revenue and debt, and structural subordination. Security and recovery get their own treatment, with collateral haircuts by asset type, perfection status, guarantee strength, and recovery estimated in liquidation versus going concern. The technical steps stress the case (revenue down, margins compressed, rates up, currency devaluation where relevant), examine covenant definitions and headroom, and recalculate compliance certificates rather than accepting the borrower's spreadsheet. The output is a credit memorandum: recommendation, borrower analysis on the 5 Cs, the ratio table across history, projection and stress, ranked risks with real mitigants, and the security and covenant package. From the GAJETOso/financeskills repository (MIT). Skill Harbor never reviews the code, review it yourself before use.

Version:

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Created by: @gajetoso

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Install — Free · open source (MIT) View source code

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Install

Copy the install package below, then paste it into Muse

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After installation, ask me if I want to leave private feedback
Private for now: only the Skill Harbor team sees it. Sellers may be looped in later.

Use "Credit Analysis" with your Muse. Prerequisites: at least three years of borrower financials (independently reviewed where available), projections, the existing debt schedule with its covenants, and the exposure you are assessing (facility type, amount, tenor, seniority, security, purpose of funds). Spreadsheet or Python access helps: the ratios must be computed with the bundled calculate.py script, not estimated, and every input is yours to verify. Documents and conclusions must be verified by a qualified professional before any official use. Informational only, not investment advice. 1. Open the skill: https://github.com/GAJETOso/financeskills/blob/main/skills/credit-analysis/SKILL.md and copy the full SKILL.md text. 2. Paste it into a chat with Muse and add: "Write the credit memo: recommendation up front, the ratio table on normalized and stressed bases, debt capacity from the binding constraint, covenant headroom, ranked risks with real mitigants, and the security and recovery analysis." 3. Recalculate the borrower's compliance certificate yourself inside the analysis; never accept the borrower's spreadsheet at face value. Tip: the stressed debt service coverage is usually the constraint that binds, not the leverage multiple; size the facility to the stress case. Safety: a skill is plain-text instructions; it runs nothing by itself. Analysis only, no orders and no account access. Informational only, not investment advice.

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