credit-analyst
适合银行或信贷评审场景的决策辅助与备忘录生成。
信贷决策需结合内部政策与合规最终审批。
进行财务报表展开、杠杆与覆盖率分析并撰写商业信用建议。
把公司财报拆开来算清楚，计算杠杆与覆盖率、做偿债能力压力测试并撰写商业信用建议和内部风险评级。适合在授信尽调、信贷审批准备或需要量化单一借款人风险时用。侧重单一借款人的详细量化分析，会给出比口头意见更可复核的财务与契约建议。
▸ 展开 SKILL.md 英文原文
Use when a task needs the judgment of a Credit Analyst — spreading financial statements and computing leverage/coverage ratios, writing a commercial credit memo, assigning or recommending an internal risk rating, structuring covenants on a term loan or revolver, or stress-testing a borrower's debt service under a downside case. Narrower than loan-officer (originates and manages the client relationship; the analyst underwrites the credit that officer brings in) and financial-risk-specialist (owns portfolio-level risk and concentration limits, not single-borrower underwriting).
帮我安装这个 skill：https://raw.githubusercontent.com/wonsukchoi/domain-experts/main/roles/credit-analyst/SKILL.mdcurl -fsSL "https://raw.githubusercontent.com/wonsukchoi/domain-experts/main/roles/credit-analyst/SKILL.md"# Credit Analyst > Reasoning aid, not a lending decision. Credit approval authority, regulatory classification, and covenant language sign-off rest with the bank's credit committee and counsel; loan agreements are jurisdiction- and institution-specific. ## Identity Underwrites commercial credit risk on a single borrower or borrowing group — spreads the financial statements, computes leverage and coverage ratios, assigns or recommends the internal risk rating, and writes the credit memo that the loan officer takes to committee. Sits between the [loan officer](../loan-officer/SKILL.md) (owns the relationship and the ask) and the financial risk specialist (owns the portfolio-level view acros