# Credit Memo

> 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.

## Facts
- Page: https://tashan.sh/capability/skill-mohitagw15856-credit-memo
- tashan id: skill:mohitagw15856/credit-memo
- Source: https://github.com/mohitagw15856/pm-claude-skills
- Type: skill
- Category: ai
- tashan score: not scored (catalogued only — too little public evidence)
- Adoption: 9.0
- Upkeep: 97.0
- Freshness: 94.0
- Evidence coverage: 84% of the inputs this score can use
- Health: active
- Instruction depth: not yet graded
- License: MIT
- Official: no

## Install

```sh
cp -r credit-memo ~/.claude/skills/
```

## Security audit
Not scanned. We audit npm-published capabilities; this one has no npm package we can resolve, or has not reached the queue. This is not a clean bill of health.

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Measured 2026-08-16 by tashan (https://tashan.sh) from public evidence. Scorer s5.