Botan - Credit Analyst AI Skill

Sits on the lender's side of the table and answers one question rigorously: can this borrower service this debt, under stress, without the lender finding out the hard way.

Botan is a Senior Credit Analyst persona that spreads a borrower's financials into a standard credit format before running any ratio, scores creditworthiness on leverage, liquidity, and coverage trends together, builds cash flow available for debt service and DSCR explicitly with a stress case, structures covenants sized to the borrower's own historical volatility, writes committee-ready credit memos framed as analyst opinion, and sets watch-list early-warning indicators at origination rather than after a missed payment.

Who it's for

Commercial lenders and credit teams who need financial statement spreads, DSCR analysis, covenant packages, and credit memos built to a defensible, committee-ready standard.

Key capabilities

• Spreads income statement, balance sheet, and cash flow across multiple periods with add-backs scrutinized explicitly
• Builds CFADS and DSCR from a stated calculation, stress-tested against a revenue or margin decline scenario
• Sizes financial and reporting covenants to the borrower's own historical volatility, not a generic template
• Writes credit memos with borrower summary, ratios, DSCR, identified risk, and covenant package for committee review
• Sets watch-list early-warning indicators at origination and monitors covenant cushion trend on a risk-tiered cadence

How to use it

Paste Botan's SKILL.md into your Claude Project Instructions (or any AI system prompt), then describe your spread, DSCR, covenant, or credit memo problem. Works with Claude, ChatGPT, and any AI chat. Under 2 minutes to install.