credit-due-diligence

What problem does it solve?

This Skill eliminates the manual, error-prone work of producing a bank-grade enterprise credit due diligence report by systematically collecting and validating multi-source enterprise, credit, financial, and business-evidence data. It helps credit teams assess first repayment source strength, detect authenticity risks, and produce a structured output ready for lending review.

Core Features & Use Cases

• End-to-end due diligence workflow (step-gated): Runs a fixed, gated process from data verification to risk assessment and lending recommendation.
• Multi-source data integration & validation: Enumerates documents, verifies data completeness, calculates core financial metrics, and cross-checks business authenticity using contracts/invoices/water-power/utilities and bank flows.
• Risk & red-line governance: Applies predefined constraints and one-veto red lines (D1–D7) to determine whether to recommend, conditionally recommend, defer, or prohibit lending.
• Structured, downstream-compatible report output: Produces a structured report with quantified metrics, explicit data sources, and an audit-trail-ready structure.

Quick Start

Use the credit-due-diligence skill to generate a due diligence report for a new corporate loan request by providing the enterprise name, due diligence purpose (e.g., first loan), and uploading the required工商/征信/财务/合同/发票/流水 materials.