Skill: Assess Credit Worthiness
Domain
financial_services
Description
Assesses borrower creditworthiness using financial analysis, credit scoring, and risk-adjusted pricing for lending decisions.
Tags
credit, lending, underwriting, risk, scoring, banking
Use Cases
- •Credit decisioning
- •Risk-based pricing
- •Portfolio management
- •Limit setting
Proprietary Business Rules
Rule 1: Credit Score Integration
Bureau score and internal score combination.
Rule 2: Financial Ratio Analysis
Key financial health indicators.
Rule 3: Capacity Assessment
Debt service coverage evaluation.
Rule 4: Risk Grade Assignment
Credit risk grade determination.
Input Parameters
- •
application_id(string): Application identifier - •
borrower_info(dict): Borrower profile - •
financial_statements(dict): Financial data - •
credit_bureau(dict): Bureau information - •
collateral_info(dict): Security details - •
loan_request(dict): Requested terms
Output
- •
credit_score(float): Combined credit score - •
risk_grade(string): Assigned risk grade - •
financial_analysis(dict): Ratio analysis - •
pricing_recommendation(dict): Risk-adjusted pricing - •
decision(string): Approval recommendation - •
conditions(list): Required conditions
Implementation
The assessment logic is implemented in credit_assessor.py and references data from credit_criteria.json.
Usage Example
python
from credit_assessor import assess_credit
result = assess_credit(
application_id="APP-001",
borrower_info={"type": "business", "years_in_business": 10, "industry": "manufacturing"},
financial_statements={"revenue": 5000000, "ebitda": 750000, "total_debt": 1000000},
credit_bureau={"business_score": 75, "payment_history": "satisfactory"},
collateral_info={"type": "real_estate", "value": 2000000},
loan_request={"amount": 500000, "term_years": 5, "purpose": "expansion"}
)
print(f"Risk Grade: {result['risk_grade']}")
Test Execution
python
from credit_assessor import assess_credit
result = assess_credit(
application_id=input_data.get('application_id'),
borrower_info=input_data.get('borrower_info', {}),
financial_statements=input_data.get('financial_statements', {}),
credit_bureau=input_data.get('credit_bureau', {}),
collateral_info=input_data.get('collateral_info', {}),
loan_request=input_data.get('loan_request', {})
)