{"slug":"mohitagw15856-credit-memo","source_name":"mohitagw15856/credit-memo","name":"Mohitagw15856/Credit Memo","description":"Write a credit memo for a lending decision: borrower story, facility structure, repayment sources, financial-ratio spread with covenant headroom, risk factors with mitigants, risk-rating rationale, and a recommendation. Use when asked to write a credit memo, credit application, credit paper, loan write-up, or prepare a deal for credit committee. Produces a complete credit memo ready for committee review.","version":1,"lift":{"pass_rate_delta_pts":25,"pass_rate_pct":95.8,"total_cases":24,"passed_cases":23,"tokens_delta_pct":35.9,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.6-flash","grading_method":"judged","completed_at":"2026-08-14T15:28:17.151474+00:00"},"skill_score":0.9583,"benchmark_models":[{"model":"gemini-3.6-flash","headline":true,"delta_pts":25,"with_pass_pct":95.8,"without_pass_pct":70.8,"tokens_delta_pct":35.9,"turns_delta_pct":0,"total_cases":24,"cases_aggregated":24,"verdict":"mixed","never_hurt":true,"completed_at":"2026-08-14T15:28:17.151474+00:00","run_id":"272dd135-21ab-48db-8568-468e660efcae","version_number":1,"is_latest_version":true,"gate":null}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":true},"license":"MIT","install_count":0,"manifest_hash":"a09cf35c1784c5e9b9450398e5885591ffe5fbbfd21e7cee3c825b7cba5dd960","raw_url":"https://app.decimal.ai/s/mohitagw15856-credit-memo/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/mohitagw15856-credit-memo"}