Credit qa verifier

Purpose

Engine version: v0.0.7

Non-Negotiables (see AGENTS.md): no delivery of analysis conclusions without a passing QA Verdict from this skill (pure knowledge questions exempt) · no numbers without a doc §section citation (engine_undefined otherwise) · no report outside dev/templates/.

QA layer — final stage of the four-stage chain. Responsibility: perform pre-delivery review of the Delivery Note and its upstream Analysis Artifact and Path Sheet, producing a QA Verdict. This skill uses engine documents as the rule source and never relaxes a gate: if any quality gate or mandatory check fails, the verdict is fail and must be sent back for remediation; do not lower standards for delivery. This skill does not replicate any thresholds/rating mappings; rule content uses the referenced engine documents as the single source of truth.

Inputs

• Delivery Note: produced by credit-report-builder (field shape at dev/engine/pipeline-contract.md §2.3).
• Analysis Artifact: produced by fixed-income-credit-analysis, for reviewing density/veto/completeness (§2.2).
• Path Sheet quality_gates: produced by credit-analysis-router, serving as the checklist source for gate-by-gate review; path_id is the join key throughout — all three artifacts must be consistent.

Output

• QA Verdict — final stage artifact, field shape at dev/engine/pipeline-contract.md §2.4. verdict takes one of pass | pass-with-findings | fail.

Verification Protocol

1. Join key consistency: The path_id in all three artifacts must be identical and resolvable in the registry. Inconsistency → fail.
2. Gate-by-gate review: Review each quality gate in the Path Sheet's quality_gates list, producing gate_results (each with status + evidence, evidence citing engine document sections).
3. Four mandatory checks: See below. Any failure → fail.
4. Produce verdict: All pass → pass; pass but with findings that should be noted → pass-with-findings; any failure → fail with remediation.

Mandatory Checks (rule source is engine documents)

• Signal density rule density_rule: Dimensions below the density floor must not output numeric scores and must be annotated as insufficient information to evaluate; when weighted-average density is insufficient, must not output a final letter rating. Rule source: dev/engine/mosaic-engine.md §4.3.
• One-vote veto ceiling veto_ceiling: Issuers triggering a one-vote veto have their rating ceiling locked at CCC, may not be raised. Rule source: dev/engine/industry-framework.md §5.
• Mode B anti-hallucination mode_b: Unless the user explicitly provides data sources (CSV/API/MCP), no Mode B external data values may appear; all Mode B fields must be treated as data gaps. Rule source: dev/engine/mosaic-engine.md §6.
• Single source of truth single_source: Reports/analyses must not fabricate thresholds, weights, or rating mappings; quantities not defined in the engine must be annotated as engine_undefined. Rule source: all referenced engine documents.

Process-Compliance Checks (anti-drift; rule sources as noted)

• Template compliance: Every rendered report file maps to a template in the path's registry templates field (or declared marker) — no ad-hoc layouts. Rule source: dev/engine/work-path-registry.md + dev/templates/index.yaml.
• Citation compliance: Every numeric claim (threshold, weight, score, tier, rating) carries a doc §section citation or is marked engine_undefined. Rule source: AGENTS.md Non-Negotiables.
• Dimension compliance: All analysis dimensions/metrics use engine vocabulary only (industry-framework D1-D10 + paradigm pyramids; concentration-framework five dimensions; contagion-matrix 19 industries; P1-P6 paradigms) — no invented dimensions or industries. Rule source: dev/engine/industry-framework.md + dev/engine/contagion-matrix.md.
• Chain compliance: A Path Sheet exists for the path_id, and this QA Verdict is produced before delivery — no analysis ships without it. Rule source: dev/engine/pipeline-contract.md.

QA Verdict Output

Template (schema single source of truth is dev/engine/pipeline-contract.md §2.4):

path_id: ""                 # join key (all three artifacts must be consistent)
verdict: ""                 # pass|pass-with-findings|fail
gate_results:               # gate-by-gate review results
  - gate: ""                # "rule name (dev/engine/<doc>.md §section)" (inherited from Path Sheet quality_gates)
    status: ""              # pass|fail
    evidence: ""            # review evidence (citing engine document sections, not copying values)
mandatory_checks:           # four mandatory checks
  density_rule: ""
  veto_ceiling: ""
  mode_b: ""
  single_source: ""
remediation: []             # remediation suggestions for failed items

Example (Credit Selector single target WP-CS-01, three gates all pass, mandatory checks all pass, one finding to note):

path_id: WP-CS-01
verdict: pass-with-findings
gate_results:
  - gate: "Signal Density (dev/engine/mosaic-engine.md §4.3)"
    status: pass
    evidence: Dimensions below density floor are set to null and annotated insufficient information to evaluate (mosaic-engine §4.3)
  - gate: "Veto (dev/engine/industry-framework.md §5)"
    status: pass
    evidence: No one-vote veto triggered; rating ceiling rule verified (industry-framework §5)
  - gate: "Cross-Validation (dev/engine/dual-track-methodology.md §4)"
    status: pass
    evidence: Track divergence presented and interpreted in report (dual-track-methodology §4)
mandatory_checks:
  density_rule: pass
  veto_ceiling: pass
  mode_b: pass
  single_source: pass
remediation: []

Chaining (Final Stage)

• Upstream (REQUIRED): credit-report-builder — consumes its Delivery Note and upstream artifacts.
• Final stage: This skill is the last of the four-stage chain; no downstream. When verdict is fail, return to the appropriate stage per remediation (density/veto issues → return to analysis; template/assembly issues → return to report) for remediation and re-review.

Guardrails

• Never relaxes a gate: Quality gates and mandatory checks only have pass/fail outcomes; no discretionary pass. Missing completeness report, outputting numeric scores below density floor, fabricating thresholds, Mode B hallucination — all result in fail.
• Do not replicate engine content: Only reference rule names and document sections; do not replicate any thresholds, SRI tiers, layered time budgets, or rating mappings. Numerical judgments are based on the referenced engine documents.
• Engine documents as rule source: Every gate rule name must be grep-able in the referenced engine document (traceability at references/qa-checklist.md); do not fabricate rules.

References

• references/qa-checklist.md — QA checklist (gate rule name → engine document traceability, pointer only)
• dev/engine/pipeline-contract.md — Four-stage chain I/O contract (artifact schema single source of truth)
• dev/engine/mosaic-engine.md — Signal density / completeness / Mode B guardrail (density_rule, mode_b rule source)
• dev/engine/industry-framework.md — One-shot veto rating ceiling (veto_ceiling rule source)
• dev/engine/work-path-registry.md — Work path registry (quality gate list traceability)