post-loan-management

What problem does it solve?

This Skill helps risk teams manage the full post-loan lifecycle by performing compliant checks, identifying early warning signals, and producing structured risk classification and disposition outputs without skipping required gates.

Core Features & Use Cases

• Gate-based post-loan workflow: Performs data validation first (“read before write”), then executes step-wise checks with clear pass/fail/alert branching.
• Funds-usage and flowback compliance: Verifies loan purpose consistency and detects suspicious fund destinations and abnormal flowbacks according to policy rules.
• Financial health and collateral effectiveness assessment: Computes key financial ratios, compares against industry benchmarks, and validates collateral strength and external risk impacts.
• Early warning + five-category risk assessment support: Identifies yellow/orange/red signals, checks P1–P6 veto conditions, and generates classification guidance for human approval.
• Audit-ready structured output: Produces a structured post-loan report using the template and generates an audit trail record for traceability.

Quick Start

Use the post-loan-management skill to generate a post-loan check report for an enterprise loan case by providing the customer profile, financial statements, and fund-flow data for the requested check date and scope.