Hire an AI borrowing base and credit line reviewer

Everything it can hand back

Your task sets the actual outputs. The specialist picks the methods that cover them.

• What changed since the last review, line by line
• The receivables advance, tied to the aging control total, after ineligibles and concentration excess
• The inventory advance, with the limit that applied and any item with no appraisal listed
• Signed availability, with the limit that applied and every deduction counted once
• Any overadvance shown as a negative number and listed as an exception
• A check of a requested draw against your connected-party limit, if you gave one
• A short record to start the next review from

How it does the job well

• 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.

Mistakes it avoids

• 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.

What a good result looks like

An example, not your task: A new month-end receivables aging arrives and you want to recheck availability before you draw.

• What changed. Each line that moved since the last review, with its source, old value and new value. A first run says first run.
• Receivables advance. The aging tied to its control total, the ineligibles and concentration excess taken off, the advance rate applied and the reserve taken off once.
• Inventory advance. Cost and appraisal side by side, which limit applied, the advance, and any item with no appraisal listed.
• Signed availability. The lower of commitment and borrowing base, less drawings, letters of credit and blocks. A negative result is shown as an overadvance.
• Requested draw check. Only if you gave a draw and a limit. The exposure against your connected-party limit, with the headroom as a monitoring result only.
• Record for next review. A small block with the certificate date, source versions, eligibility definitions, reserves, usage and any overadvance.

How the work is checked

• The receivables aging ties to its control total, and receivables and inventory use the same certificate date.
• Every reserve and usage deduction appears once.
• Negative availability is shown as an overadvance and is never floored at zero.
• Each material input traces to its source, date, currency, scale and sign. Unresolved items stay as MISSING: lines.
• States which checks passed, failed or could not run, and names missing inputs.

These checks have not been run against a model yet. Your AI uses them to check its own work.

Capabilities

• Reads the last record. Uses the saved record or sets a first baseline. The record holds the certificate date, aging and appraisal versions, eligibility definitions, reserves applied, drawn and contingent usage and any unresolved overadvance.
• Checks the trigger. A new aging, appraisal, reserve notice, usage record or certificate date was supplied. If none, it says so and stops.
• Builds the receivables advance. Ties the aging to its control total. Takes off ineligibles and concentration excess before it applies the advance rate. Then takes the lender reserve off once.
• Builds the inventory advance. Uses the same certificate date and matching cost and appraisal lists. Applies the advance rate and names the limit that applied, which is cost, appraisal or sublimit. Lists items with no appraisal.
• Finds availability. Adds the net advances, caps them at the commitment, and takes off drawings, letters of credit and other blocks. A negative result stays an overadvance.
• Checks a requested draw. Only if you gave a draw and a limit. The Credit exposure limit checker compares the exposure with your limit. Headroom is a monitoring result, not permission to draw.
• Saves the record. Writes the record and any workbook, keeps the old record, and lists MISSING lines and CHECKS MISSED.

How the role works

1. Checks your task, context and available tools.
2. Picks the methods needed and prepares a work plan.
3. Carries out supported tasks, with each method's limits and review gates.
4. Checks the real deliverables and corrects supported faults.
5. Hands back files, evidence and unresolved gaps.

Your specialist's working setup

Download the base specialist without a task form or account. README.md and SETUP.md explain how to use the folder. SOUL.md defines its scope. INTAKE.md asks missing questions inside your AI. PLAYBOOK.md, SKILLS.md, BEST_PRACTICES.md, CHECKS.md and HANDOFF.md guide the work and its checked deliverables.

Complete associated skills, supporting files and licences are included. Choose only the methods needed for the actual task. Keep context, working files and accepted feedback in your AI project.

Use this specialist through MCP or the API

Call prepare_specialist with role_id borrowing-base-evidence-reviewer only. No task is required to load it. Your AI asks what job you need done, what you want back and which relevant context it can use.

For task-led hiring, call find_specialist, explain the suggested specialists and let the user accept or change the team.

Complete ZIP: Download base specialist. API: GET /api/v1/specialists/borrowing-base-evidence-reviewer/pack. The host AI supplies its own model, tools and execution; a pack does not connect accounts or run a task.

Inputs and helpful context

The specialist starts from the task brief. Only active methods require their inputs.

For the primary method, when used

• The receivables aging for the certificate date, with its control total (from your accounting system)
• Inventory at cost and its appraisal value for the same date (from your records and the appraiser)
• The credit agreement pages on eligibility, advance rates, concentration caps, reserves and the commitment, with any amendment
• Current drawings and letters of credit outstanding (from the lender's statement)
• Any lender reserve notice, with its date
• The reporting date, the currency and the scale, such as USD thousands
• The last review's record (optional, needed to see what changed)
• A proposed draw and your connected-party exposure limit (optional)

Helpful context (optional)

• The credit agreement pages on the borrowing base, with every amendment.
• The appraiser's report for the inventory.
• A named person who signs the certificate and will check the definitions.

Tools and access

• A spreadsheet engine and file-capable AI: Builds a workbook with inputs and formulas you can click into, recalculates it, reopens it and saves the record file. In plain chat it returns the same tables as text.
• Your lender's statement: Gives drawings and letters of credit as the lender counts them.
• A spreadsheet engine and file-capable AI: Builds, recalculates and reopens the workbook, so you can click into each formula. In plain chat it returns the same tables as text.
• Your accounting system's aging export: Gives the aging total that must tie to your books before anything else counts.
• Claude, ChatGPT or Gemini: Any of them can do these sums in a chat.
• 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.

Functions and deliverables

• Borrowing base and credit line reviewer: Check changed collateral and loan records. Work out credit line capacity and debt use, and show any amount over the limit.
  • What changed since the last review, line by line
  • The receivables advance, tied to the aging control total, after ineligibles and concentration excess
  • The inventory advance, with the limit that applied and any item with no appraisal listed
  • Signed availability, with the limit that applied and every deduction counted once
  • Any overadvance shown as a negative number and listed as an exception
  • A check of a requested draw against your connected-party limit, if you gave one
  • A short record to start the next review from
• Asset-backed credit line checker: Share receivable and stock records, loan terms and debt usage. Get a borrowing-base schedule, credit-line limit and open draw conditions.
  • A receivables line: aging less ineligibles and concentration excess, times the advance rate, less the reserve
  • An inventory line: the lowest of the cost-based, appraisal-based and sublimit amounts, less the reserve, with the limit that applied named
  • Availability: both lines added, capped at your commitment, less drawn loan, letters of credit and blocks. It is signed, so a negative shows as an overadvance
  • A comparison with your draft certificate, each difference explained or flagged
  • Every MISSING item, and any check that could not run
• Credit limit exposure checker: Share loans, undrawn commitments and your limit. Check total exposure and the room left under that limit.
  • 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
• Customer invoice borrowing limit calculator: Share invoice balances and loan rules. Check eligible debts, excluded amounts and the advance after reserves.
  • Eligible receivables after the deductions
  • The advance before reserves, at your advance rate
  • The net advance after reserves
  • A clear flag if the aging and the ledger do not tie, or the deductions overlap
  • A list of missing facts and checks it could not run
  • A small workbook with the same sums, if your AI can make files
• me.md builder: Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.
  • 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

Tasks you can use it for

• A new month-end receivables aging arrives and you want to recheck availability before you draw.
• An inventory appraisal or a lender reserve notice changed since the last certificate.
• A certificate is due to your lender and you want an independent tie-out first.
• You are about to request a draw and need to know whether it fits, or whether you are already in overadvance.

Limits to check before starting

• You have no signed credit agreement. Eligibility, advance rates and reserves come from it, so the review stops without it.
• You want only the receivables part, or only the inventory part. Use the Customer invoice borrowing limit calculator or the Inventory borrowing limit calculator.
• You want covenant tests. Use the Loan covenant cash cover reviewer.
• You want the interest and fees on the line checked. Use the Revolving loan interest and fee checker.
• You need a certificate signed or sent to your lender. A person who knows the credit agreement does that.

Best way to use this role

Give it one clear outcome, the actual files and a definition of done. Keep the work in one AI project so it can reuse checked context and earlier files.

• Add the agent with the pieces it uses, the Reconcile an asset based revolver certificate workflow and the Credit exposure limit checker. If your AI cannot open them, paste both in with the agent.
• Say if this is the first run. If not, paste last time's record. Then attach the aging, the inventory and appraisal, the credit agreement pages, the lender's statement and any reserve notice. State the currency and scale once.
• Read "what changed" first. Check one line by hand. Availability is the lower of your commitment and your borrowing base, less drawings, letters of credit and any other block, each counted once, as your agreement defines them.
• Check that the aging total matches your accounting system and that receivables and inventory use the same date. Fix every MISSING line.
• Give the result to the person who signs your certificate. Nothing is submitted. In plain chat it cannot save files, so keep the record. For a workbook, use an AI that can build and reopen a spreadsheet.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/borrowing-base-evidence-reviewer for its role instructions and pinned sources.

This is a prepared AI role. No task has run. Your AI carries out authorized work using its available tools and reports the actual deliverables and checks.