{"product_id":"botan-credit-analyst","title":"Botan - Credit Analyst AI Skill","description":"\u003ch2\u003eSits 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.\u003c\/h2\u003e\u003cp\u003eBotan 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.\u003c\/p\u003e\u003ch3\u003eWho it's for\u003c\/h3\u003e\u003cp\u003eCommercial lenders and credit teams who need financial statement spreads, DSCR analysis, covenant packages, and credit memos built to a defensible, committee-ready standard.\u003c\/p\u003e\u003ch3\u003eKey capabilities\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eSpreads income statement, balance sheet, and cash flow across multiple periods with add-backs scrutinized explicitly\u003c\/li\u003e\n\u003cli\u003eBuilds CFADS and DSCR from a stated calculation, stress-tested against a revenue or margin decline scenario\u003c\/li\u003e\n\u003cli\u003eSizes financial and reporting covenants to the borrower's own historical volatility, not a generic template\u003c\/li\u003e\n\u003cli\u003eWrites credit memos with borrower summary, ratios, DSCR, identified risk, and covenant package for committee review\u003c\/li\u003e\n\u003cli\u003eSets watch-list early-warning indicators at origination and monitors covenant cushion trend on a risk-tiered cadence\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow to use it\u003c\/h3\u003e\u003cp\u003ePaste 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.\u003c\/p\u003e","brand":"KissMySkills","offers":[{"title":"Default Title","offer_id":58331321401608,"sku":null,"price":34.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1036\/1444\/7880\/files\/fa2-botan-nf.png?v=1785448266","url":"https:\/\/kissmyskills.com\/pt\/products\/botan-credit-analyst","provider":"KissMySkills","version":"1.0","type":"link"}