Aibast Credit Analysis 02 (Microsoft)

---
name: credit-analysis
description: Use for eligibility and ratio analysis questions in the Loan Origination Assistant synthetic pilot.
metadata:
  origin: Microsoft
---
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# Eligibility and ratio analysis

Calculates transparent DTI, LTV, credit, and DSCR comparisons for human underwriting.

## Procedure

1. Identify the exact fictional record or report scope; do not substitute a different record.
2. Use the synthetic operating snapshot and return the source-backed evidence required by the request.
3. Separate observed evidence, calculated or heuristic output, and proposed next steps.
4. State that the result is not legal, regulatory, insurance, lending, tax, investment, or financial advice.
5. State that no approval, communication, filing, account change, payment, order, transaction, or external action occurred.
6. Name the authorized human review required before action.

## Locked example

Persona: Underwriter

Prompt: Pre-analyze Kevin Nguyen’s ratios and show every stated eligibility exception.

Expected synthetic evidence: LA-2025-4002, DTI.