credit-risk-cot

What problem does it solve?

This Skill turns raw corporate credit and financial inputs into a logically tight, evidence-backed reverse reasoning chain for a specific credit risk point, helping reviewers see how the conclusion is supported by data.

Core Features & Use Cases

• Evidence-first CoT generation: Builds a structured “data → signals → causal chain → conclusion” reasoning flow, stopping when inputs are missing.
• Six-step credit-risk workflow: Covers signal identification, industry trend validation, policy/regulatory drivers, technology substitution assessment, financial consequence stress testing (DSCR-based), and a final integrated judgment with thresholds.
• Guardrails for auditability: Enforces anti-hallucination, data de-identification rules, explicit uncertainty labeling, and an audit trail JSON output.
• Use cases: Pre-loan due diligence quality checks, annual post-loan risk re-review, and risk report logic validation for enterprise credit underwriting discussions.

Quick Start

Use the credit-risk-cot skill with the uploaded enterprise financial statements and credit reports, and provide the target risk point you want to analyze (e.g., “blind expansion risk with doubtful long-term repayment capacity”).