credit-memo
Generate institutional-grade Credit Memorandums in minutes. Automatically collects 3–5 years of financial data from SEC EDGAR, SerpApi, and
Open source Open in the app JSON README (API)
About
Generate institutional-grade Credit Memorandums in minutes. Automatically collects 3–5 years of financial data from SEC EDGAR, SerpApi, and major rating agencies. Outputs branded Word, PDF, and PowerPoint with 10 embedded charts, inline citations, and a 5-layer compliance guardrails system. Supports public and private companies.
Details
- Kind
- Plugins
- Topic
- Finance & crypto
- Publisher
- anthropic-plugin
- Origin
- marketplace
- Category
- ferramentas
- Last push
- 2026-04-21T06:11:01Z
- Repository state
- ativo
- Added
- 2026-08-30 01:48:58
- Updated
- 2026-08-30 01:48:58
- Origin id
anthropic-plugin/credit-memo-plugin/credit-memo
README
# Credit Memo Generation — Cowork Plugin *Developed by [Synechron Technologies PVT LTD](https://www.synechron.com)* --- > **⚠️ Legal Disclaimer** > > 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. > > See [DISCLAIMER.md](./DISCLAIMER.md) for full terms. --- Generate 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. > ⚠️ **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. --- ## What's Included in v1.0.0 | Feature | Details | |---|---| | Output formats | Word (.docx) + PDF (watermarked) + PowerPoint (.pptx) | | Charts/Visuals | 10 professional charts, embedded in all formats | | API key support | SerpApi + SEC EDGAR | | Private companies | Document upload + web fallback + gap log | | Internal ratings | Config, upload, or intake | | Financial history | 3–5 years + sector benchmarks | | Guardrails | 5-layer compliance enforcement | | Setup command | Key validation + connectivity check | | Sector thresholds | 6 industry categories | --- ## Setup ### Step 1 — Add API Keys (Optional but Recommended) Copy the template and add your keys: ``` config/config.template.md → copy and rename to → config/config.local.md ``` Then open `config.local.md` and fill in: **SerpApi Key** — Get free at https://serpapi.com/dashboard ``` SERPAPI_KEY=your_actual_key_here ``` **SEC EDGAR User-Agent** — Not a password; a courtesy identifier required by the SEC. Format: `"OrganizationName contact@youremail.com"` ``` SEC_EDGAR_KEY=Acme Credit Team analyst@acmebank.com ``` ### Step 2 — Verify Setup Run the setup command to confirm connectivity: ``` /credit-memo-generation:setup ``` --- ## Commands | Command | Description | |---|---| | `/credit-memo-generation:setup` | Validate API keys and check connectivity | | `/credit-memo-generation:generate` | Full Credit Memo — Word + PDF + PowerPoint | | `/credit-memo-generation:quick-risk-check` | 2-minute preliminary risk screen | | `/credit-memo-generation:industry-snapshot` | Standalone industry analysis report | | `/credit-memo-generation:refresh-data` | Update existing memo with latest data | --- ## Output Files ### Full Credit Memo (`/credit-memo-generation:generate`) Three files per analysis: - `Credit_Memo_[Company]_[Date].docx` — Full detailed memo (25–45 pages) - `Credit_Memo_[Company]_[Date].pdf` — Locked PDF with CONFIDENTIAL watermark - `Credit_Memo_[Company]_[Date]_Deck.pptx` — Executive summary deck (15–20 slides) ### Charts Generated (10) 1. Revenue & EBITDA Trend (5-Year) 2. Profit Margins vs. Industry Benchmark 3. Cash Flow Waterfall 4. Balance Sheet Composition 5. Key Financial Ratios Dashboard (Traffic Light) 6. Credit Rating Scale Visual 7. Industry Market Size & Growth 8. SWOT Matrix (4-quadrant color) 9. DSCR Stress Test (3 scenarios) 10. Management Tenure Timeline --- ## Private Company Support When 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: - `[FROM UPLOAD — Management Provided]` — from uploaded documents - `[WEB ESTIMATE — Verify independently]` — from web search fallback - `[NOT AVAILABLE]` — not found from any source All private company analyses include this disclaimer: > *"This analysis is based on management-provided financials and/or web-sourced estimates. Independent verification is strongly recommended before credit approval."* --- ## Data Handling & Privacy Uploaded 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. --- ## Configuring Data Sources The 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`. ### Built-in free sources (no configuration required) | Source | Usage | |---|---| | SEC EDGAR | 10-K, 10-Q, 8-K filings (User-Agent header required — see setup) | | SerpApi | Web/news/finance search (free tier: 100 searches/month) | | Stock Analysis | Financial statements, ratios | | Macrotrends | 10-year historical data | | DiscoverCI | Company intelligence | ### Configurable premium sources Add API keys to `config/config.local.md` and enable sources in `config/data-sources.md`: | Provider | What it unlocks | Config key | |---|---|---| | Bloomberg Terminal | Real-time data, full financials, ratings, M&A | `BLOOMBERG_KEY` | | Refinitiv / LSEG Eikon | Financial statements, estimates, news feeds | `REFINITIV_KEY` | | FactSet | Standardised financials, estimates, ownership | `FACTSET_KEY` | | S&P Capital IQ | Private company data, M&A comps, credit scores | `SP_CAPITAL_IQ_KEY` | | PitchBook | Private company financials, VC/PE deal data | `PITCHBOOK_KEY` | ### Internal systems The plugin can connect to your own databases and systems via `config/data-sources.md`: - **Internal financial database** — REST API or MCP connector; takes highest priority when configured - **Internal credit rating system** — REST API, MCP, or static CSV lookup table - **CRM (Salesforce, Dynamics)** — relationship history and existing facility data - **Document management (SharePoint, Box, Google Drive)** — for private company document ingestion See `config/data-sources.md` for full setup instructions with examples for each source type. *Note: Always verify compliance with each source's Terms of Service for automated access.* --- ## Citations & Source Attribution Every Credit Memo generated by this plugin includes: - **Inline citation numbers** `[1]`, `[2]`, etc. next to key figures in the document body - **Appendix A — Citations & References** — full table of all sources with URLs and retrieval dates - **Key Figure Citation Map** — links each major figure (revenue, ratings, ratios, market data) to its source --- ## Data Freshness Policy The plugin enforces strict data freshness rules and will warn when data may be stale: | Data type | Maximum age before warning | |---|---| | Quarterly financials | 6 months | | Annual financials | 18 months | | Credit ratings | 12 months | | News coverage | 30-day minimum window required | | Industry/market data | 24 months | Every output includes a **Data Freshness Summary** box in the Executive Summary showing the age of each data category and when data was retrieved. Freshness thresholds are configurable per organisation in `config/data-sources.md`. --- ## Disclaimer This 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. For the full legal disclaimer covering warranties, liability, and compliance obligations, see [DISCLAIMER.md](./DISCLAIMER.md). --- *Developed by [Synechron Technologies PVT LTD](https://www.synechron.com)*