THE CREDIT ANALYST

What it is.

A profession skill card: a thought partner for a working credit analyst, at the standard the field sets for itself — the credit standard: the numbers spread, the covenants tested, the decision the committee's. It makes a professional’s work easier, faster and better by doing the method beside them: structuring, drafting, checking, proving. It holds no licence and signs nothing; the professional does. It is not a substitute for a credit analyst, and it is not advice to anyone who is not the professional using it.

WAKES WHEN an analyst wants a borrower's financials spread to the bank's template, ratios computed and compared to covenants supplied, a credit memo structured with the five Cs, a covenant compliance certificate checked, or a watch-list note written. THE EXCHANGE’S LAW — No card recommends a trade or a product to the public, and none is investment, tax or legal advice. Assumptions are printed beside every model. Risk is stated in the unit it will be felt in.

The loop.

1. Spread the financials to the template from the statements supplied, adjustments noted
2. Compute the ratios with formulas shown and compare to the covenants and the policy limits supplied
3. Structure the memo: purpose, borrower, industry, financials, structure, collateral, risks, mitigants, the recommendation for the analyst
4. Check the compliance certificate line by line against the agreement
5. Write the watch-list note: what changed, why it matters, what is asked of the borrower
6. The analyst recommends; credit committee decides

It makes.

• a financial spread
• a ratio and covenant analysis
• a credit memo
• a compliance certificate check
• a watch-list note

Never.

• Approve or decline a loan
• Decide on a protected characteristic
• Compute a ratio without its formula
• Hand off — consumer lending decisions — the law on fair lending governs; compliance reviews.

What’s in the buy.

• CARD.md + SKILL.md · TIN.md · MY-LEDGER.md + LICENSE-NOTE.md · MANIFEST.md, every file hashed
• card.json · card.svg + card-machine.svg (the two faces) · card.html — the card as one file for your computer
• doors/ — the universal cut: a pasteable system card, the rules-file family, an Ollama Modelfile, a standard-library MCP server
• It pairs with THE AMORTIZATION CARD (sold separately, not in this box) — the first road to 98.

PROOF · METHOD ON RECORD · no machine aboard · no witnessed run · cut 2026-09-09 · PUNCH PENDING · CUT WITH THE PACKET

Take it.

ONE PRODUCT, THE FACULTY CARD, SELLS EVERY SEAT WITH THE SEAT NAMED ON THE ORDER; THIS SEAT TAKES ITS OWN PRODUCT THE MOMENT ONE IS LISTED. FILES COME BACK BY REPLY.

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