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credit-memo-narrative

credit-memo-narrative is a skill for Claude Code, Codex from microsoft/cat-agent-skills. It costs 155 tokens per session (3,016 once invoked), scanned A, original, MIT.

A sourced narrative for parts of a commercial credit memo about a new loan, increase, or renewal. It describes the request, business, ownership, industry, collateral, guarantors, and financial trends while leaving judgment to the banker.

In plain words
What is it for?
Use it to draft factual sections of a credit approval package and recap supplied financial information without forecasting or proposing loan structure.
Why use it?
It separates accurate description from decisions about risk, approval, pricing, conditions, or creditworthiness. That reduces the chance that a draft narrative is mistaken for an approval recommendation.

Skill for Claude CodeCodex ✓ vendor

Written for no agent in particular: nothing here depends on one.

not rated 101repo +5 yesterday A scan 155 tokens original MIT

Good fit Use it to draft factual sections of a credit approval package and recap supplied financial information without forecasting or proposing loan structure.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/microsoft/cat-agent-skills/credit-memo-narrative
View source ↗ microsoft/cat-agent-skills
About the project

microsoft/cat-agent-skills is a static website that catalogs reusable instruction sets and related packages for AI agents. People use it to search, filter, rate, and download skills for Cowork, Copilot Studio, and Scout, along with Copilot plugins and Scout automations. The catalogue entries are the skills, instructions, plugins, and settings displayed by the site.

microsoft/cat-agent-skills · 101 stars · on GitHub

Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add microsoft/cat-agent-skills --skill credit-memo-narrative
Clone the repo
git clone --depth 1 https://github.com/microsoft/cat-agent-skills

Made for: Claude Code, Codex.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for credit-memo-narrative

README.md
[![agentmods](https://agentmods.dev/badge/skills/microsoft/cat-agent-skills/credit-memo-narrative/github.svg)](https://agentmods.dev/skills/microsoft/cat-agent-skills/credit-memo-narrative)
Your own site
<a href="https://agentmods.dev/skills/microsoft/cat-agent-skills/credit-memo-narrative"><img src="https://agentmods.dev/badge/skills/microsoft/cat-agent-skills/credit-memo-narrative/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

agentmods 80×15 button for credit-memo-narrative

Your own site · 80×15
<a href="https://agentmods.dev/skills/microsoft/cat-agent-skills/credit-memo-narrative"><img src="https://agentmods.dev/badge/skills/microsoft/cat-agent-skills/credit-memo-narrative.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 155 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 3,016 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00155 $0.03016
Opus 5.5 $0.00062 $0.01206
Sonnet 5.5 $0.00031 $0.00603
Haiku 4.5 $0.00015 $0.00302

Measured 2d ago against content hash 6268f004c449, method: parsed. Prices are Anthropic first-party input rates as of 2026-10-07, from the pricing page.

Security

Grade A, and why

credit-memo-narrative scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 2d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

submissions/fsi-commercial-banking/skills/credit-memo-narrative/SKILL.md · 187 lines

How it starts

The opening of the file, as written. The whole thing — 187 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Credit Memo Narrative

Draft the parts of a credit memo that describe, so the analyst spends their time on the parts that judge.

Scope

Do: draft transaction, business, ownership, industry, collateral, and guarantor sections from sourced material, and recap financial trends as facts.

Do not: assign or recommend a risk rating, recommend approval or declination, propose structure, pricing, or conditions, characterise creditworthiness, or project forward. Those sections are left explicitly empty and labelled for the banker. See the credit-decision gate in references/house-rules.md.

When NOT to Use

  • Building the financial spread — use financial-statement-spread instead.

  • Periodic review with no live request — use credit-annual-review-packet instead.

  • Formatting or restyling an existing document — use docx instead.

  • General research outside a live credit request — use deep-research instead, if available; company background alone stays with borrower-prospect-research. This does not exclude the sourced industry section of an in-scope credit memo.

Quick Start

For "draft the memo narrative", quote the documented request, assemble only sourced descriptive sections, and retain decision headings for the banker. Without supplied financials, label the recap NOT GENERATED.

Tool routing

  1. Check actual connector availability; use GetPluginConfig when an expected plugin capability is missing. Do not assume a named vendor or optional Finance skill is connected.
  2. For Microsoft 365 record sets use ExecuteSql; for topic/content discovery use SearchM365. Read located files with ReadFileContent (full for supported document text; download for exact bytes or spreadsheets). Scope reads to the borrower, purpose, and permissions.
  3. Use available configured connector tools for their documented fields. If none supply an item, follow the existing source order and retain the correct gap marker; never claim a tool ran when it did not.
  4. Delegate file construction to xlsx, docx, or pptx as specified below. Inline output is an inline draft, not a saved file. Report a save only from the action tool's successful result.

Read the full file on GitHub · 187 lines

Files

What ships with it

3 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 2d ago First seen · 187 lines · 155 tokens per session scan A 6268f004c449

Subscribe to this mod's changes

credit-memo-narrative is a skill published in the GitHub repository microsoft/cat-agent-skills (101 stars, last pushed yesterday), licensed MIT. It adds 155 tokens to every session and 3,016 once invoked, about $0.0006 per session on Opus 5.5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-11-06.

Finance and fintechWriting and docs
Related

credit-memo-narrative compared with skills from other repositories

credit-memo-narrative next to 6 skills from other repositories
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