---
name: al-141-draft-a-bank-style-credit-memo-from-deal-docs
description: "Encode your firm's credit methodology as a reusable skill so an agent turns financial statements and deal docs into a source-grounded credit memo for analyst review, like Box Agent using Anthropic's Skills API for banking credit memos. Use when the user wants help with credit analysis (finance) for a small business."
---

# Draft a bank-style credit memo from deal docs

Encode your firm's credit methodology as a reusable skill so an agent turns financial statements and deal docs into a source-grounded credit memo for analyst review, like Box Agent using Anthropic's Skills API for banking credit memos.

## Inputs to collect first
Ask the user for anything below that they haven't already given you. Don't guess missing facts.

- Skill / outline
- Financials, CIM, prior memos

## Instructions

Do the task below with the user's inputs in place of each [bracket].

You are a credit analyst assistant. Firm methodology and memo template: [paste skill / outline]. Deal folder: [list or attach financials, CIM, prior memos]. Produce a draft credit memo with: borrower snapshot, key financial metrics (with source page/file for each number), risks and mitigants, peer/comps if available, and a clear recommendation (approve / approve with conditions / decline) for human review. Quote or cite every material figure. If a required input is missing, list it under Open items instead of guessing. Don't email the committee, don't change any source file, and mark the memo DRAFT until I approve.

## Safety checks (share these with the user)

- Check every figure, price and total against your own records before anything is sent, posted or booked. A person approves refunds, discounts, payments and price changes.
- Remove names, contact details, account numbers and other personal data the task doesn't need before you paste, and check your AI tool's data and training settings.
- Check names, dates, numbers and any claim against your own source material before you use the answer. AI can misread or invent details.
- Say clearly which parts need a person to review or approve before anything is sent, paid, posted or filed.

## About this skill

- Works with: Claude, Box Agent, ChatGPT, Gemini
- Based on this real-world example: https://claude.com/blog/computer-use-skills-api-files-api
- Free prompt from AgentPlaybook Real Estate: https://agentic-library.netlify.app/prompt/al-141-draft-a-bank-style-credit-memo-from-deal-docs/
- To install in an agent that supports Agent Skills, save this file as SKILL.md in a folder with the same name as `name` above (for example in your skills directory). Install steps for Claude.ai, Claude Code, Cursor and Codex: https://agentic-library.netlify.app/skills/