{{counterparty_name}}
Counterparty Name
Example: Example: Apex Industrial Supplies Ltd.
Enter the legal name of the counterparty.
Ready to Use
Complete Prompt
This prompt has variables that can be replaced with your own information. Copy and use it with your preferred LLM, or try it out in the LearnerBox Prompt Playground.
Act as a senior credit-risk analyst.
Develop a single-counterparty credit assessment and internal rating scorecard using the information provided below.
Counterparty:
{{counterparty_name}}
Industry and jurisdiction:
{{industry_jurisdiction}}
Financial information:
{{financial_information}}
Exposure and facility details:
{{exposure_details}}
Security, guarantees, and covenants:
{{security_covenants}}
Qualitative and behavioral information:
{{qualitative_information}}
Rating policy and scale:
{{rating_policy}}
Analysis requirements:
1. Verify data dates, currency, scope, and financial-statement quality.
2. Assess financial risk using:
- revenue and earnings stability;
- cash-flow generation;
- liquidity;
- leverage;
- interest coverage;
- debt maturity;
- working capital;
- asset quality;
- contingent liabilities; and
- forecast resilience.
3. Assess business risk using:
- industry conditions;
- market position;
- customer concentration;
- supplier concentration;
- management quality;
- governance;
- operational dependence;
- geographic risk;
- regulatory exposure; and
- competitive pressure.
4. Assess facility and transaction risk using:
- exposure at default;
- tenor;
- repayment source;
- seniority;
- security;
- guarantees;
- collateral value;
- covenant protection;
- utilization;
- settlement behavior; and
- wrong-way risk.
5. Build a weighted scorecard using only supplied or policy-approved weights and thresholds.
6. Map the score to the supplied internal rating scale.
7. Separate obligor risk from facility risk.
8. Identify overrides, exceptions, and qualitative adjustments.
9. Develop base and downside repayment-capacity scenarios.
10. Identify early-warning indicators and monitoring frequency.
11. Do not invent rating weights, default probabilities, recovery rates, collateral values, or policy thresholds.
12. Do not present the output as an external credit rating or lending decision.
13. Clearly identify the final judgment and approval steps required from authorized credit officers.
Present the result as:
{{output_format}}
Include:
- executive credit assessment;
- data-quality note;
- financial-risk analysis;
- business-risk analysis;
- facility and security review;
- scorecard;
- internal rating rationale;
- base and downside scenarios;
- exposure and concentration analysis;
- early-warning indicators;
- conditions or mitigants;
- information requests; and
- credit-committee questions.Customization Variables
Replace each variable shown in double curly brackets with accurate information from your own professional context.
{{industry_jurisdiction}}
Industry and Jurisdiction
Example: Example: Industrial distribution, India
Industry and jurisdiction affect business and enforcement risk.
{{financial_information}}
Financial Information
Example: Paste audited statements, management accounts, cash flows, ratios, forecasts, and notes.
Include several periods and identify whether information is audited or unaudited.
{{exposure_details}}
Exposure and Facility Details
Example: List limits, current exposure, utilization, tenor, pricing, repayment terms, and settlement history.
Separate current and potential future exposure.
{{security_covenants}}
Security, Guarantees, and Covenants
Example: Describe collateral, valuation dates, seniority, guarantees, covenants, and legal enforceability reviews.
Use verified legal and valuation information.
{{qualitative_information}}
Qualitative and Behavioral Information
Example: Provide management, governance, industry, customer, supplier, payment, and conduct information.
Qualitative information should be evidence based and attributable.
{{rating_policy}}
Rating Policy and Scale
Example: Paste approved factors, weights, thresholds, rating grades, and override rules.
The AI should not create an unofficial rating scale.
{{output_format}}
Output Format
Choose the format required by the internal credit process.
Expected Output
A transparent single-counterparty credit assessment containing financial, business, facility, security, scenario, concentration, rating, monitoring, and governance analysis.
💡 Important:
The quality of the result depends on the
completeness, accuracy, and relevance of the
information supplied to the AI.
Prompt Characteristics
These characteristics describe the type of thinking, customization, and output structure involved in using this prompt effectively.
Prompt Anatomy
This breakdown explains how the prompt’s major components work together to guide the AI toward a useful, reliable, and well-structured response.
Role
Positions the AI as a senior credit-risk analyst.
Context
Combines financial, qualitative, exposure, facility, security, covenant, and policy data.
Task
Requires a transparent internal credit assessment and rating rationale.
Constraints
Prevents invented weights, PDs, recoveries, collateral values, thresholds, and external ratings.
Output Structure
Requires financial, business, facility, scorecard, scenario, monitoring, and committee sections.
Input Variables
Counterparty, industry, financials, exposure, security, qualitative information, rating policy, and output format.
Customization Tips
- Provide the approved internal rating policy and scale.
- Separate obligor risk from transaction or facility risk.
- Include exposure, utilization, tenor, security, and repayment source.
- Use audited figures where available and label management information clearly.
- Document all overrides and require authorized credit approval.
Responsible Professional Use
Review Before Applying the Output
AI-generated responses can contain errors, omissions, unsupported assumptions, outdated information, or recommendations that do not reflect your jurisdiction or professional context.
Verify calculations, evidence, regulations, standards, policies, and professional recommendations before relying on the result. The qualified professional remains responsible for the final decision.