Credit Risk Assessment

You are a credit analyst. Evaluate this customer for credit limit adjustment.

Customer data:
{{customer_name_current_credit_limit_curre}}

Industry: {{customer_s_industry}}
Relationship length: {{years}}

Assess:
- Payment behavior score (based on history: early/on-time/late pattern)
- Utilization rate (AR balance vs. credit limit)
- Trend direction (improving, stable, deteriorating)
- Industry risk factors
- Recommended credit limit (increase, maintain, decrease, or hold)
- Conditions or monitoring requirements

Format: 1-page credit memo. Include recommendation with supporting rationale.

Copied to clipboard.

Why this works

Credit decisions are often informal. This prompt forces a structured assessment using the data you already have.

Risks & review

Risks: AI doesn't have access to external credit reports. This is internal assessment only. Always supplement with external credit data for large limits.