HIPAA Pre-Deployment Compliance Check
maziyarpanahi/openmed
Walks a data pipeline against the HIPAA Privacy and Security Rule checklist and produces a gap report before it processes patient data.
Run a quarterly loan covenant compliance review: covenant table with required vs actual vs headroom, trend and trajectory-to-breach analysis, waiver and amendment options with pricing implications…
Install Loan Covenant Review
$ npx skills add mohitagw15856/pm-claude-skills --skill loan-covenant-review -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills loan-covenant-review --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/loan-covenant-review .claude/skills/loan-covenant-review && rm -rf skills-srcUse ~/.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/
Install the "loan-covenant-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/loan-covenant-review into .claude/skills/loan-covenant-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "loan-covenant-review", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/loan-covenant-reviewType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add mohitagw15856/pm-claude-skills --skill loan-covenant-review -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills loan-covenant-review --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/loan-covenant-review .agents/skills/loan-covenant-review && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "loan-covenant-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/loan-covenant-review into .agents/skills/loan-covenant-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "loan-covenant-review", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill loan-covenant-review -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills loan-covenant-review --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/loan-covenant-review .cursor/skills/loan-covenant-review && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "loan-covenant-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/loan-covenant-review into .cursor/skills/loan-covenant-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "loan-covenant-review", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/mohitagw15856/pm-claude-skills.git --path skills/loan-covenant-review--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add mohitagw15856/pm-claude-skills --skill loan-covenant-review -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills loan-covenant-review --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/loan-covenant-review .gemini/skills/loan-covenant-review && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "loan-covenant-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/loan-covenant-review into .gemini/skills/loan-covenant-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "loan-covenant-review", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install mohitagw15856/pm-claude-skills loan-covenant-reviewInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add mohitagw15856/pm-claude-skills --skill loan-covenant-review -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/loan-covenant-review .github/skills/loan-covenant-review && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "loan-covenant-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/loan-covenant-review into .github/skills/loan-covenant-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "loan-covenant-review", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill loan-covenant-review -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills loan-covenant-review --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/loan-covenant-review .opencode/skills/loan-covenant-review && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "loan-covenant-review" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/loan-covenant-review into .opencode/skills/loan-covenant-review/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "loan-covenant-review", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
loan-covenant-review- GitHub stars
- 1.4k
- Token cost
- ~1.4k tokens
- SKILL.md length
- 633 words
- Files
- 1
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Run a quarterly loan covenant compliance review: covenant table with required vs actual vs headroom, trend and trajectory-to-breach analysis, waiver and amendment options with pricing implications…
- Asked to review covenant compliance
- SKILL.md covers What This Skill Produces, Required Inputs, Review Framework and Output Format, plus 3 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
- Check covenant headroom
What it does
Loan Covenant Review is an agent skill from mohitagw15856/pm-claude-skills. Run a quarterly loan covenant compliance review: covenant table with required vs actual vs headroom, trend and trajectory-to-breach analysis, waiver and amendment options with pricing implications, early-warning indicators, and a watch-list recommendation. Use when asked to review covenant compliance, check covenant headroom, assess a potential covenant breach, or prepare a quarterly borrower monitoring review. Produces a structured covenant review with headroom table, trajectory analysis, and recommended actions.
Its SKILL.md is about 1.4k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.
It sits in Legal & Compliance, covering Regulatory compliance. The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.
When your agent uses it
- Asked to review covenant compliance
- Check covenant headroom
- Assess a potential covenant breach
- Prepare a quarterly borrower monitoring review
Example prompts
- “/loan-covenant-review”
What it can do on your machine
Read from SKILL.md and the folder at commit 1cbf1f0. 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
No URLs in SKILL.md.
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
Loan Covenant Review loads about 1.4k tokens when it runs. Until then it costs about 135 tokens; SKILL.md has 633 words of instructions outside code blocks.
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 mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 633 words, ~1,407 tokens.
Download SKILL.mdSave it as
.claude/skills/loan-covenant-review/SKILL.md (or your agent's skills folder).- name
- loan-covenant-review
- description
- Run a quarterly loan covenant compliance review: covenant table with required vs actual vs headroom, trend and trajectory-to-breach analysis, waiver and amendment options with pricing implications, early-warning indicators, and a watch-list recommendation. Use when asked to review covenant compliance, check covenant headroom, assess a potential covenant breach, or prepare a quarterly borrower monitoring review. Produces a structured covenant review with headroom table, trajectory analysis, and recommended actions.
Loan Covenant Review Skill
Covenants are the bank's smoke detectors — but only if someone reads them as trends, not snapshots. This skill runs the quarterly discipline: where is each covenant now, which direction is it moving, when does the trend cross the line, and what do we do before it does.
What This Skill Produces
- A covenant compliance table: required vs actual vs headroom, with trend
- Trajectory-to-breach analysis for any tightening covenant
- Waiver/amendment options with typical pricing implications
- Qualitative early-warning indicators checked
- A watch-list / risk-grade recommendation
Required Inputs
Ask for what's missing; with partial data, compute what's computable and mark the rest [awaiting financials]:
- Facility & covenant package — each covenant's definition, required level, test frequency, cure rights
- Current-quarter financials and at least 2–4 prior quarters for trend
- Compliance certificate figures if the borrower has submitted one
- Relationship context — prior waivers, recent management contact, sector conditions
Review Framework
1. Covenant table. For each covenant: required level, actual, headroom % = (actual − required) ÷ required (sign-adjusted so positive = compliant for both maximum-leverage and minimum-coverage covenants). Recompute actuals from the definitions in the agreement — borrower certificates use borrower-friendly add-backs; note any definitional divergence.
2. Headroom bands:
| Headroom | Status | Response |
|---|---|---|
| >20% | Comfortable | Routine monitoring |
| 10–20% | Monitor | Note trend; quarterly attention |
| <10% | Early warning | Trajectory analysis, proactive borrower dialogue |
| Breached | Breach | Reservation of rights, waiver/amendment track, risk-grade review |
3. Trajectory-to-breach. For anything under 20% or trending down 2+ quarters: extend the trend 2–4 quarters and state the projected breach quarter with the assumption ("on the last 3 quarters' EBITDA slope, leverage crosses 3.5x in Q2"). Label it a trend projection, not a forecast. Seasonality: compare year-on-year quarters before calling a trend.
4. Options if breach is likely or occurred. Frame the menu with typical pricing logic (calibrate to institution practice): one-off waiver (waiver fee, often bps on commitment); reset/amendment (amendment fee + margin step-up, often with tightened baskets, added reporting, or a sweep); equity cure if documented; standstill/reservation of rights while options are assessed. Note: accepting payment or staying silent after a known breach can prejudice rights — flag "reserve rights promptly" whenever a breach exists.
5. Early-warning indicators (qualitative). Check: late or requalified financials, auditor change or going-concern language, CFO/management turnover, maxed revolver utilisation creep, stretched payables, delayed compliance certificates, adverse sector news. Two or more present → recommend watch-list consideration even with numeric compliance.
Show full SKILL.md (249 more words)Show less
Output Format
Covenant review: [borrower / facility / test date]
1. Summary verdict — compliant / early warning / breach, one paragraph. 2. Covenant table — covenant | definition source | required | actual | headroom % | 4-quarter trend | status. 3. Trajectory analysis — projected breach quarter and assumptions, per tightening covenant. 4. Early-warning indicators — checklist with evidence. 5. Options & pricing implications — if relevant: waiver / amend / cure / reserve rights, with trade-offs. 6. Recommendation — grade/watch-list action, borrower conversation points, next review date.
End with: "This review is analytical support, not a credit or enforcement decision. Waivers, grading, and rights reservations follow your institution's credit policy and applicable regulation."
Quality Checks
- Headroom computed with correct sign for max vs min covenants
- Actuals recomputed from agreement definitions, or the reliance on borrower certificate is stated
- Every <20%-headroom or 2-quarter-declining covenant has a trajectory projection with stated assumptions
- Seasonality considered before a trend is called
- Any existing breach triggers an explicit reservation-of-rights flag
- Qualitative indicators reviewed, not just the numbers
Anti-Patterns
- Do not report compliance as a snapshot — a compliant covenant with three quarters of decay is the finding
- Do not accept borrower add-backs without checking them against the agreement's EBITDA definition
- Do not project a breach without stating the assumption the projection rides on
- Do not stay silent on a known breach — flag reservation of rights immediately
- Do not recommend a waiver without naming what the bank gets for it (fee, margin, information, structure)
Example Trigger Phrases
- "Review covenant compliance."
- "Check covenant headroom."
- "Assess a potential covenant breach."
- "Prepare a quarterly borrower monitoring review."
© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
Just SKILL.md in skills/loan-covenant-review of mohitagw15856/pm-claude-skills.
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Loan Covenant Review 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.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Loan Covenant Review this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1.4k | Automated safety check: Pass | MIT | |
| HIPAA Pre-Deployment Compliance Checkmaziyarpanahi/openmed | 5.5k | — | ~2k | Automated safety check: Pass | Apache-2.0 | |
| Hipaa ComplianceSushegaad/Claude-Skills-Governance-Risk-and-Compliance | 946 | 1 repos | ~2.3k | Automated safety check: Pass | MIT | |
| ISO Standards Readiness EvidenceK-Dense-AI/scientific-agent-skills | 48k | 1 repos | ~4.6k | Automated safety check: Notes | MIT | |
| Iso42001Sushegaad/Claude-Skills-Governance-Risk-and-Compliance | 946 | 1 repos | ~3.7k | Automated safety check: Pass | MIT | |
| Legal Compliance SearchSerein-81/financial_rag | 148 | — | ~1.6k | Automated safety check: Notes | None |
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Categories
Questions about Loan Covenant Review
What does Loan Covenant Review do?
Run a quarterly loan covenant compliance review: covenant table with required vs actual vs headroom, trend and trajectory-to-breach analysis, waiver and amendment options with pricing implications…. Loan Covenant Review is an agent skill from mohitagw15856/pm-claude-skills. Run a quarterly loan covenant compliance review: covenant table with required vs actual vs headroom, trend and trajectory-to-breach analysis, waiver and amendment options with pricing implications, early-warning indicators, and a watch-list recommendation.
When should I use Loan Covenant Review?
Loan Covenant Review fits situations like: asked to review covenant compliance; check covenant headroom; assess a potential covenant breach; prepare a quarterly borrower monitoring review.
How do I install Loan Covenant Review in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill loan-covenant-review -a claude-code`. Or copy the skill folder (skills/loan-covenant-review in mohitagw15856/pm-claude-skills) into .claude/skills/loan-covenant-review in your project. Claude Code loads it when a task matches its description.
How do I install Loan Covenant Review in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill loan-covenant-review -a codex`. Or copy the skill folder (skills/loan-covenant-review in mohitagw15856/pm-claude-skills) into .agents/skills/loan-covenant-review in your project. Codex loads it when a task matches its description.
Can I use Loan Covenant Review 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 mohitagw15856/pm-claude-skills --skill loan-covenant-review -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/loan-covenant-review, .gemini/skills/loan-covenant-review, .github/skills/loan-covenant-review and .opencode/skills/loan-covenant-review in your project.
What does Loan Covenant Review need to run?
SKILL.md names no scripts, command-line tools or credentials: Loan Covenant Review is instructions for the agent only.
Does Loan Covenant Review access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Loan Covenant Review 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 Loan Covenant Review use?
Loan Covenant Review is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Loan Covenant Review use?
About 1.4k tokens (SKILL.md is roughly 5.6k 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 Loan Covenant Review?
Skills that share tags, products or a category with Loan Covenant Review: HIPAA Pre-Deployment Compliance Check (maziyarpanahi/openmed, 5.5k stars), Hipaa Compliance (Sushegaad/Claude-Skills-Governance-Risk-and-Compliance, 946 stars), ISO Standards Readiness Evidence (K-Dense-AI/scientific-agent-skills, 48k stars) and Iso42001 (Sushegaad/Claude-Skills-Governance-Risk-and-Compliance, 946 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Loan Covenant Review?
mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.
Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.