Agent skill

Cre Lender Credit

by ahacker-1 in ahacker-1/cre-agent-skills

CRE Lender/Credit analysis suite - 8 specialist skills for U.S.

Apache-2.0Auto-check passedBusiness, Finance & HR

Install Cre Lender Credit

skills CLI
$ npx skills add ahacker-1/cre-agent-skills --skill cre-lender-credit -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install ahacker-1/cre-agent-skills cre-lender-credit --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/ahacker-1/cre-agent-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/claude-code-plugins/cre-lender-credit .claude/skills/cre-lender-credit && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
cre-lender-credit
GitHub stars
113
Token cost
~1.5k tokens
SKILL.md length
615 words
Files
16
Skills in repo
14
Repo updated
First seen
Licence
Apache-2.0

At a glance

CRE Lender/Credit analysis suite - 8 specialist skills for U.S.

  • Works in 6 steps: Read the user's request to determine… → Load the full skill file, for example:… → Load relevant knowledge files when the… → …
  • Tasks that involve Load testing
  • SKILL.md covers Available Skills, How to Use, Quick Reference and Attribution
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Cre Lender Credit is an agent skill from ahacker-1/cre-agent-skills. 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.

Its SKILL.md is about 1.5k tokens, which your agent loads only when the skill is triggered. The skill folder holds 17 other files (for example `README.md`, `knowledge/cre-concentration-and-stress-testing.md` and `knowledge/credit-memo-and-appraisal-review-standards.md`).

It sits in Business, Finance & HR, covering Load testing and Real estate. The repository describes itself as: Commercial real estate AI agent skills for CRE underwriting, due diligence, financing, brokerage, legal and closing workflows - standalone prompts for Claude Code, ChatGPT… The licence is Apache-2.0.

When your agent uses it

  • Tasks that involve Load testing
  • Tasks that involve Real estate

Example prompts

  • “/cre-lender-credit”

Workflow steps

6 steps, taken from the first numbered list in SKILL.md.

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

What it can do on your machine

Read from SKILL.md and the folder at commit a9a4e29. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    Links to these hosts (documentation or services it may open):

    • theaiconsultingnetwork.com

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Cre Lender Credit loads about 1.5k tokens when it runs. Until then it costs about 66 tokens; SKILL.md has 615 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~66
When it runs · the whole SKILL.md, loaded when a task matches
~1.5k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from ahacker-1/cre-agent-skills at commit a9a4e29, republished under its Apache-2.0 licence (© ahacker-1). 615 words, ~1,549 tokens.

Download SKILL.mdSave it as .claude/skills/cre-lender-credit/SKILL.md (or your agent's skills folder). This skill also uses 15 other files; get the full folder from GitHub.
name
cre-lender-credit
description
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.
argument-hint
[task-description]
license
Apache-2.0
metadata.author
Avi Hacker, J.D.
metadata.organization
The AI Consulting Network
metadata.homepage
https://www.theaiconsultingnetwork.com
metadata.source
https://github.com/ahacker-1/cre-agent-skills
metadata.copyright
Copyright 2026 Avi Hacker, J.D. / The AI Consulting Network

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

SkillFileUse When
Loan Request Screening and Sizingskills/loan-request-screening-and-sizing.mdUser 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 Analystskills/sponsor-and-guarantor-analyst.mdUser needs sponsor or guarantor financial analysis, verified liquidity and net worth, global cash flow and global DSCR, or guaranty structure
Appraisal and Valuation Reviewerskills/appraisal-and-valuation-reviewer.mdUser needs a CRE appraisal or evaluation reviewed for regulatory compliance and analytical reasonableness, or an accept / condition / reject decision
Credit Memo Writerskills/credit-memo-writer.mdUser 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 Ratingskills/annual-loan-review-and-risk-rating.mdUser 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 Monitorskills/covenant-compliance-and-watchlist-monitor.mdUser needs covenant and reporting-obligation testing, or a watchlist placement, retention, or removal recommendation
Problem Loan and Modification Analystskills/problem-loan-and-modification-analyst.mdUser needs a deteriorating loan classified, the source of impairment named, or resolution paths compared with a lender action plan
CRE Portfolio Concentration and Stress Testerskills/cre-portfolio-concentration-and-stress-tester.mdUser needs loan-book segmentation, supervisory concentration screening, sensitivity/scenario stress testing, or a board or ALCO-ready report

How to Use

  1. Read the user's request to determine which lender/credit skill is needed.
  2. Load the full skill file, for example: Read skills/credit-memo-writer.md.
  3. Load relevant knowledge files when the skill asks for them.
  4. Follow the Strategy steps exactly.
  5. Produce output in the specified format.
  6. 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.

Show full SKILL.md (238 more words)Show less

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.

© ahacker-1, Apache-2.0. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 15 other files in claude-code-plugins/cre-lender-credit of ahacker-1/cre-agent-skills.

  • SKILL.md
  • README.md
  • knowledge/cre-concentration-and-stress-testing.md
  • knowledge/credit-memo-and-appraisal-review-standards.md
  • knowledge/lender-credit-policy-benchmarks.md
  • knowledge/regulatory-risk-rating-and-classification.md
  • knowledge/risk-scoring.md
  • knowledge/underwriting-calc.md
  • skills/annual-loan-review-and-risk-rating.md
  • skills/appraisal-and-valuation-reviewer.md
  • skills/covenant-compliance-and-watchlist-monitor.md
  • skills/cre-portfolio-concentration-and-stress-tester.md
  • skills/credit-memo-writer.md
  • skills/loan-request-screening-and-sizing.md
  • skills/problem-loan-and-modification-analyst.md
  • skills/sponsor-and-guarantor-analyst.md

Open the folder on GitHubat commit a9a4e29

Compare with similar skills

Cre Lender Credit next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Cre Lender Credit compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Cre Lender Credit this skillahacker-1/cre-agent-skills113—~1.5kAutomated safety check: PassApache-2.0
Thue Tncn Vietnamdotanminh/thue-tncn-vietnam241—~2.8kAutomated safety check: PassNone
Performance Testingfacioquo/stock-indicators-dotnet1.2k—~1.1kAutomated safety check: PassApache-2.0
Apartment Finderhanzili/hanzi-browse177—~2.1kAutomated safety check: PassCustom licence
Realestate Commercialzubair-trabzada/ai-realestate-claude179—~3.2kAutomated safety check: PassMIT
Vet PRetewiah/awesome-real-estate375—~1.5kAutomated safety check: PassCC0-1.0

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Questions about Cre Lender Credit

What does Cre Lender Credit do?

CRE Lender/Credit analysis suite - 8 specialist skills for U.S. Cre Lender Credit is an agent skill from ahacker-1/cre-agent-skills.S.

When should I use Cre Lender Credit?

Cre Lender Credit fits situations like: tasks that involve Load testing; tasks that involve Real estate.

How do I install Cre Lender Credit in Claude Code?

Run `npx skills add ahacker-1/cre-agent-skills --skill cre-lender-credit -a claude-code`. Or copy the skill folder (claude-code-plugins/cre-lender-credit in ahacker-1/cre-agent-skills) into .claude/skills/cre-lender-credit in your project. Claude Code loads it when a task matches its description.

How do I install Cre Lender Credit in Codex?

Run `npx skills add ahacker-1/cre-agent-skills --skill cre-lender-credit -a codex`. Or copy the skill folder (claude-code-plugins/cre-lender-credit in ahacker-1/cre-agent-skills) into .agents/skills/cre-lender-credit in your project. Codex loads it when a task matches its description.

Can I use Cre Lender Credit in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add ahacker-1/cre-agent-skills --skill cre-lender-credit -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/cre-lender-credit, .gemini/skills/cre-lender-credit, .github/skills/cre-lender-credit and .opencode/skills/cre-lender-credit in your project.

What does Cre Lender Credit need to run?

SKILL.md names no scripts, command-line tools or credentials: Cre Lender Credit is instructions for the agent only.

Does Cre Lender Credit access the network?

SKILL.md names 1 domain. As links in the text: theaiconsultingnetwork.com. This is read from the text; nothing was executed.

Is Cre Lender Credit safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Cre Lender Credit use?

Cre Lender Credit is published under the Apache-2.0 licence (declared in SKILL.md). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Cre Lender Credit use?

About 1.5k tokens (SKILL.md is roughly 6.2k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Cre Lender Credit?

Skills that share tags, products or a category with Cre Lender Credit: Thue Tncn Vietnam (dotanminh/thue-tncn-vietnam, 241 stars), Performance Testing (facioquo/stock-indicators-dotnet, 1.2k stars), Apartment Finder (hanzili/hanzi-browse, 177 stars) and Realestate Commercial (zubair-trabzada/ai-realestate-claude, 179 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Cre Lender Credit?

ahacker-1 (a GitHub user) maintains it in ahacker-1/cre-agent-skills, which has 113 GitHub stars. The repository holds 14 skills in this directory. The repository was last updated on September 2, 2026.

Source: ahacker-1/cre-agent-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.