Botan - 信用分析師 AI Skill
$29.00
特價
$29.00
原價
$43.99
跳至產品資訊
Start All-Access
Botan - 信用分析師 AI Skill
$29.00
this skill
vs
$43.99
hiring a commercial credit analyst
Complete skill package instant downloadbotan-credit-analyst.skill
Choose how to get it
Start All-Access, from $8.25/mo$99 a year, or $19 a month. 14-day refund on the first charge.
// all-access
You do not download skills. Your AI fetches them.
The KissMySkills connector is a small server your AI chat talks to. Add it once to Claude, ChatGPT, Claude Code or Cursor. From then on, any of our 1,000+ skills is one sentence away.
- 01Add the connector. Settings, Connectors, paste one link. A minute.
- 02Sign in once. The email from your subscription. Nothing installs.
- 03Ask for a skill. "Load Botan." It arrives in the conversation and your AI answers as that specialist.
$99/yr $8.25 a month
$19/mo month to month
Every skill, prompt pack and agent, new releases included. Single files can still be bought and kept. Cancel any time from your account. Compare plans
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⚡ 立即下載
∞ 永遠保留
✎ 由我們撰寫
Add it once. Your AI works like a specialist.
將其加入 Claude、ChatGPT 或 Gemini - 您的 AI 會在此領域中擔任專家。
立即下載 · 30 天退款保證。 一次付費，永久使用 - 無需訂閱。由我們撰寫並測試，絕非從 GitHub 抓取。 退款政策
Ask Botan something hard.
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 · AS BOTAN, 信用分析師
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.
Trademarks of their respective owners. KissMySkills is not affiliated with or endorsed by them.
你不需要閱讀。由你的 AI 代勞。
只需將技能檔案新增至 Claude、ChatGPT 或 Gemini 一次。從那之後，它就會以這個領域的專家身分運作，並從下一則訊息開始以 Botan 的身分回答。
購買一次，檔案便永久歸您所有。或者訂閱 All-Access，讓 KissMySkills 連接器在您提出要求時，將該檔案及其他所有技能載入您的聊天中。
// what's inside
這項技能包含什麼
- 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
A commercial credit analyst bills $134+/hr, the complete skill is yours forever.
// what's inside
What you're actually buying
站在貸方這一邊，嚴謹地回答一個問題：在壓力情境下，這位借款人能否償還這筆債務，而不讓貸方事後才付出慘痛代價。
Botan 是一個資深信用分析師角色，會先將借款人的財務資料整理成標準信用格式，再進行各項比率分析；綜合評估槓桿、流動性與償債能力趨勢來評分信用度；明確計算可用於償債的現金流與 DSCR，並納入壓力情境；根據借款人自身的歷史波動性設計適當規模的契約；以分析師意見為框架撰寫可供委員會審閱的信用備忘錄；並在貸款起始時設定觀察名單的早期預警指標，而不是等到錯過付款後才採取行動。
適用對象
需要以可辯護、可供委員會審閱的標準完成財務報表整理、DSCR 分析、契約方案與信用備忘錄的商業貸方及信用團隊。
主要功能
- 跨多個期間整理損益表、資產負債表與現金流量表，並明確審查加回項目
- 根據明確列示的計算方式建立 CFADS 與 DSCR，並以營收或利潤率下降情境進行壓力測試
- 根據借款人自身的歷史波動性，而非通用範本，設定財務與報告契約的適當規模
- 撰寫包含借款人摘要、比率、DSCR、已識別風險及契約方案的信用備忘錄，供委員會審閱
- 在貸款起始時設定觀察名單的早期預警指標，並依風險分級的頻率監控契約緩衝空間趨勢
使用方式
將 Botan 的 SKILL.md 貼到你的 Claude Project Instructions（或任何 AI 系統 prompt）中，然後說明你的財務報表整理、DSCR、契約或信用備忘錄問題。適用於 Claude、ChatGPT 及任何 AI 聊天系統。安裝時間不到 2 分鐘。
// how to install
不到 2 分鐘
四個步驟。任何 AI 聊天。
- 01下載檔案
結帳後，下載連結會寄到您的收件匣。將檔案儲存至裝置上的任意位置。
- 02開啟你的 AI 聊天功能
Claude、ChatGPT、Gemini、Grok 或 Copilot - 無論你目前使用哪一個。
- 03貼上檔案內容
將其放入系統 prompt、專案指示或自訂指示欄位中。
- 04開始工作
您的 AI 現已設定為專業助手。您可以詢問它任何與其專業領域相關的問題。
不需要技術知識。不需訂閱。一次付費，永久使用。
// compatible with
支援所有主要的 AI 聊天服務。
將檔案放入您的 AI system prompt、專案指示或自訂指示中。無需設定。無需程式碼。不受供應商綁定。
// faq
關於此產品的問題
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.
Do I have to read it myself?+
No. The file is written for your AI to read, not for you. Upload it or paste it in once and the AI takes on the role. After that you just ask it questions the way you normally would. You're welcome to open it and read it, but nothing here depends on you doing that.
Is this a physical book?+
No, it's digital. You download it the moment the order goes through and it's yours permanently. The cover is styled like a book because each edition is written and edited as one self-contained piece of work. The reading part is your AI's job, not yours.
準備好讓您的 AI 專精了嗎？
一個即插即用的檔案。一次付費，永久保留 - 適用於 Claude 和 ChatGPT。
