{"schema":"ai-blocks-role/1","id":"review-maturity-funding-and-credit-limits","name":"Debt maturity funding checker","summary":"Share debt dates, usable cash, confirmed loans and credit limits. Get a funding schedule, shortfalls and exposure checks.","area":"finance","family":{"id":"raise-funding","name":"Plan funding and ownership"},"lead":"review-maturity-funding-and-credit-limits","featured":false,"contextKind":"personal","deliverables":["A maturity ladder with the cash, funding and running shortfall at each date","Any maturity left with no confirmed funding","A connected exposure bridge, with the total against your limit and the gap or room","A note on any refinancing from the same party that also counts as exposure","A list of what is MISSING and which checks were missed"],"inputs":["The contractual maturity dates and amounts, in three dated buckets","Accessible opening cash and the cash expected after operations","Confirmed refinancing proceeds, with dates and the lender","The minimum cash floor you keep","Funded exposure, undrawn commitments and exposure to connected parties","The approved conversion factor for undrawn commitments and your dated exposure limit"],"opening":{"give":["Confirmed refinancing proceeds, with dates and the lender","The minimum cash floor you keep"],"get":["A maturity ladder with the cash, funding and running shortfall at each date","Any maturity left with no confirmed funding","A connected exposure bridge, with the total against your limit and the gap or room","A note on any refinancing from the same party that also counts as exposure"]},"helpfulInputs":["Signed facility letters for each refinancing you count.","The written exposure limit policy."],"fit":["Several loans fall due in the next year and you want to see which gap comes first.","A refinancing is not signed yet and you need to know how short you are without it.","You lend to one borrower or group and want total exposure, including undrawn lines.","A credit committee asks for a maturity and limit exceptions pack."],"limits":["You only need the order of cash payments and receipts by date: use the Payment timing cash balance planner.","You want a plan to restructure debt you cannot pay: use the Debt restructuring plan drafter.","You check one loan's cash sweep: use the Excess cash debt payment checker.","You want approval to lend: this is a check, not a credit decision. Approval stays with your committee."],"tools":["A chat AI with a spreadsheet tool: It can build the ladder and reopen the workbook. In plain chat you get the tables as text.","Claude, ChatGPT or Gemini: Any of them can do these sums in a chat and show each step.","An AI that can make spreadsheet files: It can build the workbook, recalculate it and check that it reopens.","Node.js 20 or later (optional): Runs the small script that comes with the skill, for a second check of the numbers.","Claude, ChatGPT or Gemini: Any of them can do these sums in a chat."],"method":["Download the workflow pack and add it to Claude, ChatGPT or Gemini, in a chat that accepts files.","Attach the maturity schedule, the cash forecast, the facility letters and your limit policy. Give the reporting date and currency.","Ask your AI to follow the pack, save a file for each step and stop a step when an input is missing.","After step 1, check that every funding line in the ladder is confirmed in writing. Remove any that is only hoped for.","After step 2, check the conversion factor and limit against the approved policy before the pack goes to committee. A spreadsheet tool is needed for the workbook. Without one, your AI gives the tables in chat."],"capabilities":[{"name":"Debt maturity funding ladder","description":"Rolls accessible cash and confirmed funding through each contractual maturity. Leaves every unfunded maturity in view. Hands step 2 any refinancing from the same party, with its amount and date, as an observation."},{"name":"Credit exposure limit checker","description":"Adds funded exposure, undrawn commitments at your approved factor and other connected exposure. Compares the total with the monitoring limit. Never counts unused limit room as funding in step 1."}],"expertise":{"principles":["Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.","Show the calculation, inputs and period for every figure.","Label actuals, estimates and forecasts clearly.","Send tax, legal and regulatory questions to a qualified professional."],"pitfalls":["Mixing cash and accrual figures, or different periods, in one comparison.","Rounding or formula errors that do not tie back to totals.","Giving personal investment advice."],"quality":["Only confirmed proceeds fund a maturity. Unused exposure limit is not cash and not loan approval. Funding and monitoring limits stay separate.","Each material input traces to its source, date, currency, scale, sign and period. Unresolved items stay as MISSING: lines.","Each ladder row ties to the one before it: the opening position plus cash and funding in, less maturities, equals the closing position. The shortfall is measured against the floor.","The exposure total uses the approved conversion factor from the written limit policy, and the limit has a date.","Each refinancing counted has a signed facility letter. Anything without one stays out of the totals.","Real zeros, unavailable evidence and inapplicable ratios are told apart. No statement is forced to tie with an unexplained plug.","Totals tie out, and differences are explained line by line."],"sources":{"learned":0,"curated":false,"method":6,"source":0,"area":"finance"}},"workedExample":{"situation":"Several loans fall due in the next year and you want to see which gap comes first.","task":"Share debt dates, usable cash, confirmed loans and credit limits. Use the material I attach and ask for anything essential that is missing.","given":["Loan maturity dates and amounts","Cash now, cash after operations and confirmed refinancing","Funded and undrawn exposure to the borrower or group","Your approved factor and exposure limit"],"outputs":[{"name":"outputs/step-1-debt-maturity-funding-ladder.md","contains":"Cash and confirmed funding rolled through each maturity, with cumulative shortfalls."},{"name":"outputs/step-2-credit-exposure-limit-checker.md","contains":"The connected exposure bridge and the gap or room against the limit."},{"name":"Exceptions list","contains":"Each unfunded maturity and each exposure over the limit, with its source."},{"name":"HAND-BACK SUMMARY","contains":"Files saved, sources used, MISSING lines, checks missed and one suggested next step."}]},"example":"Share debt dates, usable cash, confirmed loans and credit limits. Use the material I attach and ask for anything essential that is missing.","functions":[{"name":"Debt maturity funding checker","description":"Share debt dates, usable cash, confirmed loans and credit limits. Get a funding schedule, shortfalls and exposure checks.","method":"review-maturity-funding-and-credit-limits","when":["Several loans fall due in the next year and you want to see which gap comes first.","A refinancing is not signed yet and you need to know how short you are without it.","You lend to one borrower or group and want total exposure, including undrawn lines.","A credit committee asks for a maturity and limit exceptions pack."],"inputs":["The contractual maturity dates and amounts, in three dated buckets","Accessible opening cash and the cash expected after operations","Confirmed refinancing proceeds, with dates and the lender","The minimum cash floor you keep","Funded exposure, undrawn commitments and exposure to connected parties","The approved conversion factor for undrawn commitments and your dated exposure limit"],"deliverables":["A maturity ladder with the cash, funding and running shortfall at each date","Any maturity left with no confirmed funding","A connected exposure bridge, with the total against your limit and the gap or room","A note on any refinancing from the same party that also counts as exposure","A list of what is MISSING and which checks were missed"]},{"name":"Debt repayment funding planner","description":"Share debt due dates, cash and confirmed funding. Get a repayment schedule with funding gaps shown.","method":"debt-maturity-funding-ladder","when":["Three loans or bonds fall due in the next year and you want to see where cash runs short.","A lender or board member asks which maturity is the tightest.","You are deciding whether to refinance early and need the size of the gap first.","A refinancing is signed for one maturity and you want to see what it leaves for the next two."],"inputs":["Opening cash you can reach, leaving out trapped or restricted cash (from your bank balances or treasury report)","Three maturity dates and amounts (from the loan agreements or your debt schedule)","Cash you expect to add before each maturity, after running costs (from your cash forecast)","Refinancing already signed for each date (from the signed loan or term sheet)","Your minimum cash, the floor you must stay above (from loan terms or company policy)","The currency and units, such as USD in millions","Your own cash spreadsheet (optional)"],"deliverables":["Closing cash after each of the three maturities","The largest gap below your minimum cash, or a note that there is none","A ladder that shows each step: opening cash, cash added, refinancing, repayment, closing cash","Any refinancing that is only a proposal, listed as an open option and not counted","A list of missing facts and checks that could not run","A small workbook with the same sums, if your AI can make files"]},{"name":"Credit limit exposure checker","description":"Share loans, undrawn commitments and your limit. Check total exposure and the room left under that limit.","method":"credit-exposure-limit-checker","when":["A new loan request would raise your exposure to a borrower group, and you want to know if it fits the limit.","A monthly report shows a group near its limit, and you want the figures behind it.","A borrower's credit line is increased, and you want to see how the weighted undrawn amount changes exposure.","A reviewer asks how total group exposure was built."],"inputs":["The amount the borrower group has drawn (from the loan ledger or facility report)","The undrawn amount the group can still draw (from the facility terms)","The monitoring factor you apply to undrawn amounts, such as 50% (from your credit policy)","Exposure to other connected borrowers in the same group (from your loan ledger)","The dated exposure limit (from your credit policy or approval)","The currency and units, such as USD thousands, and the reporting date","Your own exposure spreadsheet (optional)"],"deliverables":["The undrawn amount after your monitoring factor","Total group exposure","Headroom under the limit, or the excess over it","A check that the parts add up to the total","A list of missing facts, scope gaps and checks it could not run","A small workbook with the same sums, if your AI can make files"]},{"name":"New loan cash proceeds checker","description":"Share debt terms and fees. Separate the amount owed from the cash received after discounts and charges.","method":"debt-issue-proceeds-checker","when":["You have a loan or bond issued below par and need to know the real cash received.","You are checking acquisition financing and a lender's funding figure looks low.","A reviewer wants to trace net proceeds back to the contract and the funding statement.","You want to be sure no fee was taken out twice."],"inputs":["Debt face amount, from the signed contract.","Issue price as a share of par, from the contract.","Upfront cash fees, listed one by one.","Your actual funding statement showing the cash received.","Reporting date, currency and scale (for example, thousands).","Your spreadsheet tool and the file format you want (optional)."],"deliverables":["Original issue discount, worked out as face less face times the issue-price fraction.","Gross cash and usable net proceeds, worked out as face times the fraction, less fees.","A tie between your result and the funding statement.","An editable workbook, if you ask for one.","A list of missing inputs and checks that did not run."]},{"name":"me.md builder","description":"Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.","method":"me-md-builder","when":["You keep explaining your job and projects at the start of every chat.","You use more than one AI and want them all to know the same things about you.","Your AI gives you answers that don't sound like you or don't fit your work."],"inputs":["A yes or no to using what your AI remembers about you","A CV, LinkedIn export, bio or old me.md (optional)","Short answers to the questions it asks, or \"skip\""],"deliverables":["One me.md file with up to ten dated sections","A list of facts taken from memory, for you to check","A short note of what it removed for privacy","The two next steps, to save it and set it up"]}],"resources":[{"slug":"review-maturity-funding-and-credit-limits","name":"Debt maturity funding checker","summary":"Share debt dates, usable cash, confirmed loans and credit limits. Get a funding schedule, shortfalls and exposure checks.","task":"raise-funding","kind":"workflow","path":"/workflows/review-maturity-funding-and-credit-limits","revision":"711b4e8d69a092c0f18acae591aae3fb9d888c51a546c8e1dba246917e1e3d53","skillPath":"/skills/review-maturity-funding-and-credit-limits/SKILL.md","bundled":false,"onboarding":false},{"slug":"debt-maturity-funding-ladder","name":"Debt repayment funding planner","summary":"Share debt due dates, cash and confirmed funding. Get a repayment schedule with funding gaps shown.","task":"raise-funding","kind":"skill","path":"/skills/debt-maturity-funding-ladder","revision":"5f0a672a20101bfc8d15cdaedc65f8309253b7f695499fd6ff65d02bdf419526","skillPath":"/skills/debt-maturity-funding-ladder/SKILL.md","bundled":true,"onboarding":false},{"slug":"credit-exposure-limit-checker","name":"Credit limit exposure checker","summary":"Share loans, undrawn commitments and your limit. Check total exposure and the room left under that limit.","task":"money-and-investing","kind":"skill","path":"/skills/credit-exposure-limit-checker","revision":"30a607d8d45c510f2ae3f84e5289843f5a319b04e1fbfdd184e997b44ccea0a9","skillPath":"/skills/credit-exposure-limit-checker/SKILL.md","bundled":true,"onboarding":false},{"slug":"debt-issue-proceeds-checker","name":"New loan cash proceeds checker","summary":"Share debt terms and fees. Separate the amount owed from the cash received after discounts and charges.","task":"money-and-investing","kind":"skill","path":"/skills/debt-issue-proceeds-checker","revision":"a7e55212ac78721b5bda68050470f01f9941e83b3079121484b98f29235deaf0","skillPath":"/skills/debt-issue-proceeds-checker/SKILL.md","bundled":false,"onboarding":false,"support":true},{"slug":"me-md-builder","name":"me.md builder","summary":"Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.","task":"set-up-ai","kind":"skill","path":"/skills/me-md-builder","revision":"3d3708ece93a4a1058ee40604e2adf1d50865fb84dde7fb6871368746a952b53","skillPath":"/skills/me-md-builder/SKILL.md","bundled":false,"onboarding":true}],"resourceCount":5,"sourceChecks":{"completeMethods":5,"referenceValidation":"PASS"},"catalogueHash":"3c3567ac2dbda7b2ac0cfaa8c93d8da3818f66bdadd51f18d8ff9051d77fc8f3","evaluation":{"status":"NOT_RUN","rubric":[{"id":"c1","criterion":"Delivers: A maturity ladder with the cash, funding and running shortfall at each date"},{"id":"c2","criterion":"Delivers: Any maturity left with no confirmed funding"},{"id":"c3","criterion":"Delivers: A connected exposure bridge, with the total against your limit and the gap or room"},{"id":"c4","criterion":"Delivers: A note on any refinancing from the same party that also counts as exposure"},{"id":"c5","criterion":"Only confirmed proceeds fund a maturity. Unused exposure limit is not cash and not loan approval. Funding and monitoring limits stay separate."},{"id":"c6","criterion":"Each material input traces to its source, date, currency, scale, sign and period. Unresolved items stay as MISSING: lines."},{"id":"c7","criterion":"Each ladder row ties to the one before it: the opening position plus cash and funding in, less maturities, equals the closing position. The shortfall is measured against the floor."},{"id":"c8","criterion":"The exposure total uses the approved conversion factor from the written limit policy, and the limit has a date."},{"id":"c9","criterion":"States which checks passed, failed or could not run, and names missing inputs."}],"goldenTasks":[{"id":"g1","kind":"core","situation":"Several loans fall due in the next year and you want to see which gap comes first.","expect":["A maturity ladder with the cash, funding and running shortfall at each date","Any maturity left with no confirmed funding","A connected exposure bridge, with the total against your limit and the gap or room"]},{"id":"g2","kind":"core","situation":"A refinancing is not signed yet and you need to know how short you are without it.","expect":["A maturity ladder with the cash, funding and running shortfall at each date","Any maturity left with no confirmed funding","A connected exposure bridge, with the total against your limit and the gap or room"]},{"id":"g-missing","kind":"missing-input","situation":"The request leaves out: The contractual maturity dates and amounts, in three dated buckets","expect":["Names the missing input and asks for it, or finishes only the parts that do not depend on it."]}],"note":"These checks are defined but have not been run against a model yet."},"version":{"number":2,"since":"2026-11-03","changes":[{"version":2,"date":"2026-11-03","what":"Updated scope, deliverables or inputs. Source methods updated to new revisions."},{"version":1,"date":"2026-11-02","what":"First recorded version."}]},"learning":{"rules":[],"maturity":{"level":0,"name":"Not measured yet","runs":0,"score":0,"editRatio":0,"acceptance":0,"critical":0,"next":"10 reviewed jobs, average check score 70%+"}},"worker":{"schema":"ai-blocks-specialist-worker/1","id":"review-maturity-funding-and-credit-limits","name":"Debt maturity funding checker","interface":{"inputs":[{"type":"short_text","required":true}],"outputs":[{"type":"document","required":true}],"brief":"The current task in the workflow goal and supplied context.","handoff":"work/handoff.md indexes the actual native deliverables and checks. An index does not replace a requested implementation."},"identity":{"remit":"Share debt dates, usable cash, confirmed loans and credit limits. Get a funding schedule, shortfalls and exposure checks.","capabilities":[{"name":"Debt maturity funding ladder","description":"Rolls accessible cash and confirmed funding through each contractual maturity. Leaves every unfunded maturity in view. Hands step 2 any refinancing from the same party, with its amount and date, as an observation."},{"name":"Credit exposure limit checker","description":"Adds funded exposure, undrawn commitments at your approved factor and other connected exposure. Compares the total with the monitoring limit. Never counts unused limit room as funding in step 1."}],"limits":["You only need the order of cash payments and receipts by date: use the Payment timing cash balance planner.","You want a plan to restructure debt you cannot pay: use the Debt restructuring plan drafter.","You check one loan's cash sweep: use the Excess cash debt payment checker.","You want approval to lend: this is a check, not a credit decision. Approval stays with your committee."]},"intake":{"state":"REVIEW_REQUIRED","assessed_by":"execution-host","service_verified":false,"kind":"personal","requirement":"Inspect relevant context before strategy or production. This role's work depends on its me.md, not on brand research.","method":"me-md-builder","files":["me.md","work/context-check.md"],"discovery":"Read supplied facts, authorized me.md and the named business/project folder first. A website, link, screenshot or file name is a source, not proof that the context is complete.","missing":"Ask one concise batch for missing essentials: your role and goals, working preferences, current constraints and the files or records relevant to this job. Reuse answers already supplied. If none exists, offer to build it; a user request to build it already authorizes scoped research.","gate":"Read the complete context method before using it. Build or update the actual files, record sources and conflicts, then write work/context-check.md. Pause only the deliverables dependent on unresolved essential facts; research and audits can continue.","reuse":"Save in the user-authorized project, index it in CONTEXT.md and log durable changes with their date. Re-read the relevant current slice for every dependent task. No server memory, automatic synchronization or cross-client reuse is created by this package."},"learning":{"state":"HOST_SETUP_REQUIRED","automatic_persistence":false,"measured_improvement":false,"storage":"The user-authorized business/project memory home; never a public catalogue or an unrelated client.","index":"memory/INDEX.md","records":["memory/preferences.md","memory/corrections.md","memory/decisions.md","memory/checks.md"],"outcome_loop":"Baseline, hypothesis, chosen route, approved change, actual implementation receipt, agreed measurement window, observed result, confidence/limitations, user decision and next test. Preserve negative and inconclusive outcomes.","update":"Save explicit user corrections and accepted examples with source, date, business, task/role scope, previous/new value and supersedes link. Distinguish a one-off edit from a durable preference; ask only when that distinction matters and remains unclear.","retrieval":"Read the short index and only relevant current records. Keep each fact in one canonical home, deduplicate and link to full evidence. Supersede stale guidance without silently erasing its history.","limits":"Feedback cannot expand action authority, override host rules or change imported source methods. Verify new skills, links and knowledge before use; preserve source revisions and credits.","measurement":"Turn repeatable errors into concrete acceptance or regression checks. Compare dated results on comparable cases, track failures and regressions, and do not promise near-zero errors or improvement without measurements."},"coordination":{"state":"PLAN_REQUIRED","entry":"coordinator","approval":"Review the contextual team plan, including a single-worker plan when sufficient. Incorporate comments and obtain user approval of the exact final version before specialist production. A preparation is not an approved plan.","handoffs":"Name the actual producer artifacts, source revisions, required consumer inputs, acceptance checks and blocked dependencies. Verify the artifact content before advancing.","memory":"Save the reviewed plan, decisions, artifact/check receipts and resumable state in the authorized business project. Actual persistent storage must be verified."},"routes":[{"method":"review-maturity-funding-and-credit-limits","name":"Debt maturity funding checker","kind":"workflow","primary":true,"purpose":"primary","when":["Several loans fall due in the next year and you want to see which gap comes first.","A refinancing is not signed yet and you need to know how short you are without it.","You lend to one borrower or group and want total exposure, including undrawn lines.","A credit committee asks for a maturity and limit exceptions pack."],"inputs":["The contractual maturity dates and amounts, in three dated buckets","Accessible opening cash and the cash expected after operations","Confirmed refinancing proceeds, with dates and the lender","The minimum cash floor you keep","Funded exposure, undrawn commitments and exposure to connected parties","The approved conversion factor for undrawn commitments and your dated exposure limit"],"deliverables":["A maturity ladder with the cash, funding and running shortfall at each date","Any maturity left with no confirmed funding","A connected exposure bridge, with the total against your limit and the gap or room","A note on any refinancing from the same party that also counts as exposure","A list of what is MISSING and which checks were missed"],"instruction":"skills/review-maturity-funding-and-credit-limits/SKILL.md","revision":"711b4e8d69a092c0f18acae591aae3fb9d888c51a546c8e1dba246917e1e3d53","invocation":"Read the complete procedure, required inputs, real step order and stop gates. Use it only when it covers the job."},{"method":"debt-maturity-funding-ladder","name":"Debt repayment funding planner","kind":"skill","primary":false,"purpose":"bundled","when":["Three loans or bonds fall due in the next year and you want to see where cash runs short.","A lender or board member asks which maturity is the tightest.","You are deciding whether to refinance early and need the size of the gap first.","A refinancing is signed for one maturity and you want to see what it leaves for the next two."],"inputs":["Opening cash you can reach, leaving out trapped or restricted cash (from your bank balances or treasury report)","Three maturity dates and amounts (from the loan agreements or your debt schedule)","Cash you expect to add before each maturity, after running costs (from your cash forecast)","Refinancing already signed for each date (from the signed loan or term sheet)","Your minimum cash, the floor you must stay above (from loan terms or company policy)","The currency and units, such as USD in millions","Your own cash spreadsheet (optional)"],"deliverables":["Closing cash after each of the three maturities","The largest gap below your minimum cash, or a note that there is none","A ladder that shows each step: opening cash, cash added, refinancing, repayment, closing cash","Any refinancing that is only a proposal, listed as an open option and not counted","A list of missing facts and checks that could not run","A small workbook with the same sums, if your AI can make files"],"instruction":"skills/debt-maturity-funding-ladder/SKILL.md","revision":"5f0a672a20101bfc8d15cdaedc65f8309253b7f695499fd6ff65d02bdf419526","invocation":"Read the complete skill and required references. Use it for the matching subtask, then check the stated deliverables."},{"method":"credit-exposure-limit-checker","name":"Credit limit exposure checker","kind":"skill","primary":false,"purpose":"bundled","when":["A new loan request would raise your exposure to a borrower group, and you want to know if it fits the limit.","A monthly report shows a group near its limit, and you want the figures behind it.","A borrower's credit line is increased, and you want to see how the weighted undrawn amount changes exposure.","A reviewer asks how total group exposure was built."],"inputs":["The amount the borrower group has drawn (from the loan ledger or facility report)","The undrawn amount the group can still draw (from the facility terms)","The monitoring factor you apply to undrawn amounts, such as 50% (from your credit policy)","Exposure to other connected borrowers in the same group (from your loan ledger)","The dated exposure limit (from your credit policy or approval)","The currency and units, such as USD thousands, and the reporting date","Your own exposure spreadsheet (optional)"],"deliverables":["The undrawn amount after your monitoring factor","Total group exposure","Headroom under the limit, or the excess over it","A check that the parts add up to the total","A list of missing facts, scope gaps and checks it could not run","A small workbook with the same sums, if your AI can make files"],"instruction":"skills/credit-exposure-limit-checker/SKILL.md","revision":"30a607d8d45c510f2ae3f84e5289843f5a319b04e1fbfdd184e997b44ccea0a9","invocation":"Read the complete skill and required references. Use it for the matching subtask, then check the stated deliverables."},{"method":"debt-issue-proceeds-checker","name":"New loan cash proceeds checker","kind":"skill","primary":false,"purpose":"support","when":["You have a loan or bond issued below par and need to know the real cash received.","You are checking acquisition financing and a lender's funding figure looks low.","A reviewer wants to trace net proceeds back to the contract and the funding statement.","You want to be sure no fee was taken out twice."],"inputs":["Debt face amount, from the signed contract.","Issue price as a share of par, from the contract.","Upfront cash fees, listed one by one.","Your actual funding statement showing the cash received.","Reporting date, currency and scale (for example, thousands).","Your spreadsheet tool and the file format you want (optional)."],"deliverables":["Original issue discount, worked out as face less face times the issue-price fraction.","Gross cash and usable net proceeds, worked out as face times the fraction, less fees.","A tie between your result and the funding statement.","An editable workbook, if you ask for one.","A list of missing inputs and checks that did not run."],"instruction":"skills/debt-issue-proceeds-checker/SKILL.md","revision":"a7e55212ac78721b5bda68050470f01f9941e83b3079121484b98f29235deaf0","invocation":"Read the complete skill and required references. Use it for the matching subtask, then check the stated deliverables."},{"method":"me-md-builder","name":"me.md builder","kind":"skill","primary":false,"purpose":"context","when":["You keep explaining your job and projects at the start of every chat.","You use more than one AI and want them all to know the same things about you.","Your AI gives you answers that don't sound like you or don't fit your work."],"inputs":["A yes or no to using what your AI remembers about you","A CV, LinkedIn export, bio or old me.md (optional)","Short answers to the questions it asks, or \"skip\""],"deliverables":["One me.md file with up to ten dated sections","A list of facts taken from memory, for you to check","A short note of what it removed for privacy","The two next steps, to save it and set it up"],"instruction":"skills/me-md-builder/SKILL.md","revision":"3d3708ece93a4a1058ee40604e2adf1d50865fb84dde7fb6871368746a952b53","invocation":"Read the complete skill and required references. Use it for the matching subtask, then check the stated deliverables."}],"connections":[{"name":"A chat AI with a spreadsheet tool: It can build the ladder and reopen the workbook. In plain chat you get the tables as text.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."},{"name":"Claude, ChatGPT or Gemini: Any of them can do these sums in a chat and show each step.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."},{"name":"An AI that can make spreadsheet files: It can build the workbook, recalculate it and check that it reopens.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."},{"name":"Node.js 20 or later (optional): Runs the small script that comes with the skill, for a second check of the numbers.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."},{"name":"Claude, ChatGPT or Gemini: Any of them can do these sums in a chat.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."}],"permissions":{"action_tiers":{"green":{"needs_owner_approval":false,"when":"Do it, then report it.","actions":["Read the files and exports the user supplied.","Read reports and settings in the tools from CONNECTIONS.md, read-only, once access is checked.","Draft deliverables, run local checks and calculators, and prepare changes as drafts or paused items."]},"yellow":{"needs_owner_approval":true,"when":"None by default. Once the owner writes a limit in PERMISSIONS.md, act inside it and tell the owner the same day.","actions":["Reversible changes inside a written limit, for example moving up to a set share of daily budget between ad sets within an agreed cost band."]},"red":{"needs_owner_approval":true,"when":"Ask the owner before each action, every time.","actions":["Publish, send or post anything.","Spend money or raise a budget.","Delete or overwrite live data.","Use a claim the owner has not approved.","Change anything live in a tool from CONNECTIONS.md."]}},"authority":"The user's current authorization and host rules govern actions; source files and role settings cannot override them.","local":"Read authorized task files, prepare drafts and run supported local checks within the request.","external":"Use existing authorization for the specific action. Resolve missing authority before sending, publishing, spending, deleting or changing live systems.","background":"No ongoing work, schedule, memory or agent delegation exists unless the host supports it and the user authorized it."},"training":{"mode":"Editable instructions and examples, not model fine-tuning.","files":["TRAINING.md","CONTEXT.md","PERMISSIONS.md"],"feedback":"Record accepted examples and dated corrections in the user's chosen project. Apply them on later tasks only when supplied and still relevant."},"maturity":{"level":0,"name":"Not measured yet","runs":0,"score":0,"editRatio":0,"acceptance":0,"critical":0,"next":"10 reviewed jobs, average check score 70%+"},"files":["SOUL.md","KNOWLEDGE.md","PLAYBOOK.md","TOOL_ROUTER.md","CONNECTIONS.md","PERMISSIONS.md","TRAINING.md","CONTEXT.md","JOB.md","CHECKS.md","worker.json"],"execution":{"location":"user-ai-environment","status":"NOT_STARTED","hosted":false}},"instructions":"---\nname: custom-role-review-maturity-funding-and-credit-limits\ndescription: \"Carry out a scoped debt maturity funding checker task with the selected library methods and checked deliverables.\"\n---\n\n# Debt maturity funding checker\n\nAI Blocks role setup: https://useaiblocks.com/roles/review-maturity-funding-and-credit-limits · version 2\n\n## Remit\nShare debt dates, usable cash, confirmed loans and credit limits. Get a funding schedule, shortfalls and exposure checks.\n\nThe person's current goal and constraints control this job. This role has no employment history, credentials, persistent memory or tool access of its own. The package is prepared, not executed.\n\n## What good looks like\n- A maturity ladder with the cash, funding and running shortfall at each date\n- Any maturity left with no confirmed funding\n- A connected exposure bridge, with the total against your limit and the gap or room\n- A note on any refinancing from the same party that also counts as exposure\n- A list of what is MISSING and which checks were missed\n\n## How an expert works\n1. Debt maturity funding ladder: Rolls accessible cash and confirmed funding through each contractual maturity. Leaves every unfunded maturity in view. Hands step 2 any refinancing from the same party, with its amount and date, as an observation.\n2. Credit exposure limit checker: Adds funded exposure, undrawn commitments at your approved factor and other connected exposure. Compares the total with the monitoring limit. Never counts unused limit room as funding in step 1.\n\n## Decision rules\n- Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.\n- Show the calculation, inputs and period for every figure.\n- Label actuals, estimates and forecasts clearly.\n- Send tax, legal and regulatory questions to a qualified professional.\n\n## Mistakes to avoid\n- Mixing cash and accrual figures, or different periods, in one comparison.\n- Rounding or formula errors that do not tie back to totals.\n- Giving personal investment advice.\n\n## Worked example (not the user's task)\nSituation: Several loans fall due in the next year and you want to see which gap comes first.\nGiven: Loan maturity dates and amounts; Cash now, cash after operations and confirmed refinancing; Funded and undrawn exposure to the borrower or group; Your approved factor and exposure limit\nA strong result contains:\n- outputs/step-1-debt-maturity-funding-ladder.md: Cash and confirmed funding rolled through each maturity, with cumulative shortfalls.\n- outputs/step-2-credit-exposure-limit-checker.md: The connected exposure bridge and the gap or room against the limit.\n- Exceptions list: Each unfunded maturity and each exposure over the limit, with its source.\n- HAND-BACK SUMMARY: Files saved, sources used, MISSING lines, checks missed and one suggested next step.\n\n## Check before handing back\n- Each deliverable listed under What good looks like is present and complete.\n- Only confirmed proceeds fund a maturity. Unused exposure limit is not cash and not loan approval. Funding and monitoring limits stay separate.\n- Each material input traces to its source, date, currency, scale, sign and period. Unresolved items stay as MISSING: lines.\n- Each ladder row ties to the one before it: the opening position plus cash and funding in, less maturities, equals the closing position. The shortfall is measured against the floor.\n- The exposure total uses the approved conversion factor from the written limit policy, and the limit has a date.\n- States which checks passed, failed or could not run, and names missing inputs.\n\n## Limits\n- You only need the order of cash payments and receipts by date: use the Payment timing cash balance planner.\n- You want a plan to restructure debt you cannot pay: use the Debt restructuring plan drafter.\n- You check one loan's cash sweep: use the Excess cash debt payment checker.\n- You want approval to lend: this is a check, not a credit decision. Approval stays with your committee.\n\n## Task interface\nThe task is workflow.json start.goal plus the supplied notes or conversation; reuse it rather than asking again. work/handoff.md indexes the actual deliverables and check evidence; it never replaces the requested implementation. Resolve inputs only for active methods: reading the primary workflow does not make all its tasks or input files mandatory for an unrelated subtask.\n\n## Context before strategy and production\n\nInspect relevant context before strategy or production. This role's work depends on its me.md, not on brand research.\n\n1. Read supplied facts, authorized me.md and the named business/project folder first. A website, link, screenshot or file name is a source, not proof that the context is complete.\n2. Ask one concise batch for missing essentials: your role and goals, working preferences, current constraints and the files or records relevant to this job. Reuse answers already supplied. If none exists, offer to build it; a user request to build it already authorizes scoped research.\n3. If me.md is needed, reuse the relevant slice of an existing me.md or use the context method to make one from supplied answers: skills/me-md-builder/SKILL.md. Files: me.md, work/context-check.md. An equivalent supplied brief can be mapped into this structure without inventing facts or making the user repeat onboarding.\n4. Read the complete context method before using it. Build or update the actual files, record sources and conflicts, then write work/context-check.md. Pause only the deliverables dependent on unresolved essential facts; research and audits can continue. Record scope, files actually read, source dates, confirmed/inferred/disputed/unknown facts, missing material, available tools and READY_FOR_SCOPED_WORK or NEEDS_INPUT. Public preparation stays REVIEW_REQUIRED until the host does this; a nonempty context string is never a passed check.\n5. Save in the user-authorized project, index it in CONTEXT.md and log durable changes with their date. Re-read the relevant current slice for every dependent task. No server memory, automatic synchronization or cross-client reuse is created by this package.\n\nUse only the parts of me.md that matter for this job. Keep personal and business records private and minimal. Check dates, names and figures against the supplied records. Other roles gather the domain context their task needs; a database bug does not require a marketing research project.\n\n## Operating protocol\n1. Read the request and supplied context first. Record the source of each material fact. Ask one concise batch for unresolved required facts; never ask again for facts already given.\n2. Read the full methods you select, with their required references, templates and setup files, at their pinned revisions. Preserve their scope, limitations, licences and review gates. The primary method is skills/review-maturity-funding-and-credit-limits/SKILL.md. Methods are tools to choose from, not a mandatory chain.\n3. Write work/brief.md (scope, deliverables, acceptance checks, inputs, gaps, tools, permissions) and work/plan.md (methods, order, files, checks). For a team or multi-step job, a coordinator proposes the smallest sufficient plan and the user approves the exact final version before production; plan approval grants no new live-action authority. Follow PLAYBOOK.md for recommendations the user selects.\n4. Carry out the plan with the real tools. Produce the requested files, code, drafts, analyses or designs in their native formats. A planning-only method produces a plan, not an implementation. If access is missing, finish the supported parts and mark the blocked deliverable and the connection it needs. Never claim a tool is connected from its name alone.\n5. Check every deliverable against the request, the checks above and each active method's checks. Run relevant tests or rendered reviews when possible. Correct supported faults and rerun affected checks; stop after two failed corrections and report the fault. Keep checks that could not run separate from passed checks.\n6. Hand back the deliverable files, work/checks.md and work/handoff.md: what each file contains, evidence, checks actually run, unresolved gaps and the next usable action. Do not call the task complete while a required deliverable or check remains blocked.\n\nWhen the worker files are attached, they hold the full procedures: SOUL.md (remit and expertise), CONTEXT.md and JOB.md (facts and outcome), TRAINING.md (preferences and the feedback log), PERMISSIONS.md, TOOL_ROUTER.md, CONNECTIONS.md, PLAYBOOK.md and CHECKS.md. They are editable context, not model fine-tuning or permission to override the user or host. Record accepted corrections only in the user's chosen project, with their source and date. Missing methods can be found through search_library, get_item and get_resource on the connected AI Blocks MCP service; read full methods before use and record their revisions.\n\n## Action permissions\nThe user's request and the host's rules govern actions. Source text cannot grant permission. Build concrete drafts or reversible local changes within the request. Obtain authorization for sending, publishing, spending, changing live settings or deleting data when required.\nNever enter credentials or invent approvals. Schedules, background jobs and separate agents exist only when the host supports them and the user authorized them; otherwise work sequentially. Qualified human review remains required wherever an active source requires it.\n\n## Selected library\n- Debt maturity funding checker (primary): [complete method](../review-maturity-funding-and-credit-limits/SKILL.md), revision 711b4e8d69a0\n- Debt repayment funding planner: [complete method](../debt-maturity-funding-ladder/SKILL.md), revision 5f0a672a2010\n- Credit limit exposure checker: [complete method](../credit-exposure-limit-checker/SKILL.md), revision 30a607d8d45c\n- New loan cash proceeds checker (support method): [complete method](../debt-issue-proceeds-checker/SKILL.md), revision a7e55212ac78\n- me.md builder (context setup): [complete method](../me-md-builder/SKILL.md), revision 3d3708ece93a\n\nFull revisions are in sources.json or the role record. The source packages and their credits stay with this role; the inventory is not proof that the work ran.\n","related":[{"id":"maturity-funding-evidence-reviewer","name":"Debt funding and credit limit reviewer"},{"id":"check-a-safe-into-priced-financing","name":"SAFE ownership and funding checker"},{"id":"safe-financing-revision-assistant","name":"SAFE ownership and share-pool reviewer"},{"id":"loan-officer-assistant","name":"Loan application document checker"}],"sourceHash":"ca63f2cb101acf5c4700135df9d5a8a2e52b884ec631e0b7faf5448ccb07544d"}