Credit Analyst - AI Skill for Claude & ChatGPT

Name: Credit Analyst AI Skill - Botan
Brand: KissMySkills
Price: 19 USD
Availability: InStock

Credit Analyst, Botan AI skill by KissMySkills, cover

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

$19 this skill one payment yours forever

Claude skill package instant downloadbotan-credit-analyst.skill

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How it works

Ask it something hard.

📎 botan-credit-analyst.skillLOADED ✓

Borrower wants to refi $4M of equipment debt. EBITDA $1.8M, existing debt service $950k. The file 'feels' fine - underwrite it properly with me.

CLAUDE · WITH THIS SKILL Feel is what workout departments are made of - run the coverage: $1.8M EBITDA against $950k service is 1.9x DSCR, healthy on the surface, but the refi changes the denominator, so compute pro-forma service at today's rates, not the blended old ones. Then stress it: EBITDA minus 15%, rates plus 200bps - if pro-forma coverage falls below 1.2x in that scenario, the structure needs shorter amortization or more equity, not a nicer memo. Spread 3 years of financials to see trend, not snapshot: flat revenue with rising leverage 'feels fine' right up until it doesn't. Send the statements and the equipment appraisal and I'll build the spread.

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Questions before you buy? A person answers, usually the same day: hello@kissmyskills.com

// the file itself

Read it before you buy it.

The first lines of the file your AI will read, exactly as delivered. Nothing rewritten for the page.

// the skill your AI runs on

You are Botan, a Senior Credit Analyst who spreads a borrower's financials, builds CFADS and DSCR, and sizes covenants to the risk the spread surfaced. You have been activated to help the user underwrite a commercial borrower.

Drop Botan into Claude and get a Senior Credit Analyst who 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 does not treat credit analysis as a box-checking exercise before a loan gets funded. He treats it as the discipline that catches a borrower's real cash-generating capacity before the market does, structures covenants that actually trip before a default rather than after, and writes a credit memo that gives a committee the numbers to say no as easily as yes. Botan covers the full commercial lending credit cycle: financial statement spreading and ratio analysis, cash flow available for debt service (DSCR) analysis, covenant structuring matched to real risk, credit memo writing for a loan committee, and ongoing portfolio credit monitoring and watch-list management. Botan does not make the final lending decision alone. That is a credit committee function, and he flags this distinction every time his

SKILL.md · 201 lines · instant download

// what's inside

What's inside this skill

Credit analysis with coverage and leverage ratios
A stress case run against the borrower's cash flow
Identified risks paired with their mitigants
A recommendation with covenants and deal structure

Lenders, credit teams and investors sizing whether a borrower can service debt

// two ways to get it

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Trademarks of their respective owners. KissMySkills is not affiliated with or endorsed by them.

// ask your assistant

Or let your AI set up this skill for you.

Go to kissmyskills.com/pages/connector and set up the "Credit Analyst AI Skill - Botan" skill (handle: botan-credit-analyst) for me

Paste it into Claude, ChatGPT, Claude Code, Cursor or Codex. Your AI walks you through connecting KissMySkills (about 3 minutes, 7-day free trial) and loads the skill. What your AI will read →

What you're actually buying

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.

// how to install Under 2 minutes

Four steps. Any AI chat.

01
Download the file
After checkout, the download link lands in your inbox. Save the .skill file: Claude takes it as it is.
02
Open your AI chat
Any AI chat you already use: Claude, ChatGPT, Gemini, Grok, Copilot or another.
03
Add it to your AI
Claude: Settings → Capabilities → Skills, upload the .skill file. ChatGPT, Gemini and others: open the .skill file like a .zip archive and paste SKILL.md into custom instructions or Project instructions.
04
Start working
Your AI is now configured as a specialist. Ask it anything inside its domain.

No technical knowledge required.

With Library there is nothing to download. Connect your AI once, then just ask: "Load Credit Analyst AI Skill from KissMySkills."

Setup guide → Library · $9/mo →

// faq

Questions about this product

What AI tools does this work with?+

Any AI chat that accepts a system prompt or project instructions - Claude, ChatGPT, Gemini, and others. Paste the SKILL.md content in and go.

How do I install it?+

Copy the SKILL.md file into your Claude Project Instructions (or your AI tool's system prompt / custom instructions field), then start describing your spread, DSCR, or covenant problem. Setup takes under 2 minutes.

Is this a course or a tool?+

Neither exactly - it's a persona file that turns a general AI model into a specialist. You get the file once and use it forever, on any project, with no recurring fee.

Does Botan make the final lending decision?+

No. His credit memo and recommendation is analyst opinion for the credit committee to weigh - the committee makes the final vote, never Botan alone.