What problem does it solve? Finance teams managing foreign-currency receivables, payables, and bank loans need a repeatable way to quantify FX exposure, verify loan covenant compliance, and track credit facility headroom without manually reconciling invoices, balance sheets, and facility agreements. ## Core Features & Use Cases - FX Exposure Report: Nets foreign-currency AR, AP, and cash balances per currency, converts to MYR equivalents, and flags exposures exceeding approved hedging thresholds. - DSCR Calculation: Computes trailing-12-month EBITDA over total debt service and compares the ratio against the covenant minimum, reporting compliant, at-risk, or breached status with headroom percentage. - Credit Facility Tracking: Computes utilisation per facility and flags agreements expiring within 90 days, while assessing BNM FEA approval requirements for offshore payments. - Use Case: During a monthly treasury review, the skill produces a report showing USD exposure of +RM450K flagged for hedging review, a DSCR of 1.50x against a 1.25x covenant, and a 40% facility utilisation with 192 days to expiry. ## Quick Start Run the treasury review on the finance-manager profile to generate this month's FX exposure report, DSCR covenant check, and credit facility utilisation summary.
