{
  "markdown": "# Credit Memo Generation — Cowork Plugin\n\n*Developed by [Synechron Technologies PVT LTD](https://www.synechron.com)*\n\n---\n\n> **⚠️ Legal Disclaimer**\n>\n> This plugin is provided by Synechron on an \"AS IS\" and \"AS AVAILABLE\" basis, without warranties of any kind (express, implied, or statutory), including merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability. Synechron disclaims all liability for any loss, damage, claims, or third-party liabilities arising from or related to use of, or reliance on, the plugin or its outputs. Users are solely responsible for evaluating results, ensuring compliance with applicable laws/policies, and implementing appropriate safeguards before use in any production or regulated context. Synechron shall have no liability whatsoever in connection with the plugin or its outputs.\n>\n> See [DISCLAIMER.md](./DISCLAIMER.md) for full terms.\n\n---\n\nGenerate professional Credit Memorandums in Word, PDF, and PowerPoint with 10 embedded charts. Supports public and private companies. Uses authenticated API calls with SerpApi and SEC EDGAR keys.\n\n> ⚠️ **Important:** All outputs are AI-generated research aids and must be reviewed by a qualified credit professional before use in any lending decision. This plugin does not constitute financial advice.\n\n---\n\n## What's Included in v1.0.0\n\n| Feature | Details |\n|---|---|\n| Output formats | Word (.docx) + PDF (watermarked) + PowerPoint (.pptx) |\n| Charts/Visuals | 10 professional charts, embedded in all formats |\n| API key support | SerpApi + SEC EDGAR |\n| Private companies | Document upload + web fallback + gap log |\n| Internal ratings | Config, upload, or intake |\n| Financial history | 3–5 years + sector benchmarks |\n| Guardrails | 5-layer compliance enforcement |\n| Setup command | Key validation + connectivity check |\n| Sector thresholds | 6 industry categories |\n\n---\n\n## Setup\n\n### Step 1 — Add API Keys (Optional but Recommended)\nCopy the template and add your keys:\n```\nconfig/config.template.md  →  copy and rename to  →  config/config.local.md\n```\nThen open `config.local.md` and fill in:\n\n**SerpApi Key** — Get free at https://serpapi.com/dashboard\n```\nSERPAPI_KEY=your_actual_key_here\n```\n\n**SEC EDGAR User-Agent** — Not a password; a courtesy identifier required by the SEC.\nFormat: `\"OrganizationName contact@youremail.com\"`\n```\nSEC_EDGAR_KEY=Acme Credit Team analyst@acmebank.com\n```\n\n### Step 2 — Verify Setup\nRun the setup command to confirm connectivity:\n```\n/credit-memo-generation:setup\n```\n\n---\n\n## Commands\n\n| Command | Description |\n|---|---|\n| `/credit-memo-generation:setup` | Validate API keys and check connectivity |\n| `/credit-memo-generation:generate` | Full Credit Memo — Word + PDF + PowerPoint |\n| `/credit-memo-generation:quick-risk-check` | 2-minute preliminary risk screen |\n| `/credit-memo-generation:industry-snapshot` | Standalone industry analysis report |\n| `/credit-memo-generation:refresh-data` | Update existing memo with latest data |\n\n---\n\n## Output Files\n\n### Full Credit Memo (`/credit-memo-generation:generate`)\nThree files per analysis:\n- `Credit_Memo_[Company]_[Date].docx` — Full detailed memo (25–45 pages)\n- `Credit_Memo_[Company]_[Date].pdf` — Locked PDF with CONFIDENTIAL watermark\n- `Credit_Memo_[Company]_[Date]_Deck.pptx` — Executive summary deck (15–20 slides)\n\n### Charts Generated (10)\n1. Revenue & EBITDA Trend (5-Year)\n2. Profit Margins vs. Industry Benchmark\n3. Cash Flow Waterfall\n4. Balance Sheet Composition\n5. Key Financial Ratios Dashboard (Traffic Light)\n6. Credit Rating Scale Visual\n7. Industry Market Size & Growth\n8. SWOT Matrix (4-quadrant color)\n9. DSCR Stress Test (3 scenarios)\n10. Management Tenure Timeline\n\n---\n\n## Private Company Support\n\nWhen a private company is detected, the plugin prompts for document uploads and falls back to web search for missing data. All data is clearly tagged:\n\n- `[FROM UPLOAD — Management Provided]` — from uploaded documents\n- `[WEB ESTIMATE — Verify independently]` — from web search fallback\n- `[NOT AVAILABLE]` — not found from any source\n\nAll private company analyses include this disclaimer:\n> *\"This analysis is based on management-provided financials and/or web-sourced estimates. Independent verification is strongly recommended before credit approval.\"*\n\n---\n\n## Data Handling & Privacy\n\nUploaded documents (financial statements, bank statements, tax returns) are processed locally within your Cowork session. They are not transmitted to third parties beyond the data sources configured in `.mcp.json`. Handle all uploaded documents in accordance with your organization's data classification policies.\n\n---\n\n## Configuring Data Sources\n\nThe plugin ships with free public data sources out of the box. For production use, you can configure premium providers and your own internal systems via `config/data-sources.md`.\n\n### Built-in free sources (no configuration required)\n| Source | Usage |\n|---|---|\n| SEC EDGAR | 10-K, 10-Q, 8-K filings (User-Agent header required — see setup) |\n| SerpApi | Web/news/finance search (free tier: 100 searches/month) |\n| Stock Analysis | Financial statements, ratios |\n| Macrotrends | 10-year historical data |\n| DiscoverCI | Company intelligence |\n\n### Configurable premium sources\nAdd API keys to `config/config.local.md` and enable sources in `config/data-sources.md`:\n\n| Provider | What it unlocks | Config key |\n|---|---|---|\n| Bloomberg Terminal | Real-time data, full financials, ratings, M&A | `BLOOMBERG_KEY` |\n| Refinitiv / LSEG Eikon | Financial statements, estimates, news feeds | `REFINITIV_KEY` |\n| FactSet | Standardised financials, estimates, ownership | `FACTSET_KEY` |\n| S&P Capital IQ | Private company data, M&A comps, credit scores | `SP_CAPITAL_IQ_KEY` |\n| PitchBook | Private company financials, VC/PE deal data | `PITCHBOOK_KEY` |\n\n### Internal systems\nThe plugin can connect to your own databases and systems via `config/data-sources.md`:\n\n- **Internal financial database** — REST API or MCP connector; takes highest priority when configured\n- **Internal credit rating system** — REST API, MCP, or static CSV lookup table\n- **CRM (Salesforce, Dynamics)** — relationship history and existing facility data\n- **Document management (SharePoint, Box, Google Drive)** — for private company document ingestion\n\nSee `config/data-sources.md` for full setup instructions with examples for each source type.\n\n*Note: Always verify compliance with each source's Terms of Service for automated access.*\n\n---\n\n## Citations & Source Attribution\n\nEvery Credit Memo generated by this plugin includes:\n\n- **Inline citation numbers** `[1]`, `[2]`, etc. next to key figures in the document body\n- **Appendix A — Citations & References** — full table of all sources with URLs and retrieval dates\n- **Key Figure Citation Map** — links each major figure (revenue, ratings, ratios, market data) to its source\n\n---\n\n## Data Freshness Policy\n\nThe plugin enforces strict data freshness rules and will warn when data may be stale:\n\n| Data type | Maximum age before warning |\n|---|---|\n| Quarterly financials | 6 months |\n| Annual financials | 18 months |\n| Credit ratings | 12 months |\n| News coverage | 30-day minimum window required |\n| Industry/market data | 24 months |\n\nEvery output includes a **Data Freshness Summary** box in the Executive Summary showing the age of each data category and when data was retrieved.\n\nFreshness thresholds are configurable per organisation in `config/data-sources.md`.\n\n---\n\n## Disclaimer\n\nThis plugin is an AI-assisted research tool. All Credit Memorandums, risk assessments, and analyst recommendations generated by this plugin require review by a qualified credit professional before any lending decision is made.\n\nFor the full legal disclaimer covering warranties, liability, and compliance obligations, see [DISCLAIMER.md](./DISCLAIMER.md).\n\n---\n\n*Developed by [Synechron Technologies PVT LTD](https://www.synechron.com)*\n",
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