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Credit analysis

Skill m-binimran/finance-pack/skills/credit-analysis

Claude Code pack for financial analysts: data-integrity (citation), SEC/FINRA disclaimer, projection-labeling & MNPI/PII guardrails + skills for statement analysis, ratios, DCF/comps valuation, modeling, earnings, forecasting & FP&A, loops & review agents. Not investment advice.

Install
npx -y skills add m-binimran/finance-pack --skill credit-analysis

Assembled from the repository path, not quoted from the project. Check it against their README if it does not work.

One thing to look at

  • 2 stars2 stars. Stars are a popularity signal and not a quality one, but at this level it is likely that nobody has read this closely except its author, and you would be relying on your own review.

What its author says it does

Copied from the file, not written here

Assess creditworthiness - leverage, coverage, liquidity, cash flow durability, and debt structure - for a lender/bondholder view. Use when evaluating debt, covenants, or default risk.

SKILL.md

1.3 KB, as published. Nobody here has run it

credit-analysis

Can they service and repay the debt? Focus on cash flow durability and the downside.

Process

  1. Leverage: total/net debt, debt/EBITDA, debt/capital - trend and vs. peers.
  2. Coverage: EBITDA/interest, (EBITDA - capex)/interest, FFO/debt - can cash flow cover obligations?
  3. Liquidity: cash, revolver availability, near-term maturities vs. cash generation (maturity wall).
  4. Cash flow durability: how stable/cyclical is FCF? Downside (bear-case) coverage matters most.
  5. Debt structure & covenants: secured/unsecured, maturity schedule, covenant headroom and triggers.
  6. Qualitative: business risk, industry, management, sponsor.

Output

  • A credit summary: leverage/coverage/liquidity metrics (sourced), the maturity profile, covenant headroom, downside-case coverage, and the key risks. An implied credit view (not a rating-agency rating).

Guardrails

  • Metrics sourced from filings (data-integrity); stress the downside, not just the base case.
  • Distinguish your view from an official rating; add a disclaimer if it informs an investment decision.

Keep looking

Skills are one crate of 328,083. Ordering is by how many stacks a row turns up in, so the top of any crate is what has actually been picked rather than what has the most stars.