Small Business Banking Credit Risk - Pro Version
by Younna AI
Professional SMB credit underwriting advisor with multi-source data correlation and 10+ industry-specific risk models.
- Generate weighted SMB risk scores from bank, accounting, and bureau data.
- Identify revenue inflation by cross-referencing QuickBooks vs. bank deposits.
- Produce examiner-ready ECOA/Reg B adverse action notices and audit trails.
$15
One-time purchase · Own forever
Included in download
- Generate weighted SMB risk scores from bank, accounting, and bureau data.
- Identify revenue inflation by cross-referencing QuickBooks vs. bank deposits.
- Includes example output and usage patterns
See it in action
Risk Score: 62/100 (Tier C) Confidence: High (Bank), Medium (Accounting) Flag: 12% YoY growth in QuickBooks not reflected in flat bank deposits. Industry Note: Construction headwinds detected via news. Recommendation: Approve with conditions (90-day review). Compliance: Reg B Notice generated.
Small Business Banking Credit Risk - Pro Version
by Younna AI
Professional SMB credit underwriting advisor with multi-source data correlation and 10+ industry-specific risk models.
$15
One-time purchase · Own forever
⚡ Also available via Agensi MCP — your AI agent can load this skill on demand via MCP. Learn more →
Included in download
- Generate weighted SMB risk scores from bank, accounting, and bureau data.
- Identify revenue inflation by cross-referencing QuickBooks vs. bank deposits.
- Includes example output and usage patterns
- Instant install
- One-time purchase
See it in action
Risk Score: 62/100 (Tier C) Confidence: High (Bank), Medium (Accounting) Flag: 12% YoY growth in QuickBooks not reflected in flat bank deposits. Industry Note: Construction headwinds detected via news. Recommendation: Approve with conditions (90-day review). Compliance: Reg B Notice generated.
About This Skill
High-Precision SMB Underwriting Briefings
The SMB Credit Risk Tool transforms the traditionally slow and fragmented commercial lending process into a structured, data-driven workflow. It roles-plays as a senior commercial credit underwriter to synthesize multi-source data—including bank feeds, accounting platforms, credit bureaus, and alternative datasets—into a comprehensive risk briefing.
What it does
By correlating data from Plaid/Finicity, QuickBooks/Xero, and major credit bureaus, this skill identifies critical revenue contradictions and fraud signals that single-source analysis misses. It applies a weighted scoring model (35% Cash Flow, 25% Accounting, 20% Bureau, 15% Alt-Data, 5% Public Records) to provide a nuanced view of borrower health.
Why use this skill
- 5-Source Correlation: Automatically flags inconsistencies between accounting revenue and actual bank deposits.
- Industry-Specific Calibration: Utilizes 10 tailored models for industries like construction and retail, adjusting for seasonality and sector-specific risks.
- Compliance Ready: Generates ECOA/Reg B adverse action notices and maps data to Section 1071 fields for regulatory examiners.
- Fraud Detection: Includes a dedicated fraud intensity score based on known typologies and pattern recognition.
Supported Frameworks
Optimized for use with Claude Code and OpenCode, this skill outputs structured JSON briefings perfect for integration into internal LOS (Loan Origination Systems) or credit committee memos.
Use Cases
- Generate weighted SMB risk scores from bank, accounting, and bureau data.
- Identify revenue inflation by cross-referencing QuickBooks vs. bank deposits.
- Produce examiner-ready ECOA/Reg B adverse action notices and audit trails.
- Assess industry-specific risk for construction, retail, and 8 other sectors.
How to Install
unzip small-business-banking-credit-risk-pro-version.zip -d ~/.claude/skills/Reviews
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