Cre Lender Credit

Community

ahacker-1

cre-lender-credit

CRE Lender/Credit analysis suite - 8 specialist skills for U.S. CRE loan screening and sizing, sponsor and appraisal review, credit memo writing, annual risk rating, covenant and watchlist monitoring, problem loans, and portfolio stress testing.

Overview

Publisher	ahacker-1
Repository	`cre-agent-skills`
Skill name	`cre-lender-credit`
Stars	129
Forks	32
Bundled files	14
License	Apache-2.0
Links	Skill source Repository Homepage

Markdown instructions
A SKILL.md file the model loads on demand, so it only costs tokens when a request actually matches.
Works with any LLM
AI skills are plain Markdown, not provider-specific code, so this works with GPT, Claude, Gemini, Grok, or a local model.
14 bundled files
Scripts, templates, and references the model can read while it works. Files are read-only and never executed.
Open source
Published by ahacker-1 on GitHub. Read the source before you install it.

Installation

Install the Cre Lender Credit AI skill in TypingMind to use it with any LLM, or drop it into another agent that reads SKILL.md.

Install in TypingMind

TypingMind installs a skill straight from its GitHub folder — it reads SKILL.md, bundles the resource files, and stores the result locally.

Open the app and go to Plugins → Skills.
Choose "Install from GitHub".
Paste the skill folder URL below and confirm.
https://github.com/ahacker-1/cre-agent-skills/tree/main/claude-code-plugins/cre-lender-credit
Enable the skill in any chat where you want it available.

Store

Installed

Skills

Add skills

Import one or more skills from a public GitHub folder or a local .skill or .zip archive, or SKILL.md file.

From GitHub URLFrom .skill, .zip, or SKILL.md

GitHub repo or folder

https://github.com/ahacker-1/cre-agent-skills/tree/main/claude-code-plugins/cre-lender-credit

Points to a single skill folder, or any folder that contains multiple skills. Public repos only.

CancelContinue

Plugins → Skills → Add skill → From GitHub URL, then paste the folder URL and press Continue.

Install in another agent

Any agent that reads the Agent Skills format can use this skill — copy the folder into that agent's skills directory.

Claude Code — .claude/skills

git clone --depth 1 https://github.com/ahacker-1/cre-agent-skills.git /tmp/cre-agent-skills
mkdir -p .claude/skills
cp -r /tmp/cre-agent-skills/claude-code-plugins/cre-lender-credit .claude/skills/cre-lender-credit

Restart Claude Code after copying so it picks up the new skill.

Use it in TypingMind

Enable Cre Lender Credit in any TypingMind chat and the model takes it from there. Its name and description sit in the system prompt, and the moment a request matches, the model loads the full instructions itself — you never invoke it by hand, and it costs no tokens until it is actually used.

The model loads Cre Lender Credit on its own as soon as a request matches it.

Works with any AI model

AI skills are plain Markdown instructions rather than provider-specific code, so Cre Lender Credit is not tied to the model it was written for. Install it once in TypingMind and use it with GPT-5, Claude, Gemini, Grok, DeepSeek, Mistral, Llama, or a local model you run yourself — all on your own API keys.

Loaded only when it is needed
The system prompt carries just the name and description. The instructions are fetched on the first matching request, so an idle skill costs nothing.
Switch models mid-chat
Because the skill is instructions rather than code, changing model does not break it — the next model reads the same SKILL.md.

Skill instructions

This is the SKILL.md content the model loads. Read it before installing — a skill is instructions your model will follow.

CRE Lender/Credit Suite

You have access to 8 specialist lender/credit skills for U.S. commercial real estate lending and credit administration.

Available Skills

Skill	File	Use When
Loan Request Screening and Sizing	`skills/loan-request-screening-and-sizing.md`	User needs an incoming loan request screened for product and policy fit, sized under every applicable test, and a pursue / pursue with structure / decline verdict
Sponsor and Guarantor Analyst	`skills/sponsor-and-guarantor-analyst.md`	User needs sponsor or guarantor financial analysis, verified liquidity and net worth, global cash flow and global DSCR, or guaranty structure
Appraisal and Valuation Reviewer	`skills/appraisal-and-valuation-reviewer.md`	User needs a CRE appraisal or evaluation reviewed for regulatory compliance and analytical reasonableness, or an accept / condition / reject decision
Credit Memo Writer	`skills/credit-memo-writer.md`	User needs a CRE credit approval memorandum an approval authority, loan review, and an examiner can all read in the same order
Annual Loan Review and Risk Rating	`skills/annual-loan-review-and-risk-rating.md`	User needs the periodic review of an existing CRE loan, refreshed ratios and appraisal-age testing, and a confirmed or changed risk rating
Covenant Compliance and Watchlist Monitor	`skills/covenant-compliance-and-watchlist-monitor.md`	User needs covenant and reporting-obligation testing, or a watchlist placement, retention, or removal recommendation
Problem Loan and Modification Analyst	`skills/problem-loan-and-modification-analyst.md`	User needs a deteriorating loan classified, the source of impairment named, or resolution paths compared with a lender action plan
CRE Portfolio Concentration and Stress Tester	`skills/cre-portfolio-concentration-and-stress-tester.md`	User needs loan-book segmentation, supervisory concentration screening, sensitivity/scenario stress testing, or a board or ALCO-ready report

How to Use

Read the user's request to determine which lender/credit skill is needed.
Load the full skill file, for example: Read skills/credit-memo-writer.md.
Load relevant knowledge files when the skill asks for them.
Follow the Strategy steps exactly.
Produce output in the specified format.
Run Quality Checks before delivering results.

For deeper analysis, load knowledge bases:

knowledge/lender-credit-policy-benchmarks.md - lender credit policy benchmarks and underwriting guardrails across bank, credit union, debt fund, life company, agency, and CMBS lenders
knowledge/regulatory-risk-rating-and-classification.md - interagency risk rating scale, classification, nonaccrual, and workout treatment for regulated CRE lenders
knowledge/credit-memo-and-appraisal-review-standards.md - credit approval memorandum content and collateral valuation review standards for regulated lenders
knowledge/cre-concentration-and-stress-testing.md - CRE concentration screening criteria and stress-testing methodology for regulated depository lenders
knowledge/underwriting-calc.md - canonical CRE formulas
knowledge/risk-scoring.md - risk categorization for IC memo synthesis

If the user says "$ARGUMENTS", use that to determine which skill to load.

Quick Reference

Loan Request Screening and Sizing - Product and policy fit, sizing under every test, controlling test identification, pursue/decline verdict, indicative structure.

Sponsor and Guarantor Analyst - Personal and entity financials, verified liquidity and net worth, contingent liabilities and REO, global cash flow, track record, guaranty structure.

Appraisal and Valuation Reviewer - Regulatory compliance, analytical reasonableness, reconciliation to underwriting, accept/condition/reject decision.

Credit Memo Writer - Approval memorandum readable in the same order by approval authority, loan review, and examiners.

Annual Loan Review and Risk Rating - Refreshed NOI, DSCR, debt yield, LTV, appraisal age, rollover, sponsor condition, covenant status, rating migration.

Covenant Compliance and Watchlist Monitor - Covenant testing, reporting obligations, structural triggers, watchlist placement/retention/removal, action plan.

Problem Loan and Modification Analyst - Impairment classification, resolution-path comparison on recovery/timing/cost/accounting, downgrade triggers.

CRE Portfolio Concentration and Stress Tester - Loan-book segmentation, supervisory concentration criteria, sensitivity and scenario stress, rating migration and reserve pressure estimates.

Attribution

Built and maintained by The AI Consulting Network, the commercial real estate AI consulting practice of Avi Hacker, J.D., and part of CRE Agent Skills, an open-source library of AI skills for commercial real estate.

If this skill saved you time and you want systems like it built inside your firm, reach out. We would love to work with you.

Copyright 2026 Avi Hacker, J.D. / The AI Consulting Network. Licensed under the Apache License 2.0. This attribution notice must be retained in all copies, redistributions, and derivative works of this file.

Bundled files

The model reads these on demand while the skill is loaded. They are exposed as readable files and are never executed.

Frequently asked questions

What does the Cre Lender Credit AI skill do?

Why use Cre Lender Credit on TypingMind?

Because you install it once and use it with any model. Cre Lender Credit is plain Markdown rather than provider-specific code, so the same skill runs on GPT-5, Claude, Gemini, Grok, or a local model — and you can switch model mid-chat without it breaking. TypingMind runs on your own API keys, so you pay providers directly instead of a per-seat subscription, and your skills and chats stay in your own storage.

How do I install Cre Lender Credit in TypingMind?

Open Plugins → Skills → Install from GitHub in TypingMind and paste https://github.com/ahacker-1/cre-agent-skills/tree/main/claude-code-plugins/cre-lender-credit. TypingMind reads its SKILL.md and bundles its files and installs it as a skill you can enable per chat.

Which AI models can use Cre Lender Credit?

Any model you connect in TypingMind. AI skills are plain Markdown instructions rather than provider-specific code, so GPT, Claude, Gemini, Grok, and local models can all load this skill when a request matches it.

How many AI models can I use with Cre Lender Credit?

As many as you like. As long as a model supports skills, you can use Cre Lender Credit with it — GPT, Claude, Gemini, Grok, DeepSeek, Mistral, Llama and more — all on TypingMind with your own API keys.

Is the Cre Lender Credit AI skill free?

Yes. It is published on GitHub by ahacker-1 under the Apache-2.0 license. You only pay your own AI provider for the tokens you use.

What are AI skills?

An AI skill is a reusable instruction bundle that teaches an AI model how to do one specific task. It follows the open Agent Skills format: a SKILL.md file with a name and description, plus any scripts, templates or reference files the model may need. The model reads the instructions only when your request matches the skill, so an installed skill costs nothing until it is used.

How are AI skills different from plugins or MCP servers?

A plugin or MCP server gives a model new tools to call — code that runs somewhere and returns a result. An AI skill gives the model knowledge and process instead: how to approach a task, which steps to follow, what good output looks like. Skills are plain Markdown, so they need no server, no API key and no runtime, and they work with any model.

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Overview

Installation

Install in TypingMind

Install in another agent

Use it in TypingMind

Works with any AI model

Skill instructions

CRE Lender/Credit Suite

Available Skills

How to Use

Quick Reference

Attribution

Bundled files

Frequently asked questions

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